🚨Great Lakes Processing Services LLC Debt Collection Harassment❓
Perhaps you receive intrusive calls from Great Lakes Processing Services. Perhaps their representatives have threatened to have you arrested or thrown in jail if you do not pay up. Great Lakes Processing Services debt collection is a licensed third-party collector, and what this means is that they have the right to put calls through to you. If you currently find yourself on the receiving end of a string of harassing calls from Great Lakes Processing Services, then read on because this post was made for you.
We all know that the consequences of debts can be quite dire. Debts affect people in different ways, from their relationships to their social lives, and even their mental health can get affected. Debts can also impact an individual’s ability to secure loans or other financial approvals. Another thing that makes having debt more stressful is the frequent encounters you are forced to have with debt collectors like Great Lakes Processing Services. The constant harassment can induce anxiety and fear about financial stability, making it even harder to cope with the situation.
Debt collection representatives are people who represent debt collection agencies and try to get you to pay your debts. Debt collectors are not the actual people you owe, they just got assigned by the company you owe to pursue the debt. According to the Federal Trade Commission, people complain about debt collectors more than any other business service. This is because debt collectors usually cause consumers a lot of unease and discomfort. Many people complain about the never-ending calls and messages from them and how uncomfortable it makes them feel. If you’re being harassed by capital collections, you should know about your rights under the FDCPA.
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 Great Lakes Processing Services violates the FDCPA, you can sue them in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recovering statutory damages of up to $1,000, plus attorney fees and court costs.
⚖️Your Rights Under The FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects your consumer rights regarding debts and the debt collection process by setting strict regulations. The FDCPA only applies to the collection activities that happen between third-party debt collectors and debtors.
It is crucial to verify the legitimacy of debt collectors to ensure they comply with these regulations. You can use resources like the Better Business Bureau to check for complaints and confirm the credibility of the agency in question.
Harassment of any sort from debt collectors is forbidden by the FDCPA. According to the FDCPA, Great Lakes Processing Services collections cannot engage in any of the following practices:
- Calling you many times a day.
- Calling you at odd hours (before 8 am and after 9 pm)
- Disclosing your debt information to a third party.
- Calling your place of work after you have told them that it isn’t allowed.
- Employing deceptive methods in a bid to get you to pay your debts.
- Harassing and threatening you.
- Using profane and obscene words on you.
- Disregarding your letter asking them to cease further contact with you.
- Refusing to give details like their name, address, and entity they represent.
- Contacting you after you have asked them to only speak with your attorney.
- Lying to you about a debt.
If Great Lakes Processing Services does any of the above to you, they may have violated your consumer rights under the FDCPA, and you have a year to file a complaint against them. You stand a chance of receiving up to $1,000 in statutory damages alongside additional fees.
💢Definition of Debt Collection Harassment
💢Debt collection harassment refers to the use of abusive, unfair, or deceptive practices by debt collectors to collect debts from consumers. This can include repeated phone calls, threats of legal action, and false or misleading information. Debt collectors may also use harassment tactics to intimidate or coerce consumers into paying debts that they may not owe or that are not valid. These practices are not only unethical but also illegal under the Fair Debt Collection Practices Act (FDCPA). If you are experiencing such harassment from Great Lakes Processing Services or any other collection agency, it’s crucial to know your rights and take appropriate action to protect yourself.
💡Examples of Harassment Tactics
Some common examples of harassment tactics used by debt collectors include:
- Repeated phone calls or messages: Often at inconvenient times or in excess of what is reasonable, these calls can be overwhelming and intrusive.
- Threats of legal action, wage garnishment, or other consequences: Debt collectors may use these threats to intimidate you into paying the debt, even if they do not have the legal authority to follow through.
- False or misleading information about the debt: This can include incorrect details about the amount owed or the consequences of not paying.
- Abusive or profane language: Using offensive language to pressure you into making payments is both unprofessional and illegal.
- Contacting friends, family, or employers: Discussing your debt with third parties is a violation of your privacy and can cause significant distress.
- Misleading claims about the debt collector’s identity or authority: Pretending to be someone they are not, or exaggerating their power, is a deceptive practice.
If you encounter any of these tactics from Great Lakes Processing Services, it’s important to document the incidents and seek legal advice.
📋Does Great Lakes Processing Services Report to Credit Bureaus❓
Legally, Great Lakes Processing Services is within their rights if they report your debt account to any of the credit reporting bureaus. There, however, are laws that govern what can be reported and prevent debt collectors like Great Lakes Processing Services from misusing your credit information. The laws also prohibit them from trying to get you to pay up by threatening to destroy your credit. It is crucial to review your credit reports regularly to ensure all account details are accurate and to address any inaccuracies that may appear. These set of laws are what is known as the Fair Credit Reporting Act (FCRA).
📜Disputing the debt
More than half of the consumers who receive a call from Great Lakes Processing Services or many other debt collection agencies frequently complain that they do not owe the debt they are being contacted over. If you fail to dispute a debt within a specific timeframe, the law may legally assume that you accept responsibility for that debt. Of all the Great Lakes Processing Services complaints that we receive, “Great Lakes Processing Services keeps calling me when I do not remember owing a debt,” seems to be the most prominent one.
