If you are receiving collection calls using the name Collection Specialists Inc, do not assume every online phone number, complaint, address, or lawsuit belongs to the company contacting you.
More than one collection business has used the Collection Specialists name. BBB lists Collection Specialists, Incorporated in Exton, Pennsylvania, while a separate Collection Specialists, Inc. in Anderson, Indiana is currently marked by BBB as out of business known or suspected. Pennsylvania Collection Specialists BBB profile Indiana Collection Specialists BBB profile
That distinction matters before you pay, dispute an account, or send a request concerning future calls. Match the caller to the account first, then document what happens if the calls continue.
Why Is Collection Specialists Inc Calling Me?
Collection Specialists may be calling about an account placed for collection, but the name alone does not establish which Collection Specialists company or account is involved.
The Exton, Pennsylvania business is listed by BBB as a collections agency at 335 Gordon Dr, Exton, PA 19341-1201, with 610-524-1455 as its listed phone number. BBB also identifies Collection Recovery Specialists as an alternate name.
A different Anderson, Indiana Collection Specialists historically collected consumer debts. An Indiana Court of Appeals decision documented that company’s collection of an assigned dental balance, including a validation letter and later small-claims litigation. The case establishes historical collection activity, not phone harassment. Indiana Court of Appeals decision in Hitchens v. Collection Specialists, Inc.
Your own collection records should therefore determine why the present calls are occurring.
How Can I Verify Which Collection Specialists Company Is Calling?
You can identify the caller by comparing what the representative provides with the written collection notice and your creditor records.
Check:
- the exact number calling you;
- the full company name;
- the mailing address;
- the original creditor;
- the current creditor, if different;
- the account or reference number;
- the amount claimed;
- the callback number;
- any payment website or instructions;
- the information in the validation notice.
If your caller ID shows 610-524-1605, do not assume it is the same number shown on the Exton company’s BBB profile. BBB lists 610-524-1455. Match the caller to written account information before sending money or sensitive information.
One of the first questions an attorney would ask is whether the caller, written notice, creditor, and payment destination all point to the same entity. A mismatch can change who should receive a dispute or communication request.
What Can I Do If Collection Specialists Keeps Calling?
If the caller is confirmed as a debt collector covered by the Fair Debt Collection Practices Act, several communication rules may become relevant depending on the facts.
You can document each call and tell the collector if particular times or places are inconvenient. If workplace calls are prohibited or inconvenient, communicate that clearly and preserve a record of the request.
You may also send a written request asking a covered debt collector to stop communicating. Federal law generally limits further communications after a qualifying written cease request, subject to specific exceptions. The request does not erase the debt or prevent otherwise lawful collection remedies. 15 U.S.C. § 1692c communication restrictions
Keep a copy of anything you send and proof showing when it was delivered.
What Should I Document About Collection Specialists Calls?
A detailed timeline can show far more than a general statement that the company called repeatedly.
Preserve:
- screenshots of your call history;
- caller ID numbers;
- dates and exact times;
- call duration;
- representative names or extensions;
- voicemail recordings and transcripts;
- letters, emails, or text messages;
- validation notices;
- dispute correspondence;
- written communication requests;
- proof those requests were delivered.
If a relative, employer, coworker, or another person receives a call, ask that person to preserve the number, voicemail, message, and what was actually said.
In our practice, chronology often matters as much as call volume. Calls made before a request, calls made after the collector received it, and calls following an actual telephone conversation may raise different questions.
Account records establish what obligation is involved. Communication records establish what happened during collection.
When Can Collection Specialists Calls Raise Legal Concerns?
Calls may raise legal concerns when a verified third-party debt collector repeatedly contacts a consumer in a manner prohibited by federal collection law, uses restricted communication methods, improperly contacts third parties, or makes false or misleading representations.
