Peter Roberts & Associates Debt Collection Harassment
Tired of Peter Roberts & Associates Debt Collection Harassment? Wish there was a way to make the calls stop? Is Peter Roberts constantly calling and harassing you? Does your phone ring every day, several times per day, because Peter Roberts Associates is calling you to demand payment? Threatening you with legal action? Has Peter Roberts & Associates LLC ever used abusive or profane language when speaking with you on the phone? If so, Peter Roberts Associates may be violating your legal rights. Stop the harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. This includes maintaining accurate accounts and avoiding financial harassment. If a collector violates the FDCPA, you can sue the collector in court. Despite paying off a debt, it still appears as a collections account on your credit report, affecting your credit score. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs. The Electronic Fund Transfer Act protects against unauthorized deductions from your bank accounts. Debt collectors, like Peter Roberts & Associates, may not own the debt outright but are instead collecting it on behalf of another company.
Introduction to Debt Collection
Debt collection is a process where a debt collector or a collection agency attempts to recover unpaid debts from individuals or businesses. This process can be complex and involves various laws and regulations, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Understanding these laws is crucial for both debt collectors and consumers to ensure that the debt collection process is fair and lawful. The FDCPA sets guidelines for how debt collectors can interact with consumers, while the FCRA ensures that credit reporting is accurate and up-to-date. By familiarizing themselves with these laws, consumers can better navigate the debt collection process and protect their rights.
Is Peter Roberts & Associates a Scam?
According to the Better Business Bureau website, Peter Roberts & Associates has been in business since 1997. There have been 10 complaints closed in the last 3 years and 5 complaints closed out in the last 12 months.
Who is Peter Roberts & Associates?
Peter Roberts & Associates is third party debt collector located in Milford, Massachusetts. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court cases alleges that Peter Roberts & Associates used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
🏛️ Peter Roberts & Associates Address: 231 Main Street Suite 201 Milford, MA 01757
📞 Phone: (508) 473-6661
📠 Fax: (508) 473-6899
Understanding Debt Collection Laws
Debt collection laws are designed to protect consumers from abusive and unfair practices by debt collectors. The FDCPA, for example, prohibits debt collectors from using false or misleading information, harassing or threatening consumers, and making excessive phone calls. The FCRA, on the other hand, regulates the use of credit reports and ensures that they are accurate and up-to-date. Consumers who are being pursued by debt collectors should be aware of their rights under these laws and take steps to protect themselves from unfair practices. Knowing these laws can help consumers respond appropriately to debt collection efforts and avoid being taken advantage of by unscrupulous collectors.
Peter Roberts & Associates Debt Collection Harassment Tactics
If Peter Roberts & Associates engages in any of the following tactics, you may have a case:
- 🕗 Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
- 🚫 Talking to others about your debt, including contacting your friends
- 📵 Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
- 🗣️ Use any profane language or any language that is harassing and abusive
- ⚖️ Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
- ❌ Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment
- 🚔 Threaten arrest or criminal prosecution
- 📉 Send false or fraudulent information to the credit bureaus
- 📞 Cause a telephone to ring an unreasonable amount of times
Peter Roberts & Associates Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- 📲 508-473-6661
- 📲 888-473-6661
If so, you may be a victim of Peter Roberts & Associates debt collection harassment. The list above is not all the numbers that Peter Roberts & Associates uses. Also, calls can be from a different numbers and it still be Peter Roberts & Associates calling you. Contact our office right away so we can start the process to stop Peter Roberts & Associates from calling you illegally. Above all, no one should live with harassment.
Top Collection Violations
Some common collection violations include making false or misleading statements, harassing or threatening consumers, and making excessive phone calls. Debt collectors may also violate the law by failing to provide consumers with required notices or by attempting to collect debts that are not owed. Consumers who believe that they have been victimized by a debt collector can file a complaint with the Federal Trade Commission (FTC) or the (CFPB). These agencies can investigate the complaints and take action against debt collectors who violate the law, helping to protect consumers from abusive practices.
Negotiating a Settlement
In some cases, consumers may be able to negotiate a settlement with a debt collector. This can involve paying a lump sum or making monthly payments to satisfy the debt. However, consumers should be cautious when negotiating with debt collectors and ensure that they understand the terms of the settlement. It’s also important to get any agreement in writing and to keep a record of all communications with the debt collector. By doing so, consumers can protect themselves from potential misunderstandings and ensure that the debt is resolved in a fair and transparent manner.
