If you have started getting calls or letters from Clear Receivable Systems, you are probably feeling worried, confused, or even scared. Maybe they say you owe a medical bill you barely remember, a utility balance from a previous address, or some other account that has gone unpaid. You may not even recognize the creditor they mention, yet they push you to pay right away.
Many people in your position go online and search for phrases like Clear Receivable Systems harassment or their debt collection to figure out whether what is happening is legal and what they can do about it. Some just want to confirm that this is a real company by looking up an address or official phone number before sending money.
The good news is that you have strong rights under federal law. Even if a debt is real, collectors cannot threaten, mislead, or bully you. This guide explains who CRS is, why they might be contacting you, how to recognize harassment, and what steps you can take to protect yourself and your family. You will also see how Consumer Rights Law Firm PLLC can help stop the calls and hold the agency accountable if it breaks the law.
Who Clear Receivable Systems Is
Business directories list Clear Receivable Systems LLC as a small collection agency located at 6168 Mark Circle, Bensalem, Pennsylvania, in Bucks County. The company is described as operating in the collection agency industry, with only a few employees and modest annual revenue. The phone number associated with the agency in these listings is (215) 750 1292.
CRS is classified as an adjustment and collection services company. That means it is not a bank, lender, or medical provider. Instead, it works for other businesses that want help collecting overdue accounts. Those businesses may be
- 👉 Hospitals and doctors
- 👉 Dental practices
- 👉 Utility and service providers
- 👉 Local businesses that offer services on credit
- 👉 Other creditors that have given up on direct collection
When they contact you, it is almost always because some creditor has asked this agency to collect money that they believe you owe.
Why Clear Receivable Systems Might Be Contacting You
By the time CRS gets involved, several things have usually already happened behind the scenes. The original creditor has billed you, sent reminders, and decided to send the account out for collection. In some cases, the account has even been sold to a debt buyer before ending up with this agency.
Common situations that can lead to contact from Clear Receivable Systems include:
- ➡️ A medical or dental bill that remained after your insurance processed its part
- ➡️ A separate lab, imaging, or specialist bill that you did not realize was separate from the main visit
- ➡️ A utility or telecom bill with a final balance after you moved or changed providers
- ➡️ A small business invoice that slipped through during a stressful life event such as job loss or illness
- ➡️ An account that was placed with earlier collection agencies and is now being handled by this one
Because accounts are passed between different companies, there is plenty of room for mistakes. Balances can be miscalculated, fees can be added incorrectly, and in some cases the wrong person can be targeted. That is why you should never assume that every word a collector says is automatically correct. CRS must still prove what it claims and must follow the law while it collects.
Is Clear Receivable Systems Legitimate Or A Scam
This appears in multiple business databases as a registered collection agency operating in Bensalem, Pennsylvania, with a specific street address and contact number. That shows it is a real company, not just a made up name used by random scammers.
However, two important points follow from that
- ✅ A legitimate agency can still break the law and engage in abusive or unfair tactics
- ✅ Scammers sometimes pretend to be real agencies, including this, to sound more convincing
So you should treat every call as unverified until you check it. When someone claims to be from CRS, you can ask them for
- ➤ The complete company name
- ➤ The mailing address they use
- ➤ The Clear Receivable Systems phone number where you can reach them
- ➤ The name of the original creditor
- ➤ A general description of the debt and when it was incurred
Write it all down. Then explain that you prefer to receive details in writing and end the call politely. Later, compare the address and phone number with business listings and any letters you get. If the details do not match or if the caller refused to provide basic information, treat the contact as suspicious and do not share personal or financial data.
Even when the contact is genuine, you still have every right to question the accuracy of the debt and to ask for proof before paying.
What Clear Receivable Systems Harassment Looks Like
Not every call or letter from a collection agency is harassment. Collectors are allowed to request payment on valid debts and to inform you of possible consequences if you never pay. Clear Receivable Systems harassment starts when the agency or its representatives cross the line and use tactics that are abusive, deceptive, or unreasonable.
Examples of behavior that may qualify as this company harassment include
- ✔️ Repeated calls throughout the day, sometimes back to back
- ✔️ Calls very early in the morning or late in the evening in your time zone
- ✔️ Calls to your workplace after you have clearly told them that your employer does not allow personal collection calls
- ✔️ Use of a rude or shaming tone, treating you like a bad person rather than a person with a financial problem
- ✔️ Threats of lawsuits, wage garnishment, or legal trouble stated in a vague or exaggerated way
- ✔️ Refusal to send written details or to answer simple questions about the account
- ✔️ Pressure to make a payment immediately during the very first call
Even if one conversation feels uncomfortable, that alone may not prove a violation. But when these kinds of actions happen over and over, they can absolutely cross the line into illegal Clear Receivable Systems harassment. That is where federal law comes in.