Regulation F contains call-frequency presumptions for a particular debt. More than seven calls within seven consecutive days can create a presumption of a violation, as can placing another call within seven days after a telephone conversation about that debt. The complete circumstances still matter. CFPB Regulation F call-frequency rules
The FDCPA separately prohibits repeatedly causing a telephone to ring with intent to annoy, abuse, or harass. 15 U.S.C. § 1692d
These rules should be tied to the actual collector. Do not assume every business using the Collection Specialists name has the same legal status or made the calls appearing in someone else’s complaint history.
What If Collection Specialists Calls My Family or Workplace?
A covered debt collector generally has limited authority to contact other people about your debt.
Federal law permits certain contacts to obtain location information, but that does not generally permit disclosure of the debt to relatives, coworkers, neighbors, or employers. What matters is who was contacted, why the contact occurred, what the caller said, and whether further calls followed.
If another person receives a call, preserve that person’s call log, voicemail, written message, and recollection of the conversation. Those records may help distinguish a permitted location inquiry from a communication that disclosed information about the debt.
What If the Account, Balance, Payment, or Credit Reporting Is Wrong?
An incorrect balance and unwanted collection calls may arise from the same account, but they require different evidence and may involve different actors.
| Problem | What To Check |
| Account identity | Creditor name, account number, validation notice |
| Balance | Statements, itemization, fees, credits |
| Prior payment | Receipts, bank records, payment history |
| Settlement | Written settlement terms and remaining balance |
| Credit reporting | Current credit report and exact furnisher name |
If Collection Specialists appears on a credit report, identify the exact furnisher, meaning the company supplying that information to the credit bureau. Do not assume the company making collection calls is automatically the furnisher.
Likewise, disputing an account with a collector does not automatically resolve a separate credit-reporting dispute.
When Should I Consider Legal Help With Collection Specialists Calls?
Legal review may be useful when the caller’s identity remains unclear, calls continue after documented communication requests, third parties receive calls, or the call history conflicts with account or payment records.
Consumer Rights Law Firm PLLC may review caller identity, call logs, voicemails, collection notices, disputes, payment records, and communication requests to determine which actor was involved and which collection rules may apply.
Those records can help establish not only that calls occurred, but also what the collector knew, when it received a request or dispute, and what happened afterward.
| Item | Details |
| Phone | +1 (877) 700-5790 |
| help@consumerlawfirmcenter.com | |
| Website | consumerlawfirmcenter.com |
| Address | 133 Main Street, Second Floor, North Andover, MA 01845 |
| Fax | 844-636-9909 |
| Better Business Bureau | Consumer Rights Law Firm PLLC BBB Profile |
Success Stories
Words can’t express how incredibly grateful we are for the work that Consumer Rights Law Firm did for us. It was a case of stolen identity that had turned into a 2 year nightmare. Our contact Scott was very supportive and went to bat for us without asking for a dime. In less than 6 months they were able to get fraudulent credit card charges dropped and get our credit restored. I would HIGHLY recommend them to anyone facing similar circumstances. Reach out to them now. You won’t regret it.
This company really helped so much. They never asked me for any money out of pocket. I paid nothing! They were so nice and helpful. The firm called me personally assured me they would handle everything at no cost to me. They communicated every step of the way and were always available for any questions I had. I will recommend them to anyone
I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!
Frequently Asked Questions
What If Collection Specialists Is Calling the Wrong Person?
Tell the caller that the person it is seeking is not you and preserve any later calls. Keep screenshots, voicemails, dates, and caller numbers so there is a clear record if the calls continue after you identified the mistake.
Can Collection Specialists Still Contact Me After I Dispute the Debt?
It depends on the type and timing of the dispute and whether the caller is a covered debt collector. A timely written dispute under the FDCPA may require verification before collection of the disputed debt continues.
What If I Already Paid or Settled the Account?
Keep the receipt, bank record, settlement agreement, and any confirmation from the creditor or collector. Compare those records with the balance now being demanded because continued collection may result from a payment or settlement that was not correctly reflected in later account records.
