Kearns Brinen & Monaghan Phone Harassment?
Is Kearns Brinen & Monaghan (KBM) calling you? Stop Kearns Brinen & Monaghan phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. You have the legal right under federal law to stop KBM phone harassment. The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive and unfair debt collection practices. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Introduction to Debt Collection
Debt collection is a vital process for businesses and individuals seeking to recover money owed to them. When a debt remains unpaid, a debt collection agency or collection agent may step in to help collect debts and manage outstanding debts. Agencies like Kearns Brinen & Monaghan specialize in navigating the complex process of debt collection, using proven debt collection strategies to recover money owed while adhering to legal standards. Whether you are a business trying to recover funds or a consumer facing collection efforts, understanding how the collection process works can help you protect your rights and respond appropriately. The goal of any reputable collection agency is to collect debts in a fair and lawful manner, ensuring that both the agency and the consumer are treated with respect throughout the process.
Overview of Debt Collection Practices
Debt collection practices can differ based on the type of debt and the collection agency involved. Commercial collection agencies, such as Kearns Brinen & Monaghan, focus on collecting debts owed by businesses, while other agencies may specialize in consumer debt collection from individuals. Common debt collection practices include sending collection letters, making phone calls to debtors, and reporting unpaid debts to credit bureaus. The Fair Debt Collection Practices Act (FDCPA) sets clear guidelines for collection agencies, prohibiting unfair practices like harassment calls, threatening language, and false statements. By following fair debt collection practices, agencies help ensure that the process of collecting debts remains professional and respectful, while also protecting consumers from abusive tactics. If you believe a collection agency is using unfair practices, it’s important to know your rights and seek assistance.
Is Kearns Brinen & Monaghan a Scam?
According to the Better Business Bureau website, Kearns Brinen & Monaghan has been in business for 14 years. There have been 2 complaints filed against KBM with the BBB. Companies in the debt collection industry, such as Kearns, Brinen & Monaghan Inc., are evaluated based on their reputation, compliance with industry standards, and participation in certification programs, which helps ensure effective and trustworthy debt recovery services.
Who is Kearns Brinen & Monaghan?
Kearns Brinen & Monaghan is third-party debt collector located in Dover, Delaware.
Address: 20 East Division Street, 2nd Floor Dover, DE 19901 Phone: (302) 736-6481
Kearns Brinen & Monaghan offers a comprehensive range of legal services and debt collection services, providing clients with tailored solutions for recovering outstanding debts.
Kearns Brinen & Monaghan Collection Tactics
As a commercial collection agency, Kearns Brinen & Monaghan employs a variety of tactics to collect debts on behalf of their clients. These tactics may include sending demand letters to notify debtors of money owed, making phone calls to discuss payment options, and reporting unpaid debts to credit bureaus, which can impact a debtor’s credit score. In some cases, Kearns Brinen & Monaghan may utilize artificial intelligence to assess a debtor’s financial situation and create tailored payment plans that fit individual circumstances. While these strategies are designed to maximize recovery for their clients, it is crucial for consumers to remain vigilant and recognize the signs of unfair practices, such as harassment calls or false statements. Understanding your rights can help you respond effectively and ensure that any collection efforts remain within the bounds of the law.
Kearns Brinen & Monaghan Collection Harassment
If Kearns Brinen & Monaghan engages in any of the following tactics, you may have a case:
- ➡️ Using profanity or abusive language
- ➡️ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➡️ Calling you multiple times per week
- ➡️ Calling your workplace
- ➡️ Sending repeated text messages
- ➡️ Contacting you from blocked numbers or after you have requested communication to stop
- ➡️ Threatening to sue you, harm you, or destroy your credit
- ➡️ Telling you or anyone else that you’ve committed a crime
- ➡️ Calling repeatedly for the wrong person
- ➡️ Failing to notify you of your right to dispute the debt
- ➡️ Trying to collect more than legally allowed
Kearns Brinen & Monaghan Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📱 302-736-6481
- 📱 877-698-5200
- 📱 (302) 736-6481
- 📱 (877) 698-5200
- 📱 3027366481
- 📱 8776985200
If the answer is yes, then you are receiving calls from a known KBM number. You may be a victim of KBM phone harassment. The list above is not all the numbers that KBM uses. The calls can be from different numbers and it still be Kearns Brinen & Monaghan calling you. Contact our office right away so we can start the process to stop KBM from calling you illegally. Above all, no one should live with harassment!
In some cases, unresolved debts may result in actions such as wage or bank account garnishment.