Consumers often face significant challenges and must understand their rights when dealing with debt collection agencies. This includes knowing the legal frameworks that protect them from harassment and the importance of monitoring their credit reports.
This is quite surprising since the law clearly states that Great Lakes Processing Services must provide you with certain information regarding the debt, they are contacting you to collect. The information should reveal:
- The name of the original creditor to whom the money is owed
- The amount you owe
- Information about your right to dispute the debt
If you do not get this information during the first debt collection call, then it must be sent within 5 days from the date of the first debt collection call you received from a Glass Mountain Capital phone number. If you don’t think the debt belongs to you, or you do not agree with the amount stated there, then you have a right to dispute the debt.
To dispute the debt, you must do so in writing within 30 days. The Great Lakes Processing Services will provide further verification of the debt to prove that it is indeed yours.
During this time (while the debt is still being verified), it is against the laws of the FDCPA for a Great Lakes Processing Services debt collector to try to contact you regarding the repayment of the debt in question.
📄Wage Garnishment and Lawsuits
Wage garnishment is a legal process that allows a creditor to deduct a portion of a consumer’s wages to pay off a debt. Debt collectors may threaten wage garnishment as a way to intimidate consumers into paying debts. However, wage garnishment is a serious legal process that requires a court order and can have significant consequences for consumers. It’s important to understand that without a court order, these threats are empty and illegal.
Lawsuits are another method debt collectors may use to collect debts. By filing a lawsuit against a consumer, debt collectors aim to obtain a court judgment, which can then be used to garnish wages or seize assets. However, lawsuits can be expensive and time-consuming, and debt collectors may not always prevail. If you are threatened with legal action by Great Lakes Processing Services, it’s crucial to seek legal advice immediately to understand your rights and options.
🔒What Happens If You Do Not Write To Great Lakes Processing Services Within 30 Days❓
If you do not dispute the debt within the 30-day time period, then you may lose your right to dispute the debt at all, and Great Lakes Processing Services may legally assume that the debt is indeed yours. Our commitment to providing timely responses to debt disputes is crucial in protecting your rights.
Debt collectors often act on behalf of creditors, pursuing debts that are owed to the original lenders. This intermediatory role emphasizes the relationship between collectors and creditors in the debt recovery process.
To respond to Great Lakes Processing Services, it is best advised to contact an attorney or to use one of the sample letters prepared by the CFPB for that purpose. An attorney will be in a better position to look out for your rights and to ensure that the debt collection process goes smoothly.
As we mentioned earlier, you have only 30 days to dispute a debt or part of it. 30 days isn’t a lot of time. If you are confused about the process, then we advise you to contact a debt collection attorney to guide you through the process.
You can call our A+ accredited firm at (877)-700-5790.
🔎Who is Great Lakes Processing Services❓
Great Lakes Processing Services is a third-party debt collector located in Buffalo, New York, acting on behalf of creditors to recover outstanding debts.
📲Contact Information
Address: Buffalo, NY 14207-2405 Tel 888-784-5917 Fax 888-990-1097
Alternate Names:
Haywood Capital Group
Providing accurate contact information is crucial for customers seeking assistance, ensuring they can easily reach out for tailored options and support.
⚠️Is Great Lakes Processing Services a Scam❓
According to the Better Business Bureau website, conducting thorough research is essential to verify the legitimacy of Great Lakes Processing Services, which has been in business since 2021. There have been 22 complaints closed in the last 3 years and 21 complaints closed out in the last 12 months.
Understanding the specific creditors represented by Great Lakes Processing Services can be challenging due to inconsistent availability and transparency of data.
🛡Getting Help Against Debt Collection Harassment
If you are experiencing debt collection harassment, there are several steps you can take to get help. These include:
- Contacting a consumer protection agency: Agencies like the Federal Trade Commission (FTC) or your state’s Attorney General’s office can provide guidance and support.
- Seeking the help of a debt collection attorney: An attorney can help you understand your rights and take legal action if necessary.
- Filing a complaint with the Better Business Bureau (BBB): The BBB can help mediate disputes and hold businesses accountable for their actions.
- Keeping detailed records: Document all communication with the debt collector, including dates, times, and details of conversations. This can be crucial evidence if you need to take legal action.
- Reviewing your credit report: Ensure that the debt is accurate and valid. If there are discrepancies, dispute them with the credit bureaus.
- Disputing the debt: If you believe the debt is not yours or the amount is incorrect, dispute it with the debt collector in writing.
- Seeking assistance from a non-profit credit counseling agency: These agencies can provide financial advice and help you manage your debts.
Remember, you have rights as a consumer, and debt collectors must follow the law when collecting debts. Don’t be afraid to stand up for yourself and seek help if you are experiencing debt collection 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. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Great Lakes Processing Services, LLC. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
