Getting a surprise call from Chesapeake Credit Inc can make your whole day feel stressful. Maybe the caller mentions an old medical bill, a small balance you thought insurance handled, or a utility bill from a former address. Many people in that moment search online for Chesapeake Credit Inc harassment to figure out whether the calls are even legal. Others try to confirm a real Chesapeake Credit Phone Number so they can tell whether they are speaking with a genuine company or a scammer.
The important thing to remember is that you have rights. Even when a debt is legitimate, collectors cannot say whatever they want or call whenever they feel like it. Federal laws protect you from abusive, deceptive, and unfair collection practices. This guide explains who this agency is, why it might be contacting you, what conduct crosses the line into harassment, and how you can use the law to protect yourself.
Who Chesapeake Credit Inc is
Business and industry directories list Chesapeake Credit Inc as an adjustment and collection services company based in College Park, Maryland, at 4920 Niagara Road Suite 300. These sources describe Chesapeake Credit Inc as a Maryland collection agency that helps businesses and medical providers collect overdue accounts by sending demand letters, placing collection calls, reporting to credit bureaus, and supporting legal action when creditors choose that route.
In other words, this company does not lend money or treat patients. It steps in after another business decides an unpaid account should be pursued by a professional collector.
Why the company might be contacting you
Collectors usually become involved only after a creditor has already tried to get paid and failed. Common reasons a creditor might place an account with Chesapeake Credit Inc include
- 👉 A hospital or clinic bill that remained unpaid after insurance adjustments and office billing
- 👉 A separate laboratory or imaging invoice that did not arrive at the same time as the main bill
- 👉 A utility or service account that still had a balance after you moved
- 👉 A local business invoice that was overlooked during a difficult period such as illness or job loss
By the time you hear from the agency, the account may have aged for months or years. Fees or interest may have been added, and records can be incomplete, especially if the debt has moved between multiple collectors. That is exactly why you should never feel pressured to pay on the spot based on a single phone call.
Is the agency legitimate
Public sources show Chesapeake Credit Inc listed for many years as a collection agency doing business in College Park, Maryland, with a published office number and email contact. Consumer law resources also mention Chesapeake Credit Inc as a company that chases unpaid debts for creditors and that can be the subject of consumer complaints when people feel they have been treated unfairly.
That means you are not dealing with a random fake name invented for a scam. At the same time, even a legitimate collection agency can make mistakes, push too hard, or cross legal boundaries. On top of that, scammers sometimes pretend to be known agencies to sound more convincing, which is why you should always verify the details before sharing personal information or making payments.
How to verify contact from the agency safely
If someone calls and claims to be from Chesapeake Credit Inc, treat the conversation as a chance to gather information rather than a moment to make quick decisions. Ask the caller to provide
- ➡️ The full company name
- ➡️ The office mailing address
- ➡️ The Chesapeake Credit Phone Number they want you to call back
- ➡️ The name of the original creditor
- ➡️ A general description of the account and when it was opened or used
Write all of this down. Then explain that you would like to receive information in writing and end the call politely. Later, you can compare the address with the College Park address listed in independent directories and confirm that the Chesapeake Credit Phone Number matches a number used by the agency in public listings or consumer law firm pages.
If the caller refuses to give basic contact information, pressures you to pay immediately, or becomes angry when you ask for written proof, those are warning signs. Even when everything matches, verification does not replace your other rights. It simply tells you who you are dealing with so you can move on to the next step with a clear head.
What harassment by this collector can look like
A single polite letter or respectful call about a real bill is not harassment. Chesapeake Credit Inc harassment appears when the agency or its representatives use tactics that are unreasonable, abusive, or deceptive.
People dealing with this and similar agencies often describe problems such as
- ✅ Calls repeated several times in a single day about the same account
- ✅ Calls very early in the morning or late at night
- ✅ Calls to your workplace after you have explained that your employer does not allow personal collection calls
- ✅ A rude or shaming tone designed to embarrass you instead of simply discuss the account
- ✅ Vague statements about lawsuits, wage garnishment, or damaged credit with no clear explanation of what that actually means
- ✅ Refusal to send written details when you ask
- ✅ Pressure to make a payment during the very first call before you have seen any documents
When you see a pattern like this, you are not simply dealing with firm collection efforts. Agents for Chesapeake Credit Inc may be crossing legal lines, and that is exactly what consumer protection statutes are meant to address.