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 regulates what third party debt collectors can and cannot do. It applies to Clear Receivable Systems whenever it collects personal or household debts, such as medical bills, utilities, or consumer accounts.
Under the FDCPA, a collector like CRS is not allowed to
- ➜ Call you before eight in the morning or after nine at night in your local time
- ➜ Contact you at times or places that they know are especially inconvenient
- ➜ Call repeatedly with the effect of harassing, abusing, or annoying you
- ➜ Use profanity, insults, or threats of violence
- ➜ Misrepresent the amount you owe or invent extra fees that are not allowed
- ➜ Claim to be a lawyer, court officer, or government agent when this is not true
- ➜ Threaten arrest or criminal charges for not paying a civil debt
- ➜ Tell most third parties, such as neighbors, coworkers, or extended family, that you owe a debt
The FDCPA also gives you important written rights. Within a short time after first contacting you, CRS must send a written notice that includes
- The amount of the debt
- The name of the current creditor
- A statement that you have the right to dispute the debt in writing
- A description of how to request verification
If you send a written dispute within the deadline, the agency must stop most collection efforts until it sends you verification.
If Clear Receivable Systems ignores your dispute, keeps calling, or continues demanding payment without proper validation, that conduct can form the basis of a legal claim under the FDCPA.
If a court finds that your rights were violated, you may be entitled to statutory damages, compensation for actual harm, and recovery of attorney fees.
Your Rights Under The Fair Credit Reporting Act
Collection activity often appears on your credit reports. If an account connected to Clear Receivable Systems shows up on your report from any of the major credit bureaus, the Fair Credit Reporting Act becomes very important.
The FCRA requires that
- ✅ Information about you be accurate and complete
- ✅ Negative entries such as collections be removed after certain time limits
- ✅ Companies that report information respond properly when you file a dispute
- ✅ Data that cannot be verified after a dispute be corrected or deleted
If you see a Clear Receivable Systems collection entry that seems wrong in any way the amount, the dates, or even the fact that it appears at all you can dispute it with each credit bureau. In your dispute letter, explain clearly what is inaccurate and include copies of any supporting documents. It can also help to send a copy of your dispute to the agency and to the creditor.
If, after an investigation, the collector continues to furnish inaccurate information and that incorrect reporting harms you, you may have a claim for damages under the FCRA as well as the FDCPA.
How To Respond When They Contact You
The first time you hear from Clear Receivable Systems, it can be tempting to react out of fear. Instead, your goal should be to stay calm, gather information, and protect your position.
Start by creating a simple record. Every time you receive a call, letter, text, or email, write down
- 👉 The date and time
- 👉 The Clear Receivable Systems phone number or sender information
- 👉 The name of the person who contacted you
- 👉 A short summary of what they said, especially any threats, deadlines, or offers
Save all letters and notices from the agency. Keep emails in a separate folder. If you receive voice messages, save them and consider storing backups. Screenshots of your call history can also be useful later.
On the phone, you can use a calm script such as
I understand you are calling about a debt. I would like all the information in writing so I can review it. I will respond after I receive the letter.
You do not have to answer detailed questions on the spot, and you do not have to set up a payment plan during that first stressful call.
How To Dispute A Debt And Request Validation
If anything about the claimed debt seems wrong or unclear, you should use your right to dispute it and demand proof. This is one of the most powerful tools you have when dealing with Clear Receivable Systems debt collection.
In your dispute letter, you can
- ✔️ State clearly that you dispute the debt in full or in part
- ✔️ Ask for the name and address of the original creditor if different
- ✔️ Request an itemized breakdown showing principal, interest, and any fees
- ✔️ Ask for copies of any documents that show you are legally responsible for the account
Send your letter using a mailing method that gives you tracking and confirmation of delivery. Keep copies of everything you send and the postal receipt.
After they receive your dispute, it should pause most collection efforts until it sends you meaningful validation. That usually means more than just a summary line; you are entitled to enough information to understand and check the claim. If the agency keeps calling, sending demands, or threatening action without providing proof, those actions can support an argument that Clear Receivable Systems harassment is happening.
During this period, avoid making small payments on very old accounts without legal advice. In some states, even a small payment can revive an otherwise time barred debt.
How To Reduce Or Stop Harassing Calls
Even when a debt is real, you have a right to reasonable communication. If Clear Receivable Systems is calling so often that it disrupts your life, or is calling your workplace or other numbers in a way that feels abusive, you can and should set firm boundaries.
You can tell the agency that your employer does not allow personal collection calls at work and that all calls to your workplace must stop. Once you have said this, further calls to that number may violate the FDCPA.
You can also state that certain times are not convenient and that you prefer to communicate in writing. Follow up by putting these requests into a letter. Written evidence is very helpful if you later need to show that CRS knew your wishes and chose to ignore them.
