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.
Read more here: 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
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.
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
- ➡️ 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 different phone numbers 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!
Complaints Against Optio Solutions
The following is a sample list of complaints filed against Optio Solutions in the past and can be found on Pacer.gov.
- 📝 2:14-cv-08287-BRO-JEM Barrientos v.
- 📝 5:18-cv-01512-MWF-SP Robertson v.
- 📝 2:17-cv-01564-JS-SIL Lobosco et al v.
- 📝 2:17-cv-02801-LDW-SIL Galands v.
- 📝 1:19-cv-01868-RJD-PK Ryu v.
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. 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.
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.
Success Stories
🏆 Hands down worth all 5 stars! Everything that Scott said would happen, happened! He said the calls would stop, the calls stopped. He said no money out of pocket for their services and no money out of my pocket was spent. No more harassing calls, my credit report is being updated, and I’m getting money back! It’s a win-win! Highly recommend if you get a call from this firm, answer it! So worth it!
🏆 I ran into several financial hardships over the last few years. Constantly harassed by a company to pay up on fees owed that I wasn’t entirely sure were owed… because I was so overwhelmed. Scott and his crew came to my rescue. I was a bit unsure first wondering if it was a scam.:. But it was not! Scott got my close to $1,000 debt dropped and had the company pay the lawyer fees. I also haven’t received anymore harassing phone calls from the company that was trying to collect the debt. Thank you so much Scott!
🏆 Scott was soo very helpful in getting this resolved for me. I had a nasty collection agency call me & harass me & my family. I reached out to this company & he got it resolved in no time. They also never asked me for any money out of pocket what so ever either which was a bonus. What did I have to loose?! Check them out if being harassed or threatened by a collection agency. Thank you again Scott for all your help. Stay safe!!!!
Frequently Asked Questions
1. Why is Optio Solutions calling me?
Optio Solutions may be contacting you to collect a debt on behalf of another company or creditor. They are a third-party debt collection agency.
2. What counts as phone harassment by Optio Solutions?
Phone harassment includes repeated calls, threats, using profanity, calling at odd hours, or continuing to contact you after you’ve asked them to stop.
3. Are robocalls from Optio Solutions legal?
Robocalls from Optio Solutions may violate the Telephone Consumer Protection Act (TCPA) if made without your prior written consent.
4. Can I stop Optio Solutions from calling me?
Yes. You can send Optio Solutions a cease-and-desist letter. Under the FDCPA, they must stop most communication once your request is received.
5. What if I don’t owe the debt Optio Solutions claims?
If you don’t owe the debt or believe there’s an error, you can dispute it in writing within 30 days. Optio Solutions must verify it before continuing collection.
6. Can I sue Optio Solutions for phone harassment?
Yes. If Optio Solutions violates the FDCPA or TCPA, you can sue for damages and recover compensation for unlawful or harassing phone calls.
7. How do I prove Optio Solutions phone harassment?
Keep records of every call, save voicemails, document dates, times, and any threats or abusive language. This evidence helps support your legal case.
8. Can Optio Solutions contact me at work?
No. If you tell Optio Solutions not to contact you at work, they must stop immediately. Continuing to do so violates the FDCPA.
9. Will ignoring Optio Solutions stop the calls?
Ignoring Optio Solutions usually won’t stop the calls. Sending a formal cease-and-desist letter or contacting a consumer rights attorney is more effective.
10. Who can help me stop Optio Solutions phone harassment?
Consumer protection attorneys, like Consumer Rights Law Firm PLLC, can help you stop the harassment and take legal action if necessary.