Optio Solutions Phone Harassment?
Is Optio Solutions (OS) calling you? Stop Optio 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 OS phone harassment. If a collector violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Federal law, such as the FDCPA, governs debt collection practices and protects consumers from harassment and abusive tactics.
Is Optio Solutions a Scam?
According to the Better Business Bureau website, Optio Solutions has been in business for 12 years. There have been 6 complaints filed against OS with the BBB.
Optio Solutions Better Business Bureau
Who is Optio Solutions?
Optio Solutions is a third-party debt collector located in Petaluma, California. Collection agencies like Optio Solutions specialize in debt recovery and must adhere to strict compliance standards to protect their brand and ensure brand protection, avoiding legal and reputational issues. OS has been a party to a Federal Court case over 35 times. These cases often involve associates of the law firm or agency in legal disputes. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 1444 N Mcdowell Blvd
Petaluma, CA 94954-6515
Phone: (800) 360-2827
Optio Solutions is often referred to or searched for by other names. These include:
optio solutions, optio solutions llc, optio solutions, llc, qualia collection services complaints, qualia collection agencies, optio, qualia collection services complaints, optio inc
Optio Solutions Collection Tactics
If Optio Solutions engages in any of the following tactics, you may have a case:
- Using profanity, obscene language, 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
- Contacting third parties, such as your family or employer, about your debt without your consent or beyond what is allowed by the Fair Debt Collection Practices Act (FDCPA). You have rights to limit or control these communications to protect your privacy.
- 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
In addition to the FDCPA, the Telephone Consumer Protection Act (TCPA) also regulates debt collection phone calls and protects consumers from abusive practices.
Optio Solutions Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-360-2827, 800-433-5709, (800) 360-2827, (800) 433-5709, 8003602827, 800433-5709,
If the answer is yes, then you are receiving calls from a known OS number. You may be a victim of OS phone harassment. The list above is not all the numbers that OS uses. The calls can be from a different number and it still be Optio Solutions calling you. Contact our office right away so we can start the process to stop OS from calling you illegally. Above all, no one should live with harassment!
Common Questions
Is OS a scam? No, Optio Solutions has been in business for 12 years.
Can OS garnish my wages? Yes, OS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Failing to make payments on your debt can lead to wage garnishment and negatively impact your credit, while paying off your debts may help improve your credit standing.
Can OS sue me? Yes, OS can sue you so long as the debt is within the statute of limitations.
Can OS report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. It is important to regularly review your credit reports from all three bureaus and dispute any inaccuracies related to Optio Solutions to protect your creditworthiness.
Can OS 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.
If you have complaints or disputes with Optio Solutions, these issues can be addressed by contacting their customer service or using the appropriate dispute channels.
Consider taking action to address your debts, such as negotiating payments, disputing inaccuracies, or working with Optio Solutions to resolve your account and improve your credit reports.
The following is a sample list of complaints filed against Optio Solutions in the past and can be found on Pacer.org.
2:14-cv-08287-BRO-JEM Barrientos v. Optio Solutions
5:18-cv-01512-MWF-SP Robertson v. Optio Solutions
2:17-cv-01564-JS-SIL Lobosco et al v. Optio Solutions
2:17-cv-02801-LDW-SIL Galands v. Optio Solutions
1:19-cv-01868-RJD-PK Ryu v. Optio Solutions
About Us
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Our commitment to resolving debt harassment issues is matched by our dedication to client security and the protection of sensitive information through robust security measures. Rather than suffer alone, contact our office to begin the process to stop the Optio Solutions 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 Optio Solutions. 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/praxis-financial-solutions-debt-collection-harassment/
https://consumerlawfirmcenter.com/national-collection-systems-phone-harassment/
https://consumerlawfirmcenter.com/universal-fidelity-lp-phone-harassment/
https://consumerlawfirmcenter.com/one-advantage-phone-harassment/
https://consumerlawfirmcenter.com/accelerated-financial-solutions-debt-collection-harassment/
https://consumerlawfirmcenter.com/waypoint-resource-group-phone-harassment/
https://consumerlawfirmcenter.com/sage-capital-recovery-phone-harassment/
https://consumerlawfirmcenter.com/vengroff-williams-phone-harassment/
https://consumerlawfirmcenter.com/spire-recovery-solutions-debt-collection-harassment/
Understanding Your Rights When Dealing with Optio Solutions
When you’re contacted by Optio Solutions or any third-party collection agency, it’s crucial to know your rights under state and federal laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are designed to protect consumers from unfair, deceptive, or abusive debt collection practices. These laws set clear boundaries for debt collectors, including how and when they can contact you, what they can say, and how they must handle your personal information and credit reporting.
If you’re receiving unwanted calls from Optio Solutions, remember that you have the right to request that they cease communication. Debt collectors are not allowed to use abusive language, make threats, or call you repeatedly at inconvenient times. If you ask Optio Solutions to stop calling you at work or to only contact you in writing, they are legally required to honor your request. You also have the right to dispute the debt and request verification—Optio Solutions must provide you with details about the debt they are attempting to collect.
Keeping detailed records of all communications with Optio Solutions is essential. Save voicemails, emails, letters, and make notes of every phone call, including dates, times, and the names of the representatives you speak with. This documentation can be invaluable if you need to take legal action or file a complaint with the Better Business Bureau or other consumer protection agencies.
Your credit report is another area where you have important rights. If Optio Solutions reports a collection account to the credit bureaus, you have the right to review your credit report and dispute any inaccurate or outdated information. Under the FCRA, credit bureaus must investigate your dispute and correct any errors, helping you protect your credit score and financial reputation.
If you believe Optio Solutions or any collection agency has violated your rights under the FDCPA or other laws, you may be entitled to damages, including attorney fees and court costs. Don’t hesitate to contact a law firm or attorney who specializes in debt collection and consumer rights for assistance. Professional help can guide you through the process, ensure your rights are protected, and help you stop unwanted calls and harassment.
