If you have started getting letters or calls from a law office called Clark C Kingery PA, you are probably feeling stressed and maybe even a little frightened. The envelope may mention a past due balance, a judgment, or a demand for payment. The voice on the phone might say they represent a creditor or a landlord and that you need to pay now or face serious consequences.
It is normal in that moment to search for Clark C Kingery PA harassment or to wonder whether this firm is even allowed to talk to you the way it does. You might also be trying to confirm that the contact is real by looking for an official address and phone number.
The important thing to understand is this. Even though Clark C Kingery PA is a real law firm, and even if you once owed money, federal law still protects you. You have rights when a debt collection law office contacts you, and you do not have to accept unfair pressure or misleading threats. This guide explains who this firm is, how it works, what harassment looks like in this context, and the concrete steps you can take to protect yourself and your family.
Who Clark C Kingery PA Is
Clark C Kingery PA is a law firm based in Wilmington Delaware that focuses its practice on representing creditors and landlords. The firm describes its work as collections, judgment execution, and landlord tenant matters.
Contact information from the firm and public directories shows
- 📍 Office name Clark C Kingery PA
- 📌 Address 203 West Eighteenth Street Wilmington Delaware 19802
- ☎️ Phone 302 428 1915
- ✉︎ Email clark@kingerylaw.com
On the payment page of the firm website, the firm clearly states that it is a debt collector, which means that when it contacts you about a personal or household debt, it is acting as a collection law office.
Because Clark C Kingery PA is both a law office and a debt collector, its letters and calls can feel more intimidating than those from a standard collection agency. They may refer to court, judgments, wage attachment, and similar legal tools.
Why This Firm Might Be Contacting You
Clark C Kingery PA represents businesses that claim you owe them money. These clients can include
- 👉 Hospitals and medical providers
- 👉 Landlords and property owners
- 👉 Banks or other creditors
- 👉 Small businesses that extended credit or allowed delayed payment
When an account is seriously past due, a creditor may send it to this law office instead of a regular collection agency. Public descriptions of the firm explain that it handles skip tracing, litigation of debt actions, and post judgment execution, which can include wage attachment and levies on assets.
Some common situations where you might hear from Clark C Kingery PA include
- ➡️ An unpaid medical bill that remained after insurance finished its part
- ➡️ Rent or damage claims after you moved out of a property
- ➡️ A judgment obtained by a creditor years ago that the firm is now trying to enforce
- ➡️ A small business service bill that was never fully paid
By the time this firm contacts you, the account may have grown with interest and fees. It may also have been transferred among several agencies or attorneys. Whenever accounts move around like that, the chance of mistake grows. That is why it is so important not to assume that every statement made by a collector is automatically correct.
Is Clark C Kingery PA Legitimate
The firm appears in many legal directories as a Wilmington based practice that handles creditor rights and collections work. Business listings confirm the office address on West Eighteenth Street in Wilmington and show reviews and hours for the practice.
The Better Business Bureau lists Clark C Kingery PA as a law office that has been in business for around thirty years and notes that it is not accredited but holds an A plus rating, with complaint information available.
In other words, this is a real law firm, not a fake name invented for a scam. However, that does not mean every contact you receive is genuine. Scammers sometimes pretend to be known law firms in order to pressure consumers into paying. It also does not mean that every claim made by the firm about a debt is correct or that all of its collection tactics comply with federal law.
How To Verify Contact From Clark C Kingery PA
When you receive a call, do not assume that the caller is who they claim to be. Use the call to gather information. Calmly ask the person on the line for
- ✅ Full firm name
- ✅ Mailing address of the office
- ✅ The phone number they want you to use when you call them back
- ✅ The name of the creditor they claim to represent
- ✅ The amount they say you owe
- ✅ The date or period when the debt was supposedly created
Write this information down. Then say that you prefer to discuss the matter after you receive a letter. You are allowed to hang up politely and wait for written notice.
Once you have the details, you can compare the address and phone number with what appears on legal directory pages and the firm website.
If the caller refuses to provide contact information, demands immediate payment before sending anything in writing, or pressures you to give financial information right away, treat that call as suspicious. Even when the contact details match official listings, do not let that fact alone push you into paying without understanding the situation.
What Harassment From A Collection Law Firm Looks Like
Because Clark C Kingery PA is a law firm, its letters and calls may feel more serious, but that does not mean it is allowed to do anything it wants. Even attorneys who act as debt collectors must follow federal consumer protection laws when they are collecting personal or household debts.
Harassment by a collection law firm can include
- ➤ Repeated calls that seem designed to wear you down rather than simply communicate
- ➤ Calls at times that are clearly inconvenient, such as late at night or very early in the morning
- ➤ Contact at your place of work after you have clearly said that your employer does not allow you to receive these calls
- ➤ Use of aggressive, shaming, or insulting language
- ➤ Threats of lawsuits, wage attachment, or seizure of assets stated in a misleading way
- ➤ Pressure to make immediate payment during the first call before you receive any written information
- ➤ Refusal to provide details about the debt or to send documents that show how they calculated the amount
Even if some of these things have already happened, you still have options. Courts do not expect consumers to know their rights in advance. What matters is that once you recognize possible harassment, you start to protect yourself.
