;Getting a call about an old bill is stressful. Getting call after call, at all hours, with pressure and threats, is something else entirely. When that happens, it stops feeling like routine collection and starts feeling like harassment. Many consumers use the phrase Beacon Services harassment when they describe what they are experiencing from a collector in Maryland or from a similarly named agency.
If your phone keeps lighting up, if letters arrive that sound more like threats than information, or if your credit report suddenly shows a collection entry from a company you barely recognize, you are not powerless. United States law gives you strong rights under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and related state rules. You can demand proof, control when and how collectors talk to you, and in many cases recover money when your rights are violated.
This guide explains who Beacon Services LLC is, how it relates to other names you might see such as Beacon Recovery Group, what debt collection harassment looks like, and the practical steps you can take to protect yourself. You will also see how Consumer Rights Law Firm PLLC can step in so you do not have to handle the situation alone.
Who is Beacon Services LLC
Beacon Services LLC is a licensed collection agency based in Lutherville Timonium Maryland. Public corporate and business records show the company operating from 30 East Padonia Road Suite 508 in Timonium with a mailing address at Post Office Box 4597 Timonium Maryland 21094.
The firm describes itself as a Maryland collection agency that helps businesses and financial institutions recover unpaid receivables and improve cash flow. It has been active since the mid nineteen nineties and focuses heavily on consumer debt recovery, including medical and financial accounts.
On its own site, Beacon Services lists customer contact details including
- ➡️ Office address at East Padonia Road in Timonium
- ➡️ Consumer telephone line at 410 842 1065
- ➡️ Toll free line at 800 714 6667
- ➡️ Customer payment portal for online payments
From a business perspective, this means Beacon Services is a real collection agency, not a made up name. But it also means it must follow the same federal rules as any other collector when it contacts you about a personal debt.
Beacon Services versus Beacon Recovery Group
Your search history or credit report might show more than one company with the word Beacon in its name. In addition to Beacon Services LLC in Maryland, there is a separate company called Beacon Recovery Group based in New York that also works as a debt collection agency and appears on credit reports as a collection tradeline.
Beacon Recovery Group is not the same business as this company. It has its own branding, website, and complaint history. Some legal information sites and consumer protection blogs discuss Beacon Recovery Group debt collection issues, including allegations of aggressive calling, poor validation, and negative credit reporting.
Why does this matter to you
- 👉 You might see Beacon Services on a letter and Beacon Recovery Group on your credit report.
- 👉 You could be dealing with two different collectors at different times on the same debt.
- 👉 You need to know which company is actually contacting you before you decide what to do.
In this article, the main focus is Beacon Services LLC in Maryland. The same laws and general strategies also apply if your situation involves Beacon Recovery Group or another agency with a similar name, but you must always verify exactly which company you are dealing with before taking action.
What Beacon Services harassment can look like
Not every contact from a collector is illegal. A single polite letter or a reasonable phone call about a genuine debt is allowed. Harassment begins when the pattern or tone of contact would naturally upset or overwhelm a normal person.
Consumers who describe Beacon Services harassment often report patterns such as
- 🚨 Calls several times in a single day or many days in a row
- 🚨 Calls early in the morning or late at night
- 🚨 Pressure to pay immediately with a card over the phone
- 🚨 Refusal to send clear written explanations of the debt
- 🚨 Rude or dismissive responses when they ask questions
- 🚨 Hints or threats about lawsuits, wage garnishment, or damage to reputation
In some situations, people say they have had calls to their workplace after asking the agency not to contact them there. Others report that family or neighbors were contacted or that messages were left with very limited identification in a way that felt embarrassing.
The explains that debt collectors are not allowed to use unfair, deceptive, or abusive acts or practices. That includes repeated phone calls intended to annoy or abuse, contacting third parties about your debt, and using threats or profanity.
If your experience with this company fits this picture, you are not simply dealing with tough talk. You may be dealing with a pattern of behavior that federal law prohibits.
Your rights under the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act, often called the FDCPA, is the main federal law that governs the conduct of third party debt collectors. Beacon Services LLC fits squarely in this category when it collects on consumer accounts such as medical bills, credit card accounts, or personal loans.
Under the FDCPA
- ✔️ Collectors cannot call you before eight in the morning or after nine in the evening in your time zone.
- ✔️ They cannot use obscene language, threats of violence, or repeated calls intended to annoy or abuse.
- ✔️ They cannot falsely state that you will be arrested or that you have committed a crime by not paying a civil debt.
- ✔️ They cannot claim to be lawyers or government officials if they are not.
- ✔️ They cannot misrepresent the amount you owe or add fees that are not authorized by your contract or state law.
- ✔️ They must stop contacting you at work if you tell them your employer does not allow such calls.