If things are truly overwhelming, you can send a stronger letter asking the agency to stop most direct communication altogether. After such a request, the company is generally limited to a few specific types of contact, such as written notices about particular legal actions. Continued calls and aggressive demands after that point may count as separate violations each time they happen.
Meanwhile, you can let unknown numbers go to voicemail and listen later when you feel calmer. Protecting your mental health is not only allowed; it is wise.
What To Do If Clear Receivable Systems Mentions Court Or Legal Action
Collectors often mention court, lawsuits, or judgments as part of their collection efforts. Clear Receivable Systems is allowed to explain that a creditor can sue you to collect a valid debt and that a judgment can have serious consequences, depending on your state.
However, the agency is not allowed to
- ➥ Threaten lawsuits it has no real intention of filing
- ➥ Pretend that legal action has been taken when it has not
- ➥ Suggest that you will be arrested over a civil debt
- ➥ Mislead you about what a lawsuit or judgment actually means
If you receive real court papers, such as a summons and complaint with your name on them, you should treat them very seriously. Court documents are not the same as collection letters. If you ignore them, the creditor may win a default judgment and gain access to stronger collection tools.
If that happens, gather all your documents and contact a consumer rights lawyer quickly. An attorney can check whether the case is valid, whether it is within the statute of limitation, and whether your experience with Clear Receivable Systems debt collection gives you counterclaims you can raise in response.
How Consumer Rights Law Firm PLLC Can Help
Facing a collection agency can feel like stepping into a game where everyone else already knows the rules. This company deals with consumers every day, and its representatives understand the debt collection process. Most consumers are dealing with this for the first time and are under stress. Having your own legal team can change the situation completely.
Consumer Rights Law Firm PLLC focuses on helping people who are experiencing debt collection harassment and unfair credit reporting. The firm is familiar with Clear Receivable Systems and many other agencies and knows how to use the FDCPA and the FCRA to protect consumers.
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 for signs of legal violations
- ✅ Explain your rights and options in clear language
- ✅ Communicate directly with CRS so you are not forced to handle every call
- ✅ Send formal demands that harassment stop and that any claimed debt be properly documented
- ✅ Help you dispute inaccurate credit reporting and push for corrections or deletions
- ✅ Defend you in court if a lawsuit has been filed and require the creditor to prove its case
- ✅ Pursue money damages when Clear Receivable Systems harassment or inaccurate reporting has caused you harm
Because many consumer protection laws allow successful consumers to recover attorney fees from the collector, you may be able to get strong legal representation without paying large fees up front.
🏆 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
Here are some short questions and answers you can include at the end of your content. Each answer stays under about two hundred fifty characters.
Is Clear Receivable Systems a real company❓
Yes. It is a small debt collection agency in Bensalem, Pennsylvania, that collects overdue accounts for other businesses and medical providers.
Why is CRS contacting me?
They believe you owe money to a creditor that has turned your account over for collection. This may be a medical bill, utility balance, or other consumer debt.
Can Clear Receivable Systems harass me with constant calls❓
No. Repeated calls, calls at odd hours, or calls that are clearly meant to pressure or intimidate you can violate the Fair Debt Collection Practices Act.
Can I demand proof of the debt from CRS❓
Yes. You can send a written dispute and request validation. They must pause most collection efforts until they provide proper documentation.
Can Clear Receivable Systems report me to credit bureaus❓
They can, but any credit reporting must be accurate. You have the right to dispute errors under the Fair Credit Reporting Act and demand correction.
What should I do if I do not recognize the debt❓
Ask for written details, then send a written dispute. Do not pay until you receive clear proof that the debt is yours and that the amount is correct.
Can CRS call me at work❓
They cannot keep calling your workplace if you tell them your employer does not allow such calls. Continuing to do so may violate federal law.
What if Clear Receivable Systems threatens to sue me❓
They may explain that legal action is possible, but they cannot threaten lawsuits if they do not seriously intend to file or mislead you about legal consequences.
How can I stop calls from Clear Receivable Systems❓
You can send a written request asking them to stop most communication. After that, they must limit contact to only certain legally allowed notices.
Should I talk to a lawyer about CRS harassment❓
Yes. A consumer rights lawyer can evaluate your case, stop illegal contact, dispute incorrect reporting, and pursue damages if your rights were violated.
🎯 Conclusion
Hearing from Clear Receivable Systems can be stressful, especially if you do not recognize the debt or feel you are being pushed around. Remember that you are not powerless. By documenting every contact, insisting on written information, using your rights under the FDCPA and the FCRA, and reaching out to Consumer Rights Law Firm PLLC when you need support, you can regain control of the situation.
You may not be able to change the past that led to the debt, but you can absolutely insist that any collection activity today is fair, truthful, and lawful. That is the key to stopping Clear Receivable Systems harassment and protecting both your credit and your peace of mind.