Your rights under federal consumer protection laws
Two major federal laws protect consumers from abusive collection behavior and inaccurate reporting. When Chesapeake Credit Inc or any similar agency contacts you about a personal or household debt, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act are both important.
Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act is the main federal law governing how third party collectors are allowed to behave when they attempt to collect consumer debts. Under the FDCPA, Chesapeake Credit Inc must follow strict rules, including
- ➥ No calls before eight in the morning or after nine at night in your time zone
- ➥ No calls at times or places that the collector knows are especially inconvenient
- ➥ No repeated calls whose natural purpose is to annoy, abuse, or harass you
- ➥ No use of threats, profanity, or abusive language
- ➥ No false statements about the amount owed or about legal consequences
- ➥ No pretending to be a lawyer, court, or government agency if that is not true
- ➥ No sharing details of your debt with most third parties such as neighbors or coworkers
The law also requires the agency to send you a written notice shortly after first contact. That notice must tell you how much is claimed, the name of the current creditor, and describe your right to dispute the debt in writing within a set time. If you send a timely written dispute, collection activity should pause until the company sends verification. Ignoring this process can turn ordinary collection into actionable Chesapeake Credit Inc harassment.
Fair Credit Reporting Act
If an account handled by Chesapeake Credit Inc shows up on your credit reports, the Fair Credit Reporting Act governs how that information must be handled. The FCRA requires that
- ➥ Reported information be accurate and complete
- ➥ Negative items such as collection accounts be removed after certain time limits
- ➥ Companies that furnish information to credit bureaus investigate disputes and correct or delete entries they cannot substantiate
If you see a collection entry for this agency and believe it is wrong, you can dispute it with the credit bureaus and with the company. They must investigate, and if the information is not supported, it should be corrected or removed.
How to respond when you first hear from the agency
When you receive the first call or letter, it is easy to panic. Instead, slow things down and build a record. Each time you hear from the collector, write down
- ✔️ The date and time
- ✔️ The Chesapeake Credit Phone Number or address used
- ✔️ The name of the person you spoke with
- ✔️ A brief summary of what was said, including any threats or demands
Save every letter or email. Screenshot call logs and any text messages. This record will help you later if you need to prove a pattern of Chesapeake Credit Inc harassment or raise legal claims.
Politely refuse to set up payments during that first contact. Tell the representative that you want written information about the alleged debt. When the notice arrives, read it carefully and compare it with your own records. Ask yourself whether you recognize the creditor, whether the amount seems realistic, and how old the account appears to be.
How to dispute a debt and request validation
If you do not recognize the debt, believe the amount is wrong, or think the account is too old to collect, you have the right to dispute it. That dispute should be in writing.
In your letter to Chesapeake Credit Inc, you can
- 👉 State that you dispute the debt in full or in part
- 👉 Ask for the name and address of the original creditor if it is different from the current one
- 👉 Request an itemized breakdown of the claimed balance
- 👉 Ask for copies of any documents that show you are responsible for the account
Send this letter by a method that provides tracking and proof of delivery. Keep copies of everything you send. Once the company receives your dispute, it should pause most collection efforts until it provides proper validation. If it continues to demand payment without sending proof, that can strengthen your argument that the conduct is unlawful.
Reducing or stopping collection calls
Even if a debt is valid, you do not have to accept constant calls that disrupt your life. If you have clearly stated your preferences and Chesapeake Credit Inc harassment continues, it is time to assert your rights more firmly.
You may tell the agency that your employer does not allow collection calls at work and that all calls to that number must stop. You can also state that certain times are not convenient and that you prefer communication in writing. It is wise to put these requests into a letter so that you have a written record.
If needed, you can send a stronger letter telling the collector to stop most direct communication. After receiving such a letter, the company is generally limited to a small number of specific contacts, such as notifying you of particular legal actions. Calls that continue beyond those limits can provide powerful support for a legal claim.
