Penn Credit Debt Collection Harassment? Stop the Calls!
If you have been enduring Penn Credit phone 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.
There are laws that are made specifically for activities like Penn Credit debt collection. Debtors, who prior to now had to endure untold 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 phone 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.
What to do when a debt collector calls about a debt that isn’t yours
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 this, 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.
- 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 a 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 defence to any length. On your part, you should report your problem in a written form in time, at least before 30 days, or it might not have effect. Secondly, send a certified mail containing your case. Here are 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 address. Prove you’re not involved in that by showing proof that you do not owe. If you have been experiencing identify theft, mention it. Show your credit report. Don’t just ignore this, face it till it is over.
Dispute every debt as early as you can before it gets out of hand. If you push it aside, it could come back with an uglier face. If all your efforts to get out of this accusation proves abortive, you can make a move to file a court order. Don’t result into paying for a debt you do not owe.
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?
Penn Credit is third party debt collector located in Harrisburg, Pennsylvania.
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 a different numbers and it 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 harassment.
Is Penn Credit a scam? No, Penn Credit has been in business since 1987.
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 obtain 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 and can be found on Pacer.org.
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. 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 at www.consumerlawfirmcenter.com.
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued , it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately , they were able to put some money in my pocket as well , Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer 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 Agencies 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.”
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.
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