How to Seek Help
Consumers who are being pursued by debt collectors can seek help from a variety of sources. The FTC and CFPB provide information and resources on debt collection laws and regulations, and consumers can also file complaints with these agencies. Additionally, consumers can contact a credit counseling agency or a non-profit organization that specializes in debt collection issues. In some cases, consumers may also want to consider hiring an attorney to represent them in dealings with a debt collector. By understanding their rights and seeking help when needed, consumers can protect themselves from unfair debt collection practices and resolve their debt issues in a fair and lawful manner.
It’s worth noting that companies like Peter Roberts & Associates, a debt collection agency, must comply with these laws and regulations. Consumers who are being contacted by Peter Roberts or any other debt collector should be aware of their rights and take steps to protect themselves from unfair practices. A free case review can help consumers determine the best course of action and ensure that their rights are protected.
The following is a sample list of complaints filed against Peter Roberts & Associates and can be found on Pacer.gov.
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 Peter Roberts & Associates 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 Peter Roberts & Associates debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “I was overwhelmed by nonstop calls and letters from a debt collector, and I didn’t know where to turn. Then I found Consumer Rights Law Firm PLLC. From the very first consultation, they were kind, knowledgeable, and professional. They explained my rights under the FDCPA and immediately took action. Within a few weeks, the harassing calls stopped completely. I finally felt peace of mind after months of stress. I’m beyond grateful for their help!”
- 🏆 “Consumer Rights Law Firm PLLC truly cares about their clients. They listened patiently to my concerns and treated me with respect during a very difficult time. I was being harassed by a debt collection agency that was using threatening language and calling me at work. The team helped me file a complaint and even got the agency to stop contacting me. I would recommend them to anyone dealing with debt collection harassment.”
- 🏆 “I was skeptical about contacting a law firm, but Consumer Rights Law Firm PLLC exceeded my expectations. Their team was not only professional but incredibly empathetic. They walked me through every step of the legal process and made sure I understood my options. In the end, they helped me take legal action and even secured a settlement on my behalf. I finally feel like I have control over my life again.”
FAQs
Who is Peter Roberts & Associates and why are they calling me?
Peter Roberts & Associates is a legitimate debt collection agency that purchases delinquent consumer debts and contacts individuals to collect outstanding balances. If they’re calling, it’s because they believe you owe money on a debt they own or service.
Is Peter Roberts & Associates a scam or legitimate?
No, they are a real and legitimate collection agency operating for many years. They are not a scam, though consumers often report aggressive calling tactics.
What counts as harassment by Peter Roberts & Associates?
Harassment includes repeated or excessive calls—more than seven in seven days—calling outside 8 a.m.–9 p.m., using profane language, threatening violence, or calling your workplace after being asked not to.
Can Peter Roberts & Associates legally contact my family, employer, or others?
They may contact third parties only to locate you—not to discuss your debt. They can’t call your employer if you’ve told them not to, and they can’t discuss your debt with family or coworkers.
How can I stop Peter Roberts & Associates from calling me?
Send a written cease-and-desist letter requesting they stop phone contact. Once received, they must cease calls, except to notify you of legal action. Keep all call logs and communications.
Can I request validation of the debt from Peter Roberts & Associates?
Yes—under the FDCPA you have 30 days from their first communication to request a written validation or verification of the debt. They must provide details like original creditor and amount owed.
Can Peter Roberts & Associates affect my credit score?
Yes, they can report your account as in collections to credit bureaus, which negatively impacts your credit score and can stay on your report for up to seven years.
Can I sue Peter Roberts & Associates for harassment?
Yes. If they violate the FDCPA—such as by harassing you with repeated calls—you can sue them for statutory damages (up to $1,000), plus any actual damages, legal fees, and costs. Lawsuits must be filed within one year of the violation.
Will sending a goodwill or pay‑for‑delete letter help remove the debt from my credit report?
You can negotiate pay‑for‑delete agreements, but such arrangements aren’t guaranteed. Paid collections still stay on your report for seven years unless explicitly removed. Goodwill letters are rarely accepted by collection agencies.
What should I do if they break the law or call after I’ve asked them to stop?
Document all calls and messages, keep records, and file a complaint with the CFPB, FTC, or your state attorney general. Consider consulting a consumer‑rights attorney to explore legal action.
