Penn Credit Debt Collection Harassment? Stop the Calls!

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Penn Credit Debt Collection Harassment

🚨Penn Credit Debt Collection Harassment? Stop the Debt Collection Calls!

If you have been enduring Penn Credit debt collection harassment, you don’t have to anymore. There are ways to make the calls stop. Is Penn Credit constantly calling and harassing you? Are you getting threats and annoying calls from Penn Credit about a debt? Whether you owe or not, Penn Credit does not have the right to harass and make life difficult for you.

Failure to pay debts could negatively impact your credit rating. Debts are reported to credit rating agencies and remain on credit bureau records for a specified period, affecting your creditworthiness.

There are laws that are made specifically for activities like Penn Credit debt collection. Debtors, who prior to now had to endure untold Penn credit debt collection harassment from debt collectors, do not have to do so anymore, thanks to the FDCPA.

For Penn Credit to remain on the right side of the law, every Penn Credit debt collection method must align with the laws laid down by the FDCPA.

The laws of the FDCPA simply state that no debt collector must use unfair, deceptive, or disrespectful methods in their debt collection processes. The FDCPA strongly frowns against all forms of harassment against debtors including Penn Credit debt collection harassment.

If you have been experiencing Penn Credit phone harassment, you can stop it by suing them, and you may even get awarded up to $1,000 for it.

📜Understanding Penn Credit Debt Collection

Penn Credit Corporation is a well-established debt collector based in Harrisburg, Pennsylvania, with a mission to collect debts on behalf of creditors nationwide. Located at 2800 Commerce Drive, Harrisburg, PA 17110, and reachable at (800) 800-3328, Penn Credit handles debts assigned to them by original creditors. It’s crucial to understand that debt collectors like Penn Credit Corporation operate under strict regulations set by federal and state laws, including the Fair Debt Collection Practices Act (FDCPA). These laws are designed to ensure that debt collection practices are fair and respectful, protecting consumers from Penn credit debt collection harassment.

📢What To Do When a Debt Collector Calls About a Debt That Isn’t Yours Under The Debt Collection Practices Act

First of all, don’t panic and sulk. It could be an error. But what if the calls persist with threats of you being sued? Let’s help you out of Penn Credit Debt collection harassment. Follow carefully.

  • Be sure you don’t actually owe. If you do, don’t run away from it by saying it is a wrong call. That is why you should have a credit report so you can keep track of your debts, whether paid or still owing. If you truly don’t owe, then keep reading this article.
  • Verify the debt collector. While you may be thinking you’re dealing with Penn Credit debt collection, it could actually just be a scam. So verify. If it turns out to be a legit debt collector, they may be erroneously asking for an already paid debt. So get a debt verification by asking the debt collector for written and signed proof that you owe. Consumers have the right to request records that include the date of the last payment along with other relevant details about the debt.
  • Bring forth your proof of payment. Don’t just leave the debt collector to his calls; he might sue you, and it would take longer to get out of it. Send proof of your payment to the debt collector. This would be necessary if you did owe him before, but if you didn’t, then show your credit report and prove that you do not owe.
  • Take it up legally. Some fights cannot be won just by sending papers to an opponent. If you do not exercise your rights as a debt-free individual, you might have to pay in the end. The Fair Debt Collection Practices Act (FDCPA) can take up your defense to any length. You should report your problem in written form in time, at least before 30 days, or it might not have an effect. Secondly, send a certified mail containing your case. Here is the information that the case letter should hold: • Your name • Your address • Your account number.
  • It could be true, but not the Truth: you might really owe, but not because it’s your debt. It could be a case of identity theft or a mistake in names and contact addresses. Prove you’re not involved in that by showing proof that you do not owe. If you have been experiencing identity theft, mention it. Show your credit report. Don’t just ignore this; face it till it is over.

Penn Credit Debt Collection Harassment

📵Is Penn Credit a scam

According to the Better Business Bureau website,  Penn Credit has been in business since 1987. There have been 167 customer complaints filed.

💡Who is Penn Credit Corporation

Penn Credit is a third-party debt collector located in Harrisburg, Pennsylvania. Penn Credit handles debts assigned to them by original creditors. Consumers should seek information from debt collection agencies regarding the original creditor to verify legitimacy and understand their rights under the FDCPA.

Address: 2800 Commerce Dr. Harrisburg, PA 17110-9307 Phone: (717) 238-7124 Fax: (717) 231-4849

📞Penn Credit Phone Numbers             

Are you receiving any harassing phone calls from any of these numbers?