When legal threats or lawsuits appear
Collectors sometimes mention court or lawsuits in a way that sounds frightening. A representative of Chesapeake Credit Inc is allowed to explain that a creditor may choose to sue if a debt is not resolved, but they are not allowed to claim that legal action has already been taken when it has not or to threaten actions they have no real intention of pursuing. Exaggerated or false threats are classic examples of behavior that federal law forbids.
If you receive real court papers, such as a summons and complaint with your name on them, you must not ignore them. Court deadlines are strict, and failing to respond can lead to a default judgment. A consumer rights lawyer can review the paperwork, check whether the company has enough evidence, and look for defenses such as lack of documentation or expired limitation periods.
How Consumer Rights Law Firm PLLC can help
Dealing with a collection agency can feel like stepping into a system that someone else understands far better than you do. Consumer Rights Law Firm PLLC focuses on helping people facing collection abuse and unfair credit reporting and can step between you and this collection agency so you are not doing everything alone.
Consumer Rights Law Firm PLLC
133 Main Street Second Floor
North Andover MA 01845
Phone 877 700 5790
Email help@consumerlawfirmcenter.com
The firm can
- ✔️ Review your letters, call records, and credit reports for possible violations of the FDCPA and FCRA
- ✔️ Explain how the law applies to your specific situation
- ✔️ Communicate directly with the agency so you no longer have to field every call
- ✔️ Send formal demands that any unlawful conduct stop and that the company properly documents its claim
- ✔️ Help you dispute inaccurate credit reporting and push for corrections
- ✔️ Defend you in court if a lawsuit has been filed and require the collector to prove its case
- ✔️ Seek monetary damages when your rights have been violated, including compensation for stress and statutory damages where allowed
Because many consumer protection laws allow successful consumers to recover attorney fees from the collector, you can often pursue your rights without paying large fees in advance.
Success Stories
- 🏆 I was being harassed by Accounting Systems Inc over a debt I didn’t even owe. The law firm reviewed my case, proved the debt was invalid, and forced them to remove it from my credit report. They even got me compensation for the illegal collection attempts. If you’re dealing with debt collector abuse, call these lawyers—they fight for you!
- 🏆 After Accounting Systems Inc threatened legal action and called my workplace, I reached out to Consumer Rights Law Firm PLLC. They were incredibly responsive and explained my rights clearly. They negotiated a resolution, stopped the harassment, and made sure the collectors followed the law. I couldn’t have asked for better representation!
- 🏆 Accounting Systems Inc was calling me multiple times a day, even after I asked them to stop. I felt bullied and stressed. Consumer Rights Law Firm PLLC stepped in, sent a cease-and-desist letter, and sued for violations of the FDCPA (Fair Debt Collection Practices Act). Not only did the calls stop, but I also received a settlement for the harassment. Highly recommend their expertise!
Frequently asked questions
What is Chesapeake Credit Inc
It is a collection agency based in College Park, Maryland, that provides adjustment and collection services for businesses and medical providers and pursues unpaid consumer accounts on their behalf.
How do I know if Chesapeake Credit Inc harassment is happening
If you are receiving repeated calls, contact at inconvenient times, calls to your workplace after you said to stop, or threats that seem exaggerated or unclear, and the company refuses to provide proper written proof, you may be experiencing unlawful harassment rather than normal collection activity.
🎯 Conclusion
Even though you did not choose to deal with this agency, Chesapeake Credit Inc may suddenly appear in your life through calls, letters, or credit report entries. That experience can feel intimidating and confusing, especially if you are not sure whether the debt is accurate or if the company is following the law.
You are not powerless. By documenting every contact, confirming details, asking for validation in writing, disputing anything that seems wrong, verifying any Chesapeake Credit Phone Number before sharing information, and reaching out to Consumer Rights Law Firm PLLC when you need help, you can move from reacting in fear to acting with knowledge.
You may not be able to change the past that led to the account, but you can insist that any collection activity now is fair, honest, and legal. That is the key to protecting your rights, your credit, and your peace of mind.