Your Rights Under The Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act is the main federal law that regulates how third party collectors may behave, and that includes law firms that act as debt collectors. The firm website openly states that Clark C Kingery PA is a debt collector, which means its collection activity is covered by this act when it concerns consumer debts.
Under this law, Clark C Kingery PA may not
- ✔️ Call you before eight in the morning or after nine at night in your time zone
- ✔️ Call you at times or places it knows are especially inconvenient
- ✔️ Call repeatedly in a way that has the natural effect of harassing or abusing you
- ✔️ Use profanity or abusive language
- ✔️ Threaten you with arrest or criminal charges for not paying a civil debt
- ✔️ Misstate the amount you owe or the legal status of the debt
- ✔️ Claim to be a government agency or pretend that a letter is an official court document when it is not
- ✔️ Talk about your debt with most third parties such as neighbors or coworkers
The law also requires that within a short time after first contact, the collector must send you a written notice that contains
- ✨ The amount of the debt
- ✨ The name of the current creditor
- ✨ A statement of your right to dispute the debt in writing within a set period
- ✨ A description of how to request verification
If you send a written dispute within that time, the collector must stop most collection activity until it sends you verification. Ignoring this requirement and continuing to press you for payment can be strong evidence that the firm has crossed the legal line.
If a court finds that a collector has violated the Fair Debt Collection Practices Act, you may be eligible for statutory damages, actual damages for harm you suffered, and recovery of reasonable attorney fees.
Your Rights Under The Fair Credit Reporting Act
Collection law firms often report accounts to credit bureaus or work with creditors who do. When a collection or judgment related to Clark C Kingery PA appears on your credit file, your rights under the Fair Credit Reporting Act become very important.
The FCRA requires that
- ✨ Information on your credit file be accurate and complete
- ✨ Negative items such as collections and judgments be removed after certain time limits
- ✨ Companies that furnish information respond properly when you dispute something
- ✨ Unverified or incorrect information be corrected or deleted
If you see an entry connected to this firm on your credit report that you believe is wrong, you can dispute it with each of the major credit bureaus. In your dispute, explain clearly what is wrong and include copies of any proof you have. You can also send a copy of your dispute letter to the creditor and to Clark C Kingery PA.
If the firm or the creditor continues to report inaccurate information after you have disputed it and they have had a chance to investigate, you may have a claim for damages under the Fair Credit Reporting Act. When combined with abusive collection behavior, this can significantly increase your legal options.
What To Do When You First Receive A Letter Or Call
The first time you hear from this law firm, take a breath and remember that you do not have to solve everything in one day. Your goal at this stage is to gather information and protect your position.
Start by creating a simple log where you record every contact. Each time something happens, write down
- ➡️ Date and time
- ➡️ How you were contacted for example call letter email
- ➡️ The phone number or address used
- ➡️ Name of the person who spoke to you if it was a call
- ➡️ A short summary of what was said, especially any threats or deadlines
Save every letter and notice you receive. Keep any emails in a separate folder. If you receive voicemails, save them and if possible back them up. Screenshots of your call history can also be useful later.
When you are on the phone, you can say something like this
You are calling about a debt. I would like to receive all the information in writing. I will review the letter and respond after I have had a chance to look at it.
You do not have to answer detailed questions, and you do not have to agree to a payment plan during that first call.
How To Dispute A Debt And Request Proof
If you do not recognize the debt, believe the amount is wrong, or think the claim is too old to enforce, you should send a written dispute and request for validation. This is one of the most powerful tools available to you.
In your letter to the firm, you should
- ➜ Clearly state that you dispute the debt in full or in part
- ➜ Request the name and address of the original creditor if that is different from the current one
- ➜ Ask for an itemized breakdown of the amount claimed
- ➜ Ask for copies of any documents that show you agreed to the account or received the services
Send this letter through a mail service that gives you tracking and confirmation. Keep a copy of the letter and the proof of delivery in a safe place.
After the firm receives your dispute, it should stop most collection efforts until it provides meaningful verification. That verification should be more than just a restatement of the balance. If the firm continues to send threats or demand money without providing proof, that behavior can support a claim that your rights have been violated.
How To Limit Harassing Calls
Even when a debt is valid, you can still set boundaries on communication. If calls from Clark C Kingery PA are causing stress or disrupting your life, you have several options.
You can tell the firm that your employer does not allow you to receive collection calls at work and that all calls to your workplace must stop. Once you have said this, further calls to that number can violate the Fair Debt Collection Practices Act.
You can also inform the firm that certain times are inconvenient and that you prefer to communicate in writing. Then follow up with a letter that repeats these instructions. Written records make it much easier to show that the firm knew your wishes and chose to ignore them.
If necessary, you can send a stronger letter stating that you want the firm to stop contacting you except for a few limited reasons that the law allows, such as notifying you of specific legal actions. Once this kind of letter has been received, continued calls and repeated demands can become separate violations each time they occur.
