🚨Niagara Credit Solutions Phone Harassment❓
Is Niagara Credit Solutions (NCS) calling you? Stop Niagara Credit Solutions 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 to stop Niagara Credit Solutions 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.
Debt settlement programs may affect communication between debtors and their creditors. Understanding when a debt settlement company notifies creditors to redirect calls is crucial in managing this process.
⚠️Is Niagara Credit Solutions a Scam❓
According to the Better Business Bureau website, Niagara Credit Solutions has been in business for 14 years. There have been 6 complaints filed against Niagara Credit Solutions phone harassment with the BBB.
🔍Who is Niagara Credit Solutions Debt Collector❓
Niagara Credit Solutions is third party debt collector located in Lackawanna, New York. NCS has been a party to a Federal Court case over 70 times. They have been accused of Niagara Credit Solutions phone harassment and illegal & harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 1212 Abbott Road Suite D
Lackawanna, NY 14218
Phone: (716) 681-6816
📢Niagara Credit Solutions Collection Tactics
Niagara Credit Solutions Inc is a debt collection agency that employs various methods to recover debts from individuals. Their tactics may include sending letters and emails to debtors, making phone calls, Niagara Credit Solutions phone harassment, reporting debts to credit bureaus, filing lawsuits, and negotiating payment plans. While these actions are part of their debt collection strategy, it’s crucial to remember that they must adhere to the Fair Debt Collection Practices Act (FDCPA). This federal law ensures that debt collectors like Niagara Credit Solutions Inc operate within legal boundaries, protecting consumers from abusive and unfair practices. Understanding these tactics can help you recognize when a debt collector is overstepping their bounds and violating your rights.
⌛Niagara Credit Solutions Fair Debt Collection Practices
If Niagara Credit Solutions engages in any of the following tactics, you may have a case of Niagara Credit Solutions phone harassment:
- 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
It is crucial to review the details in the settlement agreement to ensure compliance and protect consumer rights.
📲Niagara Credit Solutions Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
716-681-6816, 800-381-0416, 888-841-3131, (716) 681-6816, (800) 381-0416, (888) 841-3131, 7166816816, 8003810416, 8888413131
If the answer is yes, then you are receiving calls from a known NCS number. You may be a victim of Niagara Credit Solutions phone harassment. The list above is not all the numbers that NCS uses. The calls can be from a different number and it still be Niagara Credit Solutions calling you. Contact our office right away so we can start the process to stop NCS from calling you illegally. Above all, no one should live with harassment!
🏷️Common Questions
Is NCS a scam❓
No, Niagara Credit Solutions has been in business for 14 years.
Can Niagara Credit Solutions garnish my wages❓
Yes, NCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can NCS sue me❓
Yes, NCS can sue you so long as the debt is within the statute of limitations. It is important to secure a written agreement when negotiating debt settlements, and encountering legal disclosures during discussions is a positive sign of legitimacy.
Can NCS report my debt to the collection bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report
Can NCS arrest me❓
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, 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 Niagara Credit Solutions in the past year and can be found on Pacer.gov.
0:10-mc-60536-WPD Edwards v. Niagara Credit Solutions
6:11-cv-03496-DGK Woodruff v. Niagara Credit Solutions
2:12-cv-00227-TOR Yanez v. Niagara Credit Solutions
1:09-cv-00113-WMS-LGF Scott v. Niagara Credit Solutions
1:12-cv-00700-RJA-HKS Janocsko v. Niagara Credit Solutions
⚖️Fair Debt Collection Practices (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to regulate the behavior of debt collectors and protect consumers from abusive practices. Niagara Credit Solutions Inc must comply with the FDCPA, which mandates that they provide clear and effective notice to consumers, identify the creditor to whom the debt is owed, and disclose the amount of the debt along with any fees or charges. Additionally, they are prohibited from making false or misleading statements and from Niagara Credit Solutions phone harassment. They are also prohibited from harassing or threatening consumers. If you receive a debt collection letter or call from Niagara Credit Solutions Inc, it’s essential to understand your rights under the FDCPA, including your right to dispute the debt and request validation.
📂Debt Collection Process
🛡Resolving Debts with Niagara Credit Solutions
If you’re struggling to pay a debt owed to Niagara Credit Solutions Inc, especially if you’re experiencing Niagara Credit Solutions phone harassment, it’s essential to communicate with them proactively. You can negotiate a payment plan that fits your financial situation, or you might be able to settle the debt for less than the full amount owed. Keeping records of all communications, including dates, times, and details of conversations, is vital. If you’re unsure about your rights or obligations, consider seeking help from a credit counselor or debt settlement specialist. Remember, open communication and a clear understanding of your options can help you manage your debt more effectively.
🔒Protecting Yourself from a Debt Collector
If you’re being contacted by Niagara Credit Solutions Inc or any other debt collector, especially if you experience Niagara Credit Solutions phone harassment, it’s essential to protect yourself. Start by verifying the legitimacy and accuracy of the debt. Understand your rights under the FDCPA, and don’t make any promises to pay without a written agreement. Keep detailed records of all communications with the debt collector, including dates, times, and the content of conversations. If you’re unsure about your rights or obligations, seek help from a credit counselor or debt settlement specialist. Being proactive and assertive in your dealings with debt collectors can help you navigate the situation more effectively and protect your rights.
🏛️About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing Niagara Credit Solutions phone harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Niagara Credit Solutions 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 Niagara Credit Solutions phone harassment from Transworld, Inc. call us at (877)700-5790 for immediate assistance or visit our website.
🏆Success Stories
“Excellent experience. Super helpful. Took a huge burden off my mind, kept me in the loop and got the job done. Highly recommend. Thank you!”
“They get the job done! Thank you Consumer Rights Law Firm for all your help! They are extremely professional, kind and courteous! 100% should anything go wrong this is the company you would want to be on your side!”
“I just want to say, Thank You so much Matt! I’m grateful to God that He directed me to click the website. I was overwhelmed with the constant harassment from a debt collector. Thank you so much for all your help. Matt worked all so quick and was able to help me to stop the harassment.”
