If Pendleton Capital Management, Inc is calling you repeatedly, threatening legal action, or contacting your family, you are not powerless. Constant calls from a debt collector can be intimidating and stressful, but federal law protects you. The Fair Debt Collection Practices Act (FDCPA) limits how collectors may contact you and allows you to stop harassment. If these laws are violated, you may be entitled to statutory damages and attorney fees.
What is Pendleton Capital Management?
Pendleton Capital Management, Inc is a third-party debt collection agency based in Amherst, New York. They often collect unpaid medical bills or consumer debts on behalf of creditors. The company also goes by alternate names such as Integrated Recovery Services Inc and Integrated Services.
Address: 3840 E Robinson Rd Ste 224, Amherst, NY 14228-2001
Phone: (833) 808-0981
Alternate Business Names: Integrated Recovery Services Inc & Integrated Services
Is Pendleton Capital Management, Inc a scam?
According to the Better Business Bureau website, Pendleton Capital Management, Inc has been a legitimate company in business since 2013. There have been 105 complaints closed in the last 3 years and 63 complaints closed out in the last 12 months. Even legitimate collectors must comply with federal law. Never provide personal or payment information until you receive written debt validation. Requesting verification does not make you liable, it simply ensures the debt is valid and protects your rights.
The following is a sample list of credit report complaints filed against Pendleton Capital Management, Inc and can be found on Pacer.gov.
3:18-cv-00744-MHL Hengle v. PendletonCapital Management, Inc.
Pendleton Capital Management Phone Numbers
You may receive calls from the following numbers:
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(833) 808-0981
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(855) 209-1888
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(855) 245-1519
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(877) 902-6718
Even if a call comes from a different number, it may still be Pendleton Capital Management. Always verify the caller’s identity and take steps to protect yourself from harassment.
What Happens If You Ignore Their Calls?
Ignoring collection calls might give temporary relief, but it rarely solves the problem. If the debt is valid, it can continue to accrue interest or fees, be reported to credit bureaus, and potentially move toward legal action. Avoiding contact also increases the risk of missing deadlines to dispute the debt. It’s generally safer to address the situation proactively while asserting your rights.
What Constitutes Pendleton Capital Management Phone Harassment?
Phone harassment occurs when a debt collector makes repeated, unwanted calls with the intent to collect a debt. Harassment can take many forms, including:
Such actions violate the FDCPA and, in some states, other consumer protection laws. Understanding what qualifies as harassment helps you take effective steps to stop it.
How to Stop Pendleton Capital Management Calls
You have several tools to stop harassment legally:
Send a Written Cease-and-Desist Letter
Start by sending a clear letter stating that you request no further calls. Once the collector receives it, they are legally required to stop contacting you. If the calls continue after that, it constitutes a violation of the FDCPA, which gives you grounds to take legal action.
Request Debt Validation
Within 30 days of your first notice, you have the right to request written proof of the debt. Include your full name, mailing address, and account reference in the request, and send it via certified mail with a return receipt requested. Debt collectors must pause all collection activity until they provide verification, helping you ensure the debt is legitimate.
Document Everything
Maintain a detailed call log noting dates, times, phone numbers, and a summary of what was said during each interaction. This record can be crucial evidence if you need to escalate the matter legally or prove harassment.
Report Harassment
You can report abusive or repeated calls to authorities that handle consumer protection. File complaints with the Federal Trade Commission (FTC), and your state Attorney General. These agencies can investigate and take action against violators.
Consult an Attorney
If the harassment continues or you experience emotional or financial harm, a consumer rights attorney can help enforce your rights, negotiate on your behalf, and potentially pursue compensation for damages.
Can You Negotiating a Payment Plan?
Yes, if the debt is valid, you may negotiate a payment plan with Pendleton Capital Management. Always:
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Get all agreements in writing
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Confirm that the plan does not restart the statute of limitations on old debts
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Make sure the payment schedule is manageable for your finances
Negotiating responsibly allows you to resolve the debt without giving up your legal protections. Avoid verbal agreements alone, only written confirmation can safeguard your rights. Talk to a professional attorney to get best advice according to your situation or call us at (877)700-5790
Can They Report Your Debt to Credit Bureaus?
Yes, Pendleton Capital Management can report debts to credit reporting agencies, but the information they provide must be accurate and verifiable. If you believe an account is incorrect, it’s important to take action: file a written dispute with the credit bureau, request verification from the collector, and keep copies of all correspondence. Remember, inaccurate reporting cannot legally remain on your credit report, and paying a debt does not automatically remove it. Protecting your credit can feel stressful, but taking these steps helps ensure your rights are respected.
