Debt collectors are supposed to follow the law, not terrify you. But when the calls keep coming, the tone gets ugly, and you feel like you cannot get a moment of peace, the situation stops being about money and turns into harassment. Many consumers describe exactly this when they talk about B and B Collection account calls that never seem to end and collection threats that feel out of control.
For some people, the first sign of trouble is a surprise collection letter. For others, it is a series of unknown numbers lighting up their phone all day, followed by a voice demanding payment on a debt they barely remember or do not recognize at all. Over time, that pressure can grow into full blown B and B Collection harassment, with repeated calls, veiled threats, and refusal to listen when you say you need everything in writing.
The good news is that United States law gives you specific rights in this situation. You can force collectors to play by the rules, you can demand proof of what they claim you owe, and you can make abusive contact stop. This guide explains who this agency is, what its contact can look like, how to protect yourself, and when to bring in a consumer rights law firm to stand between you and the calls.
Who is B and B as a collection agency
Public business directories in the United States identify a small but active collection firm operating under a similar name with an address at
📌 475 Landis Lane
Mount Washington
Kentucky 40047
Bullitt County
The listing classifies the business under the adjustment and collection services category and notes that it operates as a traditional collection agency that chases unpaid accounts for various creditors. That makes it functionally similar to other agencies that recover past due debts for medical providers, lenders, and service companies.
When a consumer sees this kind of company name on a letterhead or caller display, it usually means that an old account has been sent out for collection. Sometimes the original creditor still owns the account and has simply hired a BB Collection Service type outfit to collect on its behalf. In other cases, the creditor has sold a bundle of delinquent accounts and the collector now owns the debt and is trying to recover as much as it can.
Whatever the exact contract in the background, your day to day experience looks the same. You are now dealing with a dedicated collection agency whose business is to apply pressure until it recovers money, and you need to know what that agency is and is not allowed to do.
Is this a scam or a legitimate collection agency
When you first encounter a new collector, it is natural to wonder whether the whole thing is fake. That is especially true if you do not immediately recognize the original account or if the caller refuses to give clear answers.
In this case, directory records show a real business at a real address with an established classification as a collection agency. That suggests that BB Collection Service style contact is coming from a genuine third party collector, not a random scammer pretending to be a collector.
However, three important points follow from this
- 👉 Even a real agency can break the law by using harassment or deception
- 👉 Scammers can still pretend to be this agency and use a similar name
- 👉 You should always verify details before sending money or sharing your financial information
Legitimacy as a business does not give a collector permission to ignore consumer protection rules. It simply means you should treat every interaction seriously, document it carefully, and respond in a way that protects your rights.
How B and B Collection Harassment typically looks and feels
Most people can tolerate a single polite reminder about an unpaid bill. Harassment is different. It is a pattern of conduct that would naturally wear down or frighten a reasonable person. When consumers describe B & B Collection Harassment, they often talk about the same clusters of behavior.
You might notice
- ➡️ Daily calls, sometimes several in the same day
- ➡️ Calls that arrive very early in the morning or late at night
- ➡️ A sharp or dismissive tone when you ask questions
- ➡️ Pressure to make a payment immediately by card or bank transfer
- ➡️ Threats of lawsuits or wage garnishment delivered without real explanation
- ➡️ Refusal to send a clear written breakdown of what is claimed
Some people also report calls continuing at their job even after explaining that they cannot receive personal calls at work. Others say that friends or family members received messages or inquiries about them.
Under the Fair Debt Collection Practices Act, this kind of pattern is a serious problem. United States regulators consider it illegal for collectors to call at unreasonable times, to reveal your debt to other people, or to use language that is abusive or deceptive. When that behavior appears around a small agency like B and B Collection, it is not just rude. It may be unlawful.
Your rights under federal debt collection law
The main federal law that protects you from harassment is the Fair Debt Collection Practices Act. This law applies to third party collectors that chase personal debts on behalf of creditors. A company operating like BB Collection Service falls squarely in that category.
Under this law, a collector is not allowed to
- ✅ Use obscene or abusive language with you
- ✅ Threaten arrest or criminal charges for not paying a civil debt
- ✅ Repeatedly call with the intent to annoy, harass, or abuse
- ✅ Call you before eight in the morning or after nine at night in your time zone
- ✅ Discuss your debt with friends, relatives, or coworkers except for very narrow reasons
- ✅ Lie about the amount you owe or about what can legally happen to you
The law also gives you positive rights. You are entitled to a written notice after first contact that states the amount of the debt, the name of the current creditor, and your right to dispute the debt. If you dispute in writing within a short window, the collector must stop active collection until it sends back verification.
These rules do not disappear simply because your account is small or old. They apply fully to the smallest B and B Collection account just as they apply to a large national bank debt.
Why documenting everything is essential
When you are in the middle of a stressful situation, it can be hard to remember exactly what was said or how often calls came in. That is why consumer protection agencies and experienced lawyers almost always give the same first instruction. Start writing everything down.