The following is a sample list of complaints filed against Kearns Brinen & Monaghan in the past and can be found on Pacer.gov.
- 📋 1:15-cv-00176-GMS Perez v.
Consumer Rights and Debt Collection Practices
Consumers are entitled to fair treatment throughout the debt collection process. The FDCPA protects consumers from unfair practices by debt collectors, including the use of abusive language, making threatening statements, or contacting family members about the debt. Debt collectors must respect your rights, allowing you to dispute debts, request verification, and negotiate payment plans if needed. If you feel that a debt collector is violating your rights or engaging in unfair practices, you have the option to consult with attorneys or reach out to consumer protection agencies for support. Knowing your rights and the proper steps to take can help you navigate the debt collection process with confidence and protect your personal and financial well-being.
Collection Agencies and Credit Reporting
Collection agencies, including Kearns Brinen & Monaghan, often report unpaid debts to credit bureaus, which can have a significant impact on your credit score and financial future. However, consumers have the right to dispute any errors on their credit reports and to request that collection agencies verify the debt before it is reported. The Fair Credit Reporting Act (FCRA) governs credit reporting practices, ensuring that all information provided to credit bureaus is accurate and up-to-date. By staying informed about your rights and the debt collection process, you can take steps to protect your credit, address any inaccuracies, and maintain your financial health. If you notice incorrect information on your credit report, act quickly to dispute it and ensure your credit history remains accurate.
About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Kearns Brinen & Monaghan harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Kearns Brinen & Monaghan. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
⭐⭐⭐⭐ “Professional & Compassionate”
“The team guided me through the FDCPA dispute process, explaining my rights. They helped me file a formal complaint with the CFPB and my state AG, resulting in debt collection calls stopping within days.
⭐⭐⭐⭐⭐ “Protection from Harassment”
“Consumer Rights Law Firm PLLC provided expert representation against relentless debt collectors. After receiving daily robocalls and threatening messages, they sent a strong cease-and-desist letter and filed a complaint, which completely halted the calls.”
⭐⭐⭐⭐⭐ “Stopped Robocalls Immediately”
“I was being bombarded with automated calls from a debt buyer claiming I owed money I never borrowed. The firm sent verification requests and follow‑up letters. Within a week, the calls stopped altogether.”
⭐⭐⭐⭐ “Thorough Legal Support”
“I couldn’t handle the stress of being repeatedly contacted at work and at home. Consumer Rights Law Firm PLLC filed a lawsuit under the FDCPA, and the harassment ceased. They also recovered damages for emotional distress.”
FAQs
Who is Kearns Brinen & Monaghan and why are they calling me?
Kearns Brinen & Monaghan is a third-party commercial debt collection agency. If they are contacting you, they likely believe you owe a business-related or commercial debt.
Are calls from Kearns Brinen & Monaghan legal?
Yes, debt collectors are allowed to contact you to collect a legitimate debt. However, they must follow federal laws such as the FDCPA and cannot use harassment, deception, or unfair practices.
What should I do if Kearns Brinen & Monaghan is harassing me?
You should keep detailed records of all calls, including dates, times, and caller information. Sending a written cease-and-desist letter and filing complaints with the CFPB or FTC are also appropriate steps if harassment continues.
Can I request Kearns Brinen & Monaghan to validate the debt?
Yes. Federal law allows you to request written verification of the debt within 30 days of their first contact to confirm the debt is accurate and legitimate.
Can Kearns Brinen & Monaghan call my family or workplace?
No. The FDCPA generally prohibits contacting third parties about your debt and restricts calls to your workplace once you inform them that such calls are not allowed.
Do Kearns Brinen & Monaghan robocall or spoof numbers?
Some consumers report receiving robocalls or calls from spoofed numbers. Unauthorized robocalls or misleading caller ID practices may violate the TCPA.
Can Kearns Brinen & Monaghan affect my credit report?
Yes. They may report delinquent commercial debts to credit agencies, which can negatively affect your credit profile if the information is inaccurate or unresolved.
How can I make Kearns Brinen & Monaghan stop contacting me by phone?
You can send a written cease-and-desist letter by certified mail. Once received, they must stop calling you, although other lawful collection actions may continue.
Can I sue Kearns Brinen & Monaghan for harassment?
Yes. If they violate the FDCPA or TCPA through harassment, threats, or unauthorized calls, you may be entitled to sue for damages, attorney’s fees, and court costs.
What are my rights under the FDCPA when dealing with Kearns Brinen & Monaghan?
You have the right to debt validation, protection from abusive conduct, limits on call times, privacy from third-party disclosure, and the ability to report or sue for violations.