717-238-7124, 800-900-1367, 800-900-1300, 800-900-1381, 800-800-3328, 800-798-2724, 800-720-7281, 800-900-1380, 800-900-1388, 800-900-1361, 800-720-7290, 800-900-1392, 18009001380

If so, you may be a victim of Penn Credit debt collection harassment. The list above is not all the numbers that Penn Credit uses. Also, calls can be from different numbers, and it will still be Penn Credit calling you.  Contact our office right away so we can start the process to stop Penn Credit from calling you illegally. Above all, no one should live with Penn Credit Debt collection harassment.

⚖️Fair Debt Collection Practices

The Fair Debt Collection Practices Act (FDCPA) is a cornerstone federal law that governs how debt collectors, including Penn Credit Corporation, must conduct their business. Under the FDCPA, debt collectors are prohibited from engaging in abusive, unfair, or deceptive practices. For instance, they cannot contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree to it. They are also barred from contacting you at work if they know your employer disapproves. These protections are in place to ensure that debt collection activities do not disrupt your daily life or violate your privacy.

📜Signs of Penn Credit Debt Collection Harassment

Penn credit debt collection harassment can take many forms, all of which are prohibited under the FDCPA. This includes repeated phone calls intended to annoy, abuse, or harass you or any person answering the phone. Penn Credit Debt Collection Harassment can also occur through emails, letters, or even in-person visits to your home or workplace. Debt collectors may not use obscene or profane language, nor can they threaten you with violence or harm. If a debt collector is contacting your family, friends, or neighbors, it must be solely to locate you, and even then, they cannot disclose that you owe a debt. Recognizing these signs of harassment is the first step in protecting your rights.

 📉Consumer Protections

As a consumer, you have robust protections under the FDCPA. Debt collectors are forbidden from using false or misleading statements to collect a debt. This includes misrepresenting the amount you owe, the legal status of the debt, or falsely claiming to be an attorney. They must also clearly identify themselves and the creditors they represent. If a debt collector violates these rules, you have the right to sue them in state or federal court. Successful lawsuits can result in the debt collector being required to pay you for damages, as well as covering your attorney’s fees and court costs.

Penn Credit Debt Collection Harassment

🛑Stopping Penn Credit Debt Collection Harassment

If you’re experiencing Penn credit debt collection harassment, there are steps you can take to stop it. One effective method is to file a complaint with the Department of Banking & Securities (DoBS) Consumer Services Office. You can submit your complaint online through the DoBS Portal or by calling their toll-free helpline at 1 (800) PA-BANKS (722-2657). The DoBS Consumer Services Office aims to respond to consumer complaints within 10 days, providing timely and courteous assistance. However, it’s often best to first try resolving the issue directly with the financial institution or business entity involved. Taking these steps can help you regain control and put an end to the Penn Credit Debt collection.

📜Common Questions:

Is Penn Credit a scam

No, Penn Credit has been in business since 1987. Financial institutions have obligations and rights in relation to the actions of debt collectors during debt recovery processes, emphasizing adherence to laws and consumer protection regulations.

Can Penn Credit seize my property

Penn Credit 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 Penn Credit sue me

Yes, Penn Credit can sue you so long as the debt is within the statute of limitations.

Can Penn Credit report my debt to the collections bureaus

Yes, Debt collectors are allowed to place the collection account on your credit report

Can Penn Credit 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 Penn Credit which can be found on Pacer.gov.

5:19-cv-00142-JFL COULTER et al v. PENN CREDIT CORPORATION

2:19-cv-00882-WHW-CLW MARKGRAF v. PENN CREDIT CORPORATION et al

2:18-cv-10516-DSF-ADS Angeline Alexis v. Penn Credit Corporation

1:18-cv-05661-BMC Alicea v. Penn Credit Corporation

5:18-cv-04202-EGS AHNER v. EXPERIAN INFORMATION SOLUTIONS, INC. et al

⚖️CONSUMER RIGHTS LAW FIRM, PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing Penn Credit debt collection harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Penn Credit debt collection 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 Penn Credit debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.

🏆Success Stories

“Great law firm. I was being harassed by Penn Credit debt collection harassment for a bill that wasn’t even due yet. Typed in the number that kept calling me, and I found their website. Sure enough, after that day I’ve not had another phone call from them since. They even got my balance remaining on the account to disappear. I really appreciate them, and if my situation sounds similar to yours, definitely give them a call, and they will take care of you.”

“Absolutely thrilled with the Consumer Rights Law Firm. Matthew put a stop to the harassment instantly and handled my case promptly, efficiently and much to my satisfaction. Matthew was extremely friendly, compassionate and communicative and made me feel at ease with the entire process, knowing I could trust him to handle everything for me. The resolution was very quick and more than satisfactory. Appreciate Matthew and CRLF for protecting me and providing peace of mind.”

“Highly recommend this law firm! Derek, the attorney, helped me out with a debt collection case that was causing great distress. BIG thank you to Derek and his team for helping me through my case 5 stars all the way.”

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.