Meanwhile, consider letting unknown numbers go to voicemail and checking your messages later when you feel calmer. You are allowed to protect your mental health while you deal with this situation.
What To Do If You Are Sued
Because Clark C Kingery PA is a law firm, it has the ability to file lawsuits on behalf of creditors. If you receive a summons and complaint naming you as a defendant, that means a case has been filed. Court papers are very different from collection letters and must be taken seriously.
The summons will tell you how many days you have to respond. If you do nothing, the creditor can ask the court for a default judgment. With a judgment, the creditor may gain access to stronger collection tools such as wage attachment or levies on bank accounts, depending on the law in your state.
If you are sued, do not panic and do not ignore the papers. Instead
- 👉 Gather all letters, emails, and notes connected to the debt
- 👉 Obtain copies of your credit reports
- 👉 Make a list of anything about the debt that seems inaccurate
Then contact a consumer rights attorney as soon as possible. An attorney can review the complaint and any documents the creditor attaches, check whether the case is within the statute of limitation, and determine whether Clark C Kingery PA harassment or other violations should be raised as counterclaims.
Many collection lawsuits are built on weak documentation. When consumers defend themselves with the help of a lawyer, creditors are often forced to dismiss claims, settle for far less than the amount demanded, or correct their records.
How Consumer Rights Law Firm PLLC Can Help
Facing a collection law firm on your own can be intimidating. The attorneys and staff at Clark C Kingery PA work in this area every day and understand the legal system, while most consumers are encountering it for the first time. Having your own advocate can completely change that balance.
Consumer Rights Law Firm PLLC focuses on helping people who are being harassed by collectors or harmed by inaccurate credit reporting. The firm knows the rules that collection law offices must follow and how to enforce your rights when they do not.
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 logs, and credit reports to identify possible violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act
- ✔️ Explain your legal options in clear language so you can make informed decisions
- ✔️ Take over communication with the collection law firm so you no longer have to answer stressful calls
- ✔️ Send formal letters demanding that harassment stop and that any alleged debt be properly documented
- ✔️ Help you dispute incorrect credit entries and press for corrections or deletions
- ✔️ Defend you if a lawsuit has been filed and require the creditor to prove its case
- ✔️ Pursue money damages when a firm like Clark C Kingery PA has broken the law
Many consumer protection claims allow successful consumers to recover attorney fees from the collector or creditor. That means you may be able to stand up for your rights without paying large legal costs in advance.
🏆 Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“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 Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Frequently Asked Questions
1. Who is Clark C Kingery PA❓
Clark C Kingery PA is a debt collection law firm in Wilmington, Delaware that represents creditors, landlords, and businesses seeking to collect overdue accounts and past due balances from consumers.
2. Why is Clark C Kingery PA contacting me❓
They likely believe you owe a debt to one of their clients. This may be a medical bill, rental balance, credit account, or a judgment the creditor is trying to enforce.
3. Is Clark C Kingery PA allowed to sue me❓
Yes, they can file lawsuits on behalf of their clients, but they cannot threaten legal action unless they truly intend to take it and have the legal basis to do so.
4. What counts as harassment by a collection law firm❓
Harassment includes repeated calls, threats, profanity, false claims, contacting your workplace after you say not to, or refusing to send written proof of the debt.
5. Can I request debt validation from Clark C Kingery PA❓
Yes. Under federal law, you can demand written validation. Once requested, they must stop most collection efforts until they provide proper documentation.
6. Can Clark C Kingery PA report debts to credit bureaus❓
Yes, but the information must be accurate. If they report incorrect data or fail to correct errors after a dispute, it may violate the Fair Credit Reporting Act.
7. What should I do if I don’t recognize the debt❓
Send a written dispute and request validation. Do not agree to pay until you receive proof showing the amount, origin, and creditor.
8. Can Clark C Kingery PA contact me at work❓
Not if you tell them your employer does not allow collection calls. Continuing to call your workplace after notice can violate federal law.
9. How do I stop calls from Clark C Kingery PA❓
You can send a written cease-communication notice. After that, the firm must limit communication to only legally required notices.
10. Should I talk to a lawyer if Clark C Kingery PA contacts me❓
Yes. A consumer rights attorney can review your situation, stop illegal calls, dispute inaccurate reporting, and pursue damages if your rights were violated.
🎯 Conclusion
Being contacted by a collection law office like Clark C Kingery PA can be frightening, especially when the first communications are full of legal language and demands for immediate payment. It may feel as if the firm holds all the power and you have no choice but to do whatever it says.
In reality, federal law gives you strong protections. You can verify who is contacting you, demand written proof, dispute debts you do not recognize, control how you are contacted, challenge inaccurate credit reporting, and fight back in court when necessary. You also have the option to bring in Consumer Rights Law Firm PLLC to stand between you and the collector so that you do not have to navigate any of this alone.
You might not be able to change everything that has already happened, but you can absolutely insist that any collection activity from this point forward is fair, accurate, and respectful of your rights. That is the first step in ending harassment and reclaiming your peace of mind.