Create a simple notebook or digital document just for this purpose. Each time you get a call, text, letter, or email that you believe comes from BB Collection Service, record
- ➤ The date
- ➤ The time
- ➤ The number that appeared on your phone
- ➤ The name the caller gave
- ➤ What the caller asked you to do
- ➤ Anything that sounded threatening, confusing, or wrong
Save voicemail messages where possible. Take screenshots of text messages and emails. Keep all letters and envelopes together in a single folder. Make a note if someone mentioned an internal reference number.
If later you decide that what is happening rises to the level of B and B Collection Harassment, this record becomes your strongest ally. It can show how often the agency called, whether it ignored your written requests, and whether it used language or threats that federal law forbids.
How to verify you are speaking with the real agency
Scammers sometimes copy the names of small collection firms, hoping people will pay quickly just to make the calls stop. Before you decide how to respond, you should make sure you are actually dealing with the real company listed at the Mount Washington address rather than a fake caller.
When someone claims to be from this agency, calmly ask for
- ✔️ The full company name
- ✔️ The mailing address
- ✔️ Your account or reference number
- ✔️ A direct B and B Collection Phone Number where you can call that office back
- ✔️ The name of the original creditor
Write down every detail. Then end the call and look up the agency in an independent directory. Confirm that the mailing address matches 475 Landis Lane in Mount Washington and check that the B and B Collection Phone Number listed publicly matches the one you were given.
If the caller refuses to give an address, pushes you to pay before you can verify anything, or gives a number that does not match any trusted listing, you have every reason to be suspicious. You can always decline to pay until you have something in writing from an address you know is real.
Requesting written validation of the debt
You are not required to take a collector’s word over the phone that a debt is yours or that the amount is correct. Federal law gives you the right to written validation. Shortly after first contact, a collector should send a letter that tells you the amount claimed, the name of the creditor, and what to do if you want to dispute the account.
If no such letter arrives, send your own written request. In that letter
- ➥ State that you are responding to contact from B and B Collection
- ➥ Say that you dispute the debt or need more information
- ➥ Ask for an itemized breakdown of the amount
- ➥Request the name and address of the original creditor
- ➥Ask for copies of account statements or contracts if they are available
Send the letter by a method that gives you proof of delivery, such as certified mail, and keep a copy in your records. Once your dispute arrives, active collection should pause until the agency sends back verification. If it continues to call and demand money while refusing to provide documents, that behavior can help prove B & B Collection Harassment and violation of federal law.
Setting boundaries on calls and communication
Even when a debt is valid, you have a life to live. The law recognizes that you should not be chased at work or woken up late at night over and over. If calls from BB Collection Service are interfering with your job, your family, or your health, it is time to set clear boundaries.
On the phone, tell the caller that your workplace does not allow personal calls and that you do not consent to being contacted there. Explain what times of day are acceptable and which are not. Say that you prefer to receive detailed information in writing so that you can review it calmly.
Follow this up with a short letter that repeats those points. Keeping written proof of your limits matters. If the company keeps calling your job or your phone at forbidden hours after it receives that letter, those facts will support any claim of B and B Collection Harassment you may bring later.
In some cases, you can send a letter that instructs the collector not to contact you anymore at all, except for very limited legal notices. A consumer rights lawyer can help you decide whether this step is right in your situation, especially if you are still gathering information about the legitimacy of the debt.
When it makes sense to send a cease and desist letter
A cease and desist letter is a firm written instruction telling the collector to stop contacting you. Under federal law, once a collector receives such a notice, it must generally stop further communication except to tell you that it will no longer pursue the debt or that it plans to take a specific legal action.
This type of letter can be helpful if
- 👉 Calls continue after you set reasonable boundaries
- 👉 The tone of calls has become obviously abusive
- 👉 Staff from B and B Collection ignore your written dispute
- 👉 You are considering legal action and no longer want direct contact
However, a cease and desist letter does not erase the underlying debt. It simply cuts off routine calls and letters. The agency may still choose to sue if it believes that step is worthwhile. That is why it is important to speak with a consumer rights attorney before sending a formal cease and desist notice, so you understand the possible next steps.
Protecting your credit report
Many consumers first encounter this kind of agency when they see a new collection line on a credit report with a similar name or with the name of the original creditor followed by the word collections. A reported collection account can damage your score and make it harder to get loans, housing, or even some jobs.
You have the right to fair and accurate credit reporting. If your reports show an account tied to BB Collection Service that you do not recognize, or if the balance or dates look wrong, you can dispute the entry with the credit bureaus. In your dispute
- 🚨 Clearly identify the account
- 🚨 Explain what you believe is wrong
- 🚨 Attach copies of any letters, payment proof, or responses from the collector
The bureaus must investigate and remove or correct information that cannot be verified. This process can be critical if entries connected with B and B Collection Harassment are hurting your credit even though the underlying debt is inaccurate, old, or already resolved.
