MSW Capital Debt Collector Harassment?
Is MSW Capital (MSW) calling you? Stop MSW Capital 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. Many consumers have called MSW Capital to resolve disputes or clarify account status, but still experienced ongoing harassment.
You have the legal right to stop MSW phone harassment. 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. MSW Capital has a history of failure to resolve many complaints and is known for its unresponsiveness to consumer concerns.
Addressing debt collection issues proactively is crucial to protect your rights and credit.
Is MSW Capital a Scam?
According to the Better Business Bureau website, MSW Capital has been in business for 6 years. There have been 11 complaints filed against MSW with the BBB.
MSW Capital Better Business Bureau
MSW Capital is a third party debt collector located in Basking Ridge, New Jersey. The company is registered in New York and operates in multiple states. MSW Capital works with various companies, including banks, healthcare providers, and utility firms, to collect debts on their behalf. As a debt buyer, MSW Capital purchases delinquent accounts from creditors, such as credit card issuers, banks, and other service providers, for collection. They often acquire debts from the original creditor, and it is important for consumers to understand who the original creditor is when disputing or validating a debt. Although MSW Capital is listed as a financial planning consultant by the Better Business Bureau, this classification is misleading since it primarily operates as a debt buyer and collection agency. They have been a party to over 70 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that MSW Capital used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 26 Cannon Ct
Basking Ridge, NJ 07920-3842
Phone: (800) 613-3924
MSW Capital is often referred to or searched for by other names. These include:
msw capital llc, msw capital, msw capital debt collector, msw capital llc collection, msw capital llc collection, msw capital, msw capital debt collector, msw capital llc
MSW Capital Collection Tactics
MSW Capital LLC, like many debt buyers and collection agencies, uses a variety of collection tactics in their efforts to recover unpaid debts. These tactics often include persistent phone calls, sending collection letters, and even contacting consumers via email. In some cases, MSW Capital may escalate their efforts by partnering with debt collection law firms to pursue legal action, such as obtaining court judgments or wage garnishments against debtors.
It’s important for consumers to recognize the difference between fair debt collection practices and aggressive collection tactics that cross the line. The Fair Debt Collection Practices Act (FDCPA) was established to prohibit debt collectors from using abusive, deceptive, or unfair methods to collect debts. This means MSW Capital LLC and any law firm or collection agency working on their behalf cannot use threats, obscene language, or contact you multiple times a day in an attempt to collect. If you feel overwhelmed by repeated calls or believe the company is violating your rights, you can file a complaint with the Better Business Bureau (BBB) or seek legal action to protect yourself.
Understanding your rights under the FDCPA is crucial when dealing with any debt collection business. If MSW Capital or their representatives are contacting you in ways that feel harassing or unlawful, you have the power to demand fair treatment and hold them accountable. Remember, you do not have to tolerate threats, repeated calls, or any form of harassment from debt collectors—there are laws in place to protect you.
MSW Capital Collection Tactics
If MSW Capital engages in any of the following tactics as part of their effort to collect on unpaid debt, 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
- Talking to others about your debt
- Calling your workplace
- 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, which may include attempting to collect more than what is actually owed
MSW Capital Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-613-3924, 877-774-7570, (800) 613-3924, (877) 774-7570, 8006133924, 8777747570,
If the answer is yes, then you are receiving calls from a known MSW number. You may be a victim of MSW phone harassment. The list above is not all the numbers that MSW uses. The calls can be from a different number and it still be MSW Capital calling you. Contact our office right away so we can start the process to stop MSW from calling you illegally. Above all, no one should live with harassment!
Consumer Rights and Protections
When dealing with debt collectors like MSW Capital LLC, it’s essential to know your rights under both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). The FDCPA is designed to protect consumers from debt collector harassment, false statements, and other unfair debt collection practices. Under this law, debt collectors are required to treat you with respect and honesty, and they must provide detailed information about the debt they are attempting to collect. If you believe MSW Capital LLC has violated your rights, you may be entitled to statutory damages and attorney’s fees.
The FCRA, on the other hand, ensures that any information reported to credit bureaus is accurate and up-to-date. If MSW Capital reports a collection account to your credit report, you have the right to dispute any inaccuracies and request that the debt be validated. This process can help protect your credit and give you peace of mind as you work toward financial stability.
If you are contacted by MSW Capital or any debt collection agency, you have the right to request verification of the debt and to dispute any information you believe is incorrect. You can also negotiate with the company to settle your debt or request a “pay for delete” agreement, which may help improve your credit score. Should you experience ongoing harassment or unfair practices, don’t hesitate to contact the Better Business Bureau (BBB) or a consumer protection agency for assistance.
By understanding your rights and taking proactive steps, you can protect yourself from unfair debt collection practices and work toward financial peace. Remember, you are not alone—there are resources and legal protections available to help you address and resolve issues with debt collectors like MSW Capital LLC.
Common Questions
Is MSW a scam? No, MSW Capital has been in business for 6 years. MSW Capital, as a debt buyer, often purchases debts for pennies on the dollar and then attempts to collect the full amount owed.
Can MSW Capital garnish my wages? Yes, MSW can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Settlement or negotiating a payment plan with MSW may help you avoid wage garnishment.
Can MSW sue me? Yes, MSW can sue you so long as the debt is within the statute of limitations. If you are served with a lawsuit, it is important to respond promptly to avoid a default judgment. Being sued by a debt collector is a legal process governed by both federal and state laws, so understanding your rights is crucial.
Can MSW report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. If you find inaccurate information, you have the right to begin disputing the entry with the credit bureaus. Note that even if the debt is paid, it may not be immediately removed from your credit report.
Can MSW arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order related to a lawsuit, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against MSW Capital in the past year and can be found on Pacer.org.
1:17-cv-00566-LPS Welsh v. MSW Capital LLC et al
3:13-cv-04229-L Aquino v. MSW Capital LLC et al
1:12-cv-06940 MacKenzie v. MSW Capital, LLC
1:14-cv-06659 Resendez v. MSW Capital, LLC
1:14-cv-07567 Eddins v. MSW Capital, LLC
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 MSW Capital harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from MSW Capital call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
https://consumerlawfirmcenter.com/mccarthy-burgess-wolff-debt-collection-harassment/
https://consumerlawfirmcenter.com/montgomery-lynch-associate-debt-collection-harassment/
https://consumerlawfirmcenter.com/machol-johannes-debt-collection-harassment/
https://consumerlawfirmcenter.com/paragon-revenue-group-debt-collection-harassment/
https://consumerlawfirmcenter.com/stop-arc-management-group-collection-calls/
https://consumerlawfirmcenter.com/lockhart-morris-montgomery-debt-collection-harassment/
https://consumerlawfirmcenter.com/progressive-management-systems-phone-harassment/
https://consumerlawfirmcenter.com/rsh-associates-debt-collection-harassment/
https://consumerlawfirmcenter.com/receivables-management-partners-phone-harassment/
https://consumerlawfirmcenter.com/mountain-land-collections-debt-collection-harassment/
