Law Offices of Pamela Abbott Moore: Understanding Re-Aged Debt and Debt Collection Calls
If Law Offices of Pamela Abbott Moore has contacted you regarding an outstanding debt, you must understand your rights before making any payments. Debt collectors sometimes re-age debts to make them appear more recent, and they may use persistent phone calls to pressure consumers into paying. Knowing how to handle these situations can protect your financial well-being.
🔄 Re-Aged Debt: A Hidden Debt Collection Tactic
Debt collectors sometimes change the date of last activity on a debt, making it look newer than it actually is. This is illegal under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).
📅 What Is Re-Aging? – Debt collectors may reset the clock on an old debt to extend its statute of limitations, making it seem like you’re legally obligated to pay.
⚠️ Check Your Credit Report – If you notice a sudden update to an old debt, request a debt validation letter from the collector. Here’s how to fight a collection agency.
🚫 Do Not Restart the Clock – Making a partial payment or even acknowledging the debt in writing can restart the statute of limitations, giving collectors more time to sue you.
📄 Dispute Re-Aged Debt – If a collector has re-aged a debt, file a dispute with the credit bureaus and request proof of the correct date of last activity.
📞 Dealing with Persistent Debt Collection Calls
Debt collectors use aggressive phone tactics to pressure consumers into making payments. However, you have the right to control how and when they contact you.
📵 Stop Harassing Calls – You can request that a collector only communicate with you in writing by sending a cease and desist letter. Can debt collectors call you at work?
Know What They Can and Can’t Say – Collectors cannot threaten you with jail time, use obscene language, or call excessively. Learn if debt collectors can swear at you.
⏳ Time Restrictions Apply – Collectors cannot call before 8 AM or after 9 PM unless you give them permission.
🚨 Record Calls If Necessary – Some states allow you to record conversations as evidence of harassment or misleading statements.
📍 Contact Information for Law Offices of Pamela Abbott Moore
📍 Address: 23 Corporate Plaza Dr, Suite 150, Newport Beach, CA 92660
📞 Phone: (949) 759-0200
🔎 BBB Profile
📢 Protect Yourself Against Debt Collection Violations
If Pamela Abbott Moore harasses you or collects re-aged debt, act now. Call 877-700-5790 or contact us online for help.