What if the agency files a lawsuit
Sometimes a collection agency decides to sue in order to obtain a judgment. A judgment can allow garnishment or other more serious actions depending on your state. If you receive a court summons naming this company, do not ignore it.
Take these steps quickly
- ➡️ Read the papers carefully to see who is suing and for how much
- ➡️ Note the deadline for filing an answer with the court
- ➡️ Gather your documents, including disputes, letters, and payment records
- ➡️ Contact a consumer rights attorney as soon as possible
Even if you believe the debt is not yours or is too old, you must respond in the way the court requires. Ignoring a lawsuit is almost always worse than defending it. A lawyer who understands collection law can help you raise defenses, challenge the agency’s proof, and bring counterclaims if B and B Collection Harassment has been part of the story.
How Consumer Rights Law Firm PLLC can help
Standing up to a collection agency is hard to do alone. Once calls start, it may feel as if the collector has all the knowledge and power. In reality, the law gives you significant rights, and a focused consumer rights firm can help you use them.represents people facing abusive and unlawful collection practices across the country. The firm understands how small agencies like B and B Collection operate and how federal and state protections apply to your situation.
You can reach the firm at
Consumer Rights Law Firm PLLC
📌 133 Main Street Second Floor
North Andover Massachusetts 01845
📞 Phone 877 700 5790
☎️ Email help@consumerlawfirmcenter.com
When you contact the office, the team can review your call log, saved messages, letters, and credit reports. They can tell you whether what you are experiencing likely qualifies as B and B Collection Harassment under federal or state law.
Depending on your case, Consumer Rights Law Firm PLLC may
- ✔️ Send strong letters demanding that unlawful contact stop
- ✔️ Require the agency to provide complete documentation of the debt
- ✔️ Negotiate fair settlements when a valid obligation exists
- ✔️ File a lawsuit seeking statutory damages, compensation for harm, and orders to stop illegal practices
In many debt collection abuse cases, federal law allows courts to require the collector to pay your reasonable attorney fees if you prevail. That can make it much easier to get high quality help without paying large sums out of pocket at the start.
Success Stories
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued, it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately, they were able to put some money in my pocket as well. Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights. Their expertise in negotiating settlements with debt collectors was invaluable.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions. The staff were very courteous and helpful, and they were familiar with the Collection Agencies in question. The harassment calls stopped, and I was even compensated. As a collection law firm, they provided exceptional legal assistance and ensured my rights were protected. I would recommend this company to anyone going through this type of harassment. A very satisfied customer.”
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”
🔗 Check out a links below for more information:Massachusetts Attorney General
Frequently asked questions
✅ What is B and B Collection
It is a collection agency based in Mount Washington Kentucky that recovers money on past due accounts for creditors and sometimes for debts it has purchased.
✅ Is this company allowed to call me
A collector may contact you about a genuine debt, but it must follow the Fair Debt Collection Practices Act and avoid harassment or deception.
✅ What if I do not recognize the account
Request written validation and ask for the name of the original creditor and an itemized breakdown before you consider any payment.
✅ How can I find the correct B and B Collection Phone Number
Use an independent directory listing for the Mount Washington office and call only that confirmed B & B Collection Phone Number, not random numbers from messages.
✅ Can the agency call my workplace
They may try, but once you tell them work calls are not allowed, they must stop contacting you at that number.
✅ Can I make them stop calling entirely
You can send a written cease and desist request. After that, the agency generally can only contact you to confirm it will stop or to state a specific legal action.
✅ What should I do if I feel threatened
Write down exactly what was said, save any recordings or messages, and contact a consumer rights lawyer as soon as you can.
✅ Will disputing the debt hurt my credit
A proper written dispute does not itself damage your credit. It can actually help correct inaccurate reporting related to the collection.
✅ Can I get money if the agency broke the law
If harassment or other violations are proven, you may be entitled to statutory damages, actual damages, and payment of your attorney fees.
✅ When should I call Consumer Rights Law Firm PLLC
Call when contact from this agency feels abusive, relentless, or confusing, or any time you receive legal papers you do not understand.
🎯 Conclusion
Harassment from a collection agency does more than bother you. It can interfere with your work, invade your home life, and wear down your peace of mind. Whether your situation involves a small medical bill, an old credit account, or another type of obligation, you do not lose your rights simply because an agency like BB Collection Service has your file.
By learning who you are dealing with, confirming that calls are genuine, documenting every contact, insisting on written validation, and setting firm limits on communication, you can move from feeling hunted to feeling prepared. If the behavior you experience matches B & B Collection Harassment, you can go further and enlist Consumer Rights Law Firm PLLC to enforce your rights, seek compensation, and push the agency to follow the law.
You may not have chosen to fall behind on a bill, but you can absolutely choose not to live with abuse from any collector, no matter how persistent they seem at first.