- ✔️ They cannot tell third parties about your debt, except for very limited location information.
The FDCPA also requires collectors to send a written notice shortly after first contact that states the amount of the debt, the name of the current creditor, and your right to dispute the debt within a set time. If you dispute in writing, the collector must pause active collection until it provides verification.
If Beacon Services violates these rules, you may be entitled to statutory damages, compensation for actual harm, and payment of your attorney fees if you bring a successful claim in court.
Your rights under the Fair Credit Reporting Act
In addition to FDCPA protections, you also have rights under the Fair Credit Reporting Act, which governs how information appears on your credit reports. The company explains on its own consumer resources page that consumers should understand their rights under the FCRA and check their reports regularly.
Under this law
- ➜ Only accurate and verifiable information should appear on your credit file.
- ➜ You have the right to obtain free copies of your credit reports from the major bureaus.
- ➜ You can dispute entries you believe are incomplete or incorrect.
- ➜ Credit bureaus must investigate your dispute, usually within a set number of days.
- ➜ If the furnisher of information cannot verify the entry, the bureau must remove or correct it.
This matters when this company or a related company reports a collection account in your name. A collection entry can significantly lower your score and make it harder to rent an apartment, get a car loan, or even pass some employment checks. If that entry is inaccurate or the amount is wrong, you have the right to challenge it and force a review.
Confirm that you are dealing with the real company
Scammers sometimes use the names of real agencies to sound more convincing. Before you respond to any call or letter, you should confirm that the contact truly comes from the genuine Beacon Services LLC.
When someone calls you and claims to be from Beacon Services
- ➜ Ask for the full company name.
- ➜ Ask for the physical mailing address.
- ➜ Ask for a direct telephone line and extension.
- ➜ Ask for your account reference number.
- ➜ Ask for the name of the original creditor.
Write this information down. Then, independently check the details. The official site and trusted business listings show Beacon Services located at 30 East Padonia Road in Lutherville Timonium with consumer contact numbers including 410 842 1065 and a toll free line.
If the caller refuses to give basic details, if the address does not match, or if the number they provided does not align with any public listing, treat the call as suspicious. You can always hang up and then call the known Beacon Services LLC number to confirm whether the company is genuinely contacting you about an account.
Document every contact carefully
As soon as you suspect that Beacon Services harassment may be happening or might begin, start keeping a detailed record. Your memory alone is not enough to show how often calls came or what was said.
Create a log and record
- ➤ Date of each call or letter
- ➤ Time and duration of calls
- ➤ Number that appeared on your phone
- ➤ Name of the person who spoke
- ➤ Summary of what was said
- ➤ Any threats, deadlines, or unusual remarks
Save any voice messages, and keep copies of letters, emails, and texts. If your state allows it, you can consider recording calls after informing the caller that you are doing so.
Both regulators and consumer law firms recommend this kind of documentation because it turns your experience into evidence. If you later need to report Beacon Services harassment to a regulator or bring a lawsuit with the help of a lawyer, your log and saved messages will be essential.
Ask for written validation and review it slowly
You are never required to accept a collector’s word over the phone that a debt is real or that the amount is correct. The FDCPA gives you the right to receive a written validation notice that explains the claimed debt.
If you do not receive this notice within a short time after first contact, send your own written request to the company address listed on their site or on the letter you received. In your letter
- ➡️ State that you are requesting validation of the debt.
- ➡️ Ask for the name and address of the original creditor.
- ➡️ Ask for an itemized breakdown of the amount, including principal, interest, and fees.
- ➡️ Request copies of any statements or contracts that support the claim.
Mail your letter in a way that provides proof of delivery and keep a copy for your records. While your dispute is pending, the agency should pause active collection. If they continue to demand payment and refuse to send documentation, that conduct may support a claim that it has violated the FDCPA.
Control where and when you are contacted
Constant calls can make it impossible to focus at work or relax at home. The law gives you some control over how collectors communicate with you.
Tell Beacon Services LLC if your employer forbids personal calls or if calls are putting your job at risk. Clearly say that you do not consent to contact at your workplace. Let them know which hours are acceptable for calls and which are not. You can also state that you prefer communication in writing, which slows things down and gives you time to think.
Follow up with a short letter that repeats these limits. Once the agency is aware that certain times and places are inconvenient or prohibited, continuing to call in those ways can help prove Beacon Services harassment under the FDCPA.
In some situations you can send a broader letter directing the company to stop contacting you entirely, except for very narrow legal notices. A consumer rights lawyer can advise you on whether that step is wise in your case.
Protect your credit reports
A collection entry with the name Beacon Services LLC or Beacon Recovery Group can stay on your credit reports for years and damage your score during that entire period. That is why the FCRA gives you the right to see your reports and dispute inaccurate or outdated entries.
