Marcam Associates Debt Collection Harassment❓ Stop the Calls❗
Tired of Marcam Associates Debt Collection Harassment? Wish there was a way to make the calls stop? Is Marcam Associates constantly calling and harassing you? Does your phone ring every day, several times per day, because Marcam is calling you to demand payment? Threatening you with legal action? Has Marcam Associates Rochester NH ever used abusive or profane language when speaking with you on the phone? If so, Marcam may be violating your legal rights. Stop the harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs. If you can demonstrate that your rights were violated by Marcam Associates, you may be eligible for compensation under the FDCPA.
Is Marcam Associates a scam?
According to the Better Business Bureau website, Marcam and Associates has been in business since 1983, and like many businesses, it has had a few complaints filed against it. There have been 4 Marcam Associates complaints closed in the last 3 years and 2 complaints closed out in the last 12 months.
What is Marcam Associates Collection Agency?
Marcam Associates collection agency is third party debt collector located in Rochester, New Hampshire.
Marcam and Associates offers a range of services to assist healthcare companies and hospitals in recovering outstanding debts.
🏛️ Marcam and Associates Address: PO Box 60 Rochester, NH 03866-0060
📞 Phone: (800) 638-1005
🖨️ Fax: (603) 692-3348
Marcam Associates is often referred to or searched for by other names. These include:
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Marcam Associates Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- 📲 800-638-1005
- 📲 603-692-1700
If so, you may be a victim of Marcam Associates debt collection harassment. The list above is not all the numbers that they uses. Also, calls can be from a different numbers and it still be Marcam Associate calling you. Contact our office right away so we can start the process to stop Marcam and Associates from calling you illegally. Above all, no one should live with harassment.
Why is Marcam Associates calling me?
Marcam Associates is a debt collection agency that specializes in collecting medical debts on behalf of healthcare companies and hospitals. If you’re receiving calls from Marcam and Associates, it’s likely because you have an outstanding medical debt that has been sent to them for collection. The agency may be trying to contact you to discuss payment options or to provide information about the debt.
As a debt collector, Marcam and Associates is responsible for following the rules and regulations outlined in the Fair Debt Collection Practices Act (FDCPA). This means that they must:
- ➡️ Identify themselves as a debt collector and provide their company name and address.
- ➡️ Inform you of the amount of the debt and the name of the creditor.
- ➡️ Provide you with a written notice of the debt within five days of their initial contact.
- ➡️ Not harass or abuse you, or make false statements about the debt.
- ➡️ Not threaten to take action that they are not legally allowed to take.
If you’re receiving calls from Marcam Associates collection agency, it’s essential to verify the debt and ensure that it’s legitimate. You can do this by asking the agency to provide you with a written notice of the debt, which should include the following information:
- ▶️ The amount of the debt.
- ▶️ The name of the creditor.
- ▶️ A description of the debt.
- ▶️ The date the debt was incurred.
- ▶️ The name and address of the agency.
Once you’ve verified the debt, you can discuss payment options with Marcam Associates. It’s crucial to be aware of your rights as a consumer and to ensure that you’re not being taken advantage of.
Marcam Associates Debt Collection Harassment Tactics
If Marcam and Associates engages in any of the following tactics, you may have a case:
- ➤ Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
- ➤ Talking to others about your debt
- ➤ Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
- ➤ Use any profane language or any language that is harassing and abusive
- ➤ Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
- ➤ Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment
- ➤ Threaten arrest or criminal prosecution
- ➤ Send false information to the credit bureaus
- ➤ Cause a telephone to ring an unreasonable amount of times
If Marcam Associates makes any false claim about the debt, you have the right to dispute it and demand verification.
Marcam Associates Reviews
📋The following is a sample list of complaints filed against Marcam Associates, Inc. and can be found on Pacer.gov.