Can They Sue You?
If the debt is valid and still within the statute of limitations, Pendleton Capital Management can file a lawsuit to collect it. However, any threats of legal action without actual intent to sue are illegal. It’s important to always respond to court papers to protect your rights. Many consumers successfully defend themselves because debt collectors often cannot provide proper documentation or prove ownership of the debt.
Can You Sue Pendleton Capital Management for Harassment?
You can sue Pendleton Capital Management if they use aggressive, unfair, or illegal debt collection practices. The FDCPA protects against harassment, threats, and false statements, allowing recovery of up to $1,000, plus emotional or financial damages and attorney fees. The TCPA covers illegal robocalls, with $500 per call and up to $1,500 for willful violations.
You may need to take legal action if they repeatedly call aggressively, make unlawful threats, use misleading statements, or place unwanted automated calls.
Reporting Pendleton Capital Management Phone Harassment
If you’re facing phone harassment, you can take these steps to protect yourself:
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Document all calls: Note the date, time, and content of each call.
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File a complaint with the FTC: The Federal Trade Commission handles abusive debt collection practices.
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Contact your state Attorney General: State offices can investigate and take action.
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Reach out to a consumer protection agency: Organizations like the National Foundation for Credit Counseling can provide guidance.
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Consider legal help: An attorney can represent you and help enforce your rights.
By keeping records and reporting the harassment, you can help stop abusive practices and potentially seek compensation for the stress caused.
Consequences of Pendleton Capital Management Phone Harassment
Phone harassment can have serious effects on both the person being contacted and the collector. For you, it can cause emotional distress, anxiety, depression, strained family or work relationships, and even potential damage to your credit score. For Pendleton Capital Management, such harassment can result in fines and penalties under federal and state laws, lawsuits or settlements, and reputational damage that may affect their business. Understanding these consequences can help you feel empowered to take action and assert your rights safely.
How Our Attorneys Can Help!
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing Pendleton Capital Management debt collection 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 Pendleton Capital Management, Inc 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 even more harassment from Pendleton Capital Management, Inc, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
“They worked quickly to not only get the account removed from my credit report, but also get me a settlement on top of that. Of course, this was my personal result – yours may differ. I didn’t have to pay a single dime for the service. All my questions were answered thoroughly and in a very timely manner. Do not hesitate to put your trust in this law firm.”
“A huge thank you. A creditor had harassed and treated me. So I call Matthew at Consumer Rights, only hopping to have the calls stop. It turned out the creditors had to pay us.
Don’t be harassed, call them.”
“The process was quick and easy. Just a couple of phone calls and they got to work right away. They never asked me for money at any time. In a month or two I got my check. I was surprised however that the legal fees the debt collector had to pay was 75% more than what I received.”
FAQs
Is Pendleton Capital Management, Inc a scam?
No, Pendleton Capital Management, Inc has been in business since 2013.
Can Pendleton Capital Management debt collection, Inc seize my property?
Pendleton Capital Management, Inc can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can Pendleton Capital Management, Inc sue me?
Yes, Pendleton Capital Management, Inc can sue you so long as the debt is within the statute of limitations.
Can Pendleton Capital Management, Inc report my debt to the collections bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report.
Can Pendleton Capital Management, Inc 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.
What should I do if Pendleton Capital Management calls me after sending a cease-and-desist letter?
If they continue calling after receiving your written cease-and-desist letter, it violates the FDCPA. You can file a complaint with the CFPB, FTC, and your state attorney general, and consult an attorney for legal remedies.
Can Pendleton Capital Management contact me on social media or via text messages?
No, debt collectors are prohibited from harassing you through social media. Text messages must include an opt-out option, and repeated unwanted messages can be reported to the FTC.
What if I think Pendleton Capital Management is trying to collect a debt that isn’t mine?
You have the right to dispute the debt in writing. Request a debt validation notice and review all account details. Do not provide payment or personal information until it’s verified.
Can Pendleton Capital Management threaten legal action or falsely claim I’ll be arrested?
No. Debt collectors cannot threaten criminal charges for civil debts. Any threats to arrest or legal action that aren’t legitimate are illegal and should be reported immediately.
How can I protect my family from Pendleton Capital Management contacting them about my debt?
Collectors cannot legally harass your relatives or friends. You can instruct them in writing not to contact third parties, and report any attempts to intimidate your family to the CFPB or FTC.