Check your reports from the major credit bureaus. Look for
- ✅ Collection accounts with the name of the agency or the original creditor
- ✅ Balances that seem wrong
- ✅ Dates of delinquency that do not match your memory
- ✅ Duplicate entries for the same debt
If something seems wrong, send written disputes to each bureau that reports the entry. Explain what is inaccurate and include copies of any proof you have, such as letters from this company, payment confirmations, or your own account records.
If the agency cannot verify the information, the bureaus must remove or adjust the entry. This process can be especially important when Beacon Recovery Group or another company with a similar name appears on your report even though you were never properly notified or the debt was already settled.
Take harassment seriously and seek legal help
If calls and letters from Beacon Services LLC are affecting your sleep, your health, or your work, or if you feel threatened or confused by legal language, it is time to consider professional help. You do not have to wait until a lawsuit is filed.
A consumer rights lawyer can
- 👉 Review your log and saved messages
- 👉 Compare the agency’s conduct with FDCPA and FCRA requirements
- 👉 Tell you whether what you have experienced likely counts as Beacon Services harassment
- 👉 Advise you about letters to send or not send
- 👉 Take over communication so that future contact must go through your attorney
If the facts support it, your lawyer can file a lawsuit seeking statutory damages, actual damages, and court orders that require the agency to stop unlawful behavior. Consumer protection statutes often allow successful plaintiffs to recover attorney fees from the collector, which makes it more realistic to fight back even if you are already under financial stress.
How Consumer Rights Law Firm PLLC can help you
You do not need to face Beacon Services LLC or Beacon Recovery Group alone. Consumer Rights Law Firm PLLC focuses on protecting people who are dealing with collection abuse, unfair credit reporting, and other consumer law problems.
Firm information
📍 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 Consumer Rights Law Firm PLLC, the team can
- ✔️ Review your situation with Beacon Services harassment or related issues
- ✔️ Examine your documentation and credit reports
- ✔️ Explain your rights under the FDCPA, the FCRA, and state law
- ✔️ Send demand letters to Beacon Services or Beacon Recovery Group telling them to stop unlawful conduct
- ✔️ Require full documentation of any alleged debt
- ✔️ Negotiate fair resolutions where a legitimate obligation exists
- ✔️ Bring legal action when violations are clear and you want to pursue damages
The firm’s goal is to stop harassment, protect your credit, and give you peace of mind while you deal with underlying financial issues in a way that makes sense for your life.
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
✔️ Is Beacon Services a real company
Yes. Beacon Services LLC is a licensed Maryland debt collection agency located on East Padonia Road in Lutherville Timonium.
✔️ What is the Beacon Services phone number
Consumer contact information lists 410 842 1065 and a toll free customer line at 800 714 6667 for Beacon Services LLC.
✔️ How is Beacon Recovery Group different
Beacon Recovery Group is a separate debt collection company based in New York that also appears on credit reports and has its own complaint history.
✔️ What laws protect me from Beacon Services harassment
The Fair Debt Collection Practices Act and state consumer laws limit abusive collection behavior, and the Fair Credit Reporting Act protects your credit files.
✔️ Can Beacon Services call me at work
They may try, but once you tell them your employer does not allow personal calls, they must stop contacting you at your workplace number.
✔️ What should I do if I do not recognize the debt
Request written validation, ask for the original creditor’s name and records, and do not pay until you understand exactly what the claim is.
✔️ Can I stop all calls from the collector
You can send a written request limiting or stopping communication. After that the agency may only contact you for narrow legal reasons.
✔️ How do I fix my credit if a Beacon account is wrong
Dispute the entry with each credit bureau, provide any proof you have, and use your FCRA rights to force an investigation and correction.
✔️ Can I get money if the agency broke the law
If you prove FDCPA violations, you may recover statutory damages, compensation for harm, and attorney fees in addition to stopping the behavior.
✔️ When should I call Consumer Rights Law Firm PLLC
Call when collection contact feels relentless, abusive, confusing, or when you receive legal papers from Beacon Services or Beacon Recovery Group.
🎯 Conclusion
Dealing with debt is difficult enough without calls that cross the line. Whether your letters bear the name Beacon Services LLC, your credit report shows a collection from Beacon Recovery Group, or your phone will not stop ringing, you have real rights and you are not at the mercy of any collector.
By confirming the identity of the agency, carefully documenting every interaction, insisting on written validation, setting clear limits on contact, and using your rights under the FDCPA and FCRA, you can turn a frightening situation into one you can manage. With support from Consumer Rights Law Firm PLLC, you can push back against Beacon Services harassment, protect your credit, and move toward a fair and lawful resolution of any genuine obligations.
