Harvard Collection Services Phone Harassment?

🚨Harvard Collection Services Chicago IL Phone Harassment❓

Is Harvard Collection Services Chicago IL calling you? Stop Harvard Collections Services phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt?  If so what they are doing is illegal and needs to stop. You have the legal right to stop Harvard Collections Services phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.

⚠️Is Harvard Collection Services Legit❓

According to the Better Business Bureau website, Harvard Collection Services inc has been in business for 37 years. There have been 54 Harvard Collection Services complaints filed with the BBB.

Address of Harvard Collection Services: 4839 N Elston Avenue, Chicago

Chicago, IL 60630-2534

Phone: (773) 283-7500

📉Definition of a Collection Agency

A collection agency is a company that specializes in recovering debts on behalf of creditors. When debts become past due, creditors often hire collection agencies like Harvard Collection Services Chicago IL to collect the outstanding amounts. These agencies employ various methods to recover debts, including phone calls, letters, and emails.

Collection agencies are regulated by laws such as the Fair Debt Collection Practices Act (FDCPA), which sets guidelines for how they can interact with consumers. For instance, they must provide consumers with a unique identifier, such as an account number, to verify the debt. This ensures that consumers can accurately identify and address their debts. Understanding the role and regulations of collection agencies is crucial for consumers dealing with past due debts.

⚖️What Constitutes Phone Harassment❓

Phone harassment by a collection agency occurs when the agency engages in behavior intended to annoy, abuse, or harass a consumer. This can include repeated phone calls, threats of violence or harm, and the use of obscene language. Collection agencies are prohibited from calling consumers at inconvenient times, such as before 8am or after 9pm, unless the consumer has given explicit permission.

Additionally, collection agencies are not allowed to call consumers at their workplace if the consumer has requested them not to. If you experience phone harassment from a collection agency, you can report it to the Federal Trade Commission (FTC) or the (CFPB). These organizations can take action against the agency to protect consumers from abusive practices.

📢Harvard Collection Services Debt Collection Tactics

If Harvard Collection Services llc engages in any of the following tactics, you may have a case:

• Using profanity or abusive language
• Calling you before 8:00 a.m. or after 9:00 p.m.
• Calling you multiple times per week
• Talking to others about your debt
• Calling your workplace
• Threatening to sue you, harm you, or destroy your credit
• Telling you or anyone else that you’ve committed a crime
• Calling repeatedly for the wrong person
• Failing to notify you of your right to dispute the debt
• Trying to collect more than legally allowed

📞Harvard Collection Services Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

773-283-7500, 800-214-2098, 800-445-1861, 800-246-6850, 800-794-5246, 800-723-4840, 855-266-6721, (773) 283-7500, (800) 214-2098, (800) 445-1861, (800) 246-6850, (800) 794-5246, (800) 723-4840, (855) 266-6721, 7732837500, 8002142098, 8004451861, 8002466850, 8007945246, 8007234840, 8552666721

If the answer is yes, then you are receiving calls from a known HCS number. You may be a victim of HCS phone harassment.  The list above is not all the numbers that HCS uses. The calls can be from a different number and it still be Harvard Collection Services Chicago IL calling you.  Contact our office right away so we can start the process to stop HCS from calling you illegally. Above all, no one should live with harassment!

📝Your Rights as a Consumer

As a consumer, you have the right to be treated with respect and dignity by collection agencies. You can request that a collection agency stop contacting you, and they must comply with your request. If you dispute a debt, you have the right to request verification from the collection agency to ensure the debt is valid.

You also have the right to report any abusive or harassing behavior by a collection agency to the FTC or CFPB. If a collection agency violates your rights under the FDCPA, you can seek legal action against them. Knowing your rights is essential to protect yourself from unfair and illegal debt collection practices.

🛑How to Stop Phone Harassment by Harvard Collection Services

If you are being harassed by Harvard Collection Services, there are several steps you can take to stop the harassment. First, you can send a cease and desist letter to request that they stop contacting you. This is a formal way to assert your rights and demand that the harassment ends.

You can also report the harassment to the FTC or CFPB, who can take action against the collection agency. Additionally, contacting a consumer rights attorney can assist you in stopping the harassment and seeking damages. Filing a complaint with the Better Business Bureau (BBB) or the Illinois Attorney General’s office can also be effective.

Using technology, such as call-blocking apps or services, can help block calls from Harvard Collection Services. These tools can provide an additional layer of protection and peace of mind. Taking these steps can help you regain control and stop the harassment from collection agencies.

🏷️Common Questions

Is Harvard Collection Services a scam❓

No, Harvard Collection Services has been in business for 37 years.

Can HCS garnish my wages❓

Yes, HCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.

Can HCS sue me❓

Yes, HCS can sue you so long as the debt is within the statute of limitations

Can HCS report my debt to the collection bureaus❓  

Yes, Debt collectors are allowed to place the collection account on your credit report

Can HCS arrest me❓

Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.

📋The following is a sample list of complaints filed against Harvard Collection Services in the past and can be found on Pacer.gov.

1:10-cv-01315-CAB Hoffart v. Harvard Collections Services

3:14-cv-00118-RS-EMT Vaughn v. Harvard Collections Services

1:14-cv-05903-PKC-RER Lebovits v. Harvard Collections Services

3:98-cv-01033-ST Bak v. Harvard Collection

3:13-cv-02028-MBS Cooper v. Harvard Collections Services

🏛️About Us

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. Rather than suffer alone, contact our office to begin the process to stop the Harvard Collection Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from Harvard Collection Services. call us at 855-385-8182 for immediate assistance or visit our website.

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