Filing a Complaint
If you believe that Marcam Associates has violated the FDCPA or has engaged in unfair or deceptive practices, you can file a complaint with the following agencies:
- ➢ Federal Trade Commission (FTC)
- ➢ (CFPB)
- ➢ Better Business Bureau (BBB)
- ➢ Your state’s Attorney General’s office
When filing a complaint, be sure to provide as much detail as possible, including:
- ➡️ The name and address of the agency.
- ➡️ The date and time of the incident.
- ➡️ A description of the incident.
- ➡️ Any supporting documentation, such as letters or recordings.
Remember to keep a record of your complaint, including the date and time you filed it, and any subsequent communication with the agency. This documentation can be crucial if you need to escalate the issue or take further legal action.
CONSUMER RIGHTS LAW FIRM, PLLC
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. Contact a legal professional to stop Marcam Associates debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Our services are designed to cater to the unique needs of each family, ensuring personalized and effective legal support.
If you are interested in learning more about how to safeguard yourself and prevent Marcam Associates debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “Marcam Associates was constantly calling me, even after I explained the debt wasn’t mine. The stress was unbearable. Consumer Rights Law Firm PLLC stepped in and immediately put a stop to the harassment. They were professional, knowledgeable, and took the burden off my shoulders. I finally have peace of mind thanks to their help.”
- 🏆 “I knew Marcam Associates was violating my rights under the FDCPA, but I didn’t know how to fight back. Consumer Rights Law Firm PLLC explained my rights clearly and took swift action against Marcam. They didn’t back down, and Marcam eventually had to pay me for their illegal collection tactics. I’m so grateful for their expertise and dedication.”
- 🏆 “Consumer Rights Law Firm PLLC not only stopped Marcam Associates’ harassment but also helped me negotiate a fair settlement. I was able to resolve the debt for much less than Marcam was demanding, and I didn’t have to deal with their aggressive tactics anymore. This law firm is a lifesaver!”
FAQs
Who is Marcam Associates and why are they calling me?
Marcam Associates is a third-party debt collection agency based in Rochester, NH, specializing in collecting medical and consumer debts on behalf of healthcare providers. If they’re calling, it’s because they believe you owe a debt that’s been passed to them for collection.
Is Marcam Associates a scam or a legitimate company?
They are a legitimate, longstanding collection agency (since 1983), although numerous consumer complaints allege aggressive or harassing behavior.
Why does Marcam Associates keep calling me?
Repeated calls usually mean they’re trying to recover an outstanding debt. Consumers report multiple calls per week, sometimes at inconvenient times, which may violate the FDCPA.
What constitutes harassment by a debt collector like Marcam?
Harassment includes repetitive calls, calls before 8 a.m. or after 9 p.m., using obscene language or threats, and contacting third parties. All of these are prohibited under the FDCPA.
Can I legally stop Marcam Associates from calling me?
Yes. You can send a written cease-and-desist letter requesting they stop calling. Once received, they must cease non-legal communications, or you can file complaints with the CFPB, FTC, or state attorney general.
Can I sue Marcam Associates for harassment?
Yes. If they violate the FDCPA (harassing calls, threatening illegal action, etc.), you can sue for statutory damages (up to $1,000), plus actual damages, attorney fees, and court costs.
Does Marcam Associates use robocalls or spoofed numbers?
Consumers report frequent robocalls, calls with no message or generic prompts, from various numbers. Using robocalls without prior consent may violate the TCPA.
Can Marcam Associates hurt my credit score?
Yes. They can report collection accounts to credit bureaus, which remain on your credit report for seven years and can significantly damage your credit score.
How do I dispute a debt with Marcam Associates?
You can request written debt validation within 30 days of their first contact. If they can’t verify the debt, they must cease collection. Disputed debts must also be reported to credit bureaus.
What steps should I take to make Marcam Associates stop contacting me?
Document every call (date, time, content), send a written cease-and-desist notice, dispute inaccurate debts, file complaints (CFPB, FTC, BBB), and consider consulting a consumer-rights attorney.