What should I do if Gragil & Associates contacts me about someone else’s debt?

If Gragil & Associates contacts you about a debt that isn’t yours, request written verification and dispute it in writing. They must stop collection until they confirm the correct debtor.

How can I confirm that a Gragil & Associates call is genuine and not a scam?

Always verify the caller’s name, company address, and official phone number on their website or through the BBB before sharing personal information or making payments.

Can Gragil & Associates add extra fees or interest to my debt?

Debt collectors can only add interest or fees if the original agreement or state law allows it. Always request documentation before agreeing to pay any added amount.

What happens if I ignore Gragil & Associates’ calls or letters?

Ignoring their communication won’t make the debt disappear. They may escalate the matter, including reporting it to credit bureaus or pursuing legal action.

How can I negotiate a settlement or payment plan with Gragil & Associates?

Contact them directly to discuss your financial situation. Request all agreements in writing before sending any payment, and ensure the deal includes debt resolution confirmation.

Gragil & Associates Debt Collection Harassment? Stop the Calls!

Q: What is Gragil & Associates and why are they calling me?

Gragil & Associates is a third-party debt collection agency based in Massachusetts that contacts consumers about overdue debts, often related to medical or consumer accounts they’re collecting on behalf of creditors.

Q: Can Gragil & Associates contact my employer or family about my debt?

No—collectors can only contact third parties to locate you, not to disclose your debt, and they cannot call your workplace if you've asked them not to.

Q: What should I do if they call me without verifying the debt?

You have the right to request a written validation notice within 5 days of contact. If they don’t provide it, you can dispute the debt and they must stop collection until verification is sent.

Q: Will harassment from Gragil & Associates damage my credit score?

They may report a debt to credit bureaus, which can harm your credit. You can dispute any inaccuracies with the bureaus under FCRA.

Q: How can I make Gragil & Associates stop contacting me?

Send a written cease-and-desist letter requesting no further contact. If calls continue, file complaints with the FTC, CFPB, or your state attorney general; you may also sue.

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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Gragil & Associates Debt Collection Harassment

Tired of Gragil & Associates Debt Collection Harassment? Wish there was a way to make the calls stop? Is Gragil & Associates constantly calling and harassing you? Does your phone ring every day, several times per day, because Gragil & Associates is calling you to demand payment? Threatening you with legal action? Has Gragil & Associates ever used abusive or profane language when speaking with you on the phone? If so, Gragil & Associates may be violating your legal rights. Stop the harassment.

The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs. Consumers have legal options to end harassment from debt collectors.

Is Gragil & Associates a scam?

According to the Better Business Bureau (BBB) website, a key source for evaluating the reputation of Gragil Associates, the company has been in business since 1968. There have been 3 complaints closed in the last 3 years and 0 complaints closed out in the last 12 months.

Who Is Gragil & Associates?

Gragil & Associates is third party debt collector located in Pembroke, Massachusetts. Address: 29 Winter St Pembroke, MA 02359-1987 Phone: (800) 462-0282 Fax: (781) 826-6367

Gragil & Associates Debt Collection Harassment Tactics

If Gragil & Associates engages in any of the following tactics, you may have a case:

➤ Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call (FDCPA 15 U.S.C. 1692c)
➤ Talking to others about your debt (FDCPA 15 U.S.C. 1692b)
➤ Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work. (FDCPA 15 U.S.C. 1692c)
➤ Use any profane language or any language that is harassing and abusive (FDCPA 15 U.S.C. 1692d)
➤ Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. (FDCPA 15 U.S.C. 1692d)
➤ Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment( FDCPA 15 U.S.C. 1692e)
➤ Threaten arrest or criminal prosecution ( FDCPA 15 U.S.C. 1692e)
➤ Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e)
➤ Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d)

Consumers have the right to claim damages if their rights under the Fair Debt Collection Practices Act (FDCPA) are violated.

Gragil & Associates Phone Numbers

Are you receiving any harassing phone calls from any of these numbers?

📞 800-336-0299
📞 800-462-0282

If so, you may be a victim of Gragil & Associates debt collection harassment. The phone numbers listed above are not exhaustive. Calls can come from different numbers and still be from Gragil & Associates. Contact our office right away so we can start the process to stop Gragil Associates from calling you illegally. Above all, no one should live with harassment.

CONSUMER RIGHTS LAW FIRM, PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Gragil & Associates debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. Our support is crucial in helping clients navigate challenges, particularly in the context of harassment.

Success Stories

🏆 “Gragil & Associates left terrifying voicemails claiming I’d be arrested for debt. Consumer Rights Law Firm PLLC proved they violated FDCPA §807(4) against false legal threats. Not only did the harassment stop – I received a $6,200 settlement check within 45 days!”
🏆 “Gragil kept harassing me about a payday loan I never took. The firm submitted a debt validation request – when Gragil couldn’t provide proof, they deleted the debt AND removed all credit report entries. My FICO score rebounded 142 points in two months!”
🏆 “Gragil’s automated calls woke me nightly. Consumer Rights Law Firm PLLC filed a TCPA lawsuit exposing their illegal dialer system. They settled for $4,800 – now I sleep soundly knowing they’re paying ME for their harassment!”
🏆 “After Gragil called my elderly mother about ‘my debt,’ I hired the firm. One cease-and-desist letter citing CFPB Regulation F later – complete silence. No lawsuits needed, just rapid results from true professionals.”

FAQs

What is Gragil & Associates and why are they calling me?

Gragil & Associates is a third-party debt collection agency based in Massachusetts that contacts consumers about overdue debts, often related to medical or consumer accounts they’re collecting on behalf of creditors.

Is Gragil & Associates a legitimate debt collector or a scam?

They are a legitimate company in business since 1968 with hundreds of staff and thousands of accounts, though they have received consumer complaints concerning their collection tactics.

What rights do I have if Gragil & Associates is harassing me?

Under federal law (FDCPA), debt collectors cannot call before 8 a.m. or after 9 p.m., use profane or threatening language, call repeatedly, or contact your employer after being told not to—violations may allow you to sue for damages.

How many calls are considered harassment?

If a debt collector calls you more than seven times in seven days, the CFPB considers that harassment; under FDCPA, excessive calls intended to annoy or abuse are also illegal.

Can Gragil & Associates contact my employer or family about my debt?

No—collectors can only contact third parties to locate you, not to disclose your debt, and they cannot call your workplace if you’ve asked them not to.

What should I do if they call me without verifying the debt?

You have the right to request a written validation notice within 5 days of contact. If they don’t provide it, you can dispute the debt and they must stop collection until verification is sent.

Can I sue Gragil & Associates for harassment?

Yes—if they violate FDCPA or TCPA rules (e.g. repeated calls, threats, robocalls), you may recover up to $1,000 in statutory damages plus legal fees.

Will harassment from Gragil & Associates damage my credit score?

They may report a debt to credit bureaus, which can harm your credit. You can dispute any inaccuracies with the bureaus under FCRA.

How can I make Gragil & Associates stop contacting me?

Send a written cease-and-desist letter requesting no further contact. If calls continue, file complaints with the FTC, CFPB, or your state attorney general; you may also sue.

Can they use robocalls or spoofed numbers?

Yes—many consumers report robocalls and spoofed Caller IDs. Under TCPA, robocalls without prior consent are illegal.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.