Protecting Yourself from Law Offices of Stephen E. Ensberg
If Law Offices of Stephen E. Ensberg is contacting you about a debt, you must know your rights. Debt collectors must follow federal and state laws, and any violation could entitle you to compensation.
Contact Information for Law Offices of Stephen E. Ensberg
📍 Address: 1609 W. Garvey Ave N, West Covina, CA 91790
📞 Phone: (626) 813-3744
🌐 Website
🔎 BBB Profile
Understanding Debt Collector Harassment
Debt collectors sometimes use aggressive tactics to collect payments. Recognizing illegal behavior can help you stop harassment before it escalates.
Re-aged Debt: A Common Trick
➡️ What It Means: Collectors sometimes reset the clock on old debt to make it seem new.
➡️ Your Right: If a debt is too old to be sued over, collectors cannot legally restart the statute of limitations.
➡️ What to Do: Request written proof of the debt’s original date. Learn more here.
Unlawful Contact Methods
What’s Illegal? Debt collectors cannot:
- ✅ Call you before 8 AM or after 9 PM.
- ✅ Call your employer if you tell them not to.
- ✅ Use social media to harass you.
📨 How to Respond: Send a cease-and-desist letter demanding they stop. Find out your options here.
Signs You’re Dealing with a Debt Collection Scam
Scammers often pose as law firms to pressure consumers into paying fake debts. Watch for these warning signs:
➤ They demand immediate payment via wire transfer or gift cards – Legitimate agencies won’t request these payment methods.
➤ They refuse to send written proof of the debt – The law requires them to provide verification.
➤ They threaten you with arrest or lawsuits – Debt is a civil matter, not a criminal offense.
If you suspect a scam, report it immediately and avoid making payments without verification. Learn how to protect yourself here.
How to Handle Aggressive Debt Collectors
👉 Request a validation letter – Collectors must prove you owe the debt.
👉 Communicate in writing – Always keep written records for legal protection.
👉 Check the statute of limitations – If the debt is too old, you may not have to pay it.
👉 Consult a consumer rights attorney – A lawyer can stop harassment and fight for compensation.
Get Legal Help from Consumer Rights Law Firm PLLC
If Law Offices of Stephen E. Ensberg is using aggressive debt collection tactics, you have legal options.
📞 Call 877-700-5790 today
💻 Request a Free Consultation
Don’t let debt collectors take advantage of you—fight back today!
Disclaimer: This content is for informational purposes only and does not constitute legal advice.