🚨Are You Experiencing Qualia Collection Services Debt Collection Harassment❓
Qualia Collection Services Debt Collection Harassment? Is Qualia Collection Services (QCS) calling you? Stop Qualia Collection Services 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 QCS phone harassment by contacting the collection services phone number to clarify the debt’s legitimacy. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. If Qualia Collection Services violates your rights under laws such as the FDCPA, EFTA, or FCRA, you should document all interactions and seek legal recourse.
⚠️Is Qualia Collection Services a Scam❓
According to the Better Business Bureau website, Qualia Collection Services has been in business for 3 years. There have been 59 customer complaints closed in the last 3 years and 36 customer complaints closed in the last 12 months.
🔎Who is Qualia Collection Services❓
Qualia Collection Services is third-party debt collector located in Petaluma, California. Qualia Collection Service is a debt collection agency that specializes in recovering outstanding debts for a range of clients, including financial institutions, healthcare providers, telecommunications companies, and more. The specific creditors that Qualia Collection Services collect debts for can be ambiguous and often change frequently, with this information typically not disclosed to the public. Established with a focus on ethical debt collection practices, Qualia Collection Service aims to provide effective solutions while upholding consumer rights and compliance with relevant regulations. However, it is important to note that Qualia Collection Services typically does not accept goodwill letters for the removal of collection records or charge-offs, a trend common among collection agencies.
Address: Po Box 4699
Petaluma, CA 94955
Phone: (844) 598-5454
🏦What is a Debt Collection Agency❓
A debt collection agency is a company that specializes in collecting debts on behalf of creditors. These agencies typically purchase debts from creditors at a discounted rate and then attempt to collect the full amount from the debtor. Debt collection agencies, like Qualia Collection Services, may use various tactics to collect debts, including phone calls, letters, and emails. It’s essential to understand that debt collection agencies are governed by federal and state laws, such as the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which regulate their behavior and protect consumers’ rights.
🧾Some common examples of fair debt collection practices violations include:
- Repeated and Excessive Contact: Debt collectors may engage in relentless and excessive communication with consumers, including frequent phone calls, letters, emails, and text messages. Having a collections account on your credit report can further complicate matters, as it often leads to a lowered credit score and can impact your financial opportunities. This constant bombardment can be overwhelming and stressful, leading to anxiety, depression, and sleep disturbances.
- Threats and Intimidation: Debt collectors may use threatening language or intimidation tactics to coerce consumers into making payments on debts, even if they cannot afford to do so. This can include threats of legal action, wage garnishment, or repossession of assets.
- False or Misleading Statements: Debt collectors may make false or misleading statements to consumers in an attempt to pressure them into paying debts. This can include misrepresenting the amount owed, the consequences of non-payment, or the debt collector’s authority to take legal action.
- Harassment of Third Parties: Debt collectors may contact friends, family members, neighbors, or employers of the consumer in an attempt to shame or embarrass them into paying debts. This invasion of privacy and harassment of third parties is a violation of the Fair Debt Collection Practices Act (FDCPA).
- Exploitation of Vulnerability: Debt collectors may target vulnerable consumers, such as older people, individuals with disabilities, or those facing financial hardship, and exploit their vulnerabilities for financial gain. This can include taking advantage of cognitive impairment, language barriers, or lack of understanding of consumer rights.
Debt collection harassment is prohibited by federal law, specifically the Fair Debt Collection Practices Act (FDCPA), which sets guidelines for acceptable debt collection practices and provides remedies for consumers who experience harassment. Consumers who believe they are being harassed by debt collectors should document the harassment, assert their rights under the FDCPA, and seek legal assistance if necessary to stop the harassment and hold the debt collectors accountable.
🎯How to Verify a Debt with Qualia Collection Services
Verifying a debt with Qualia Collection Services is crucial to ensure that the debt is legitimate and accurate. To verify a debt, you can request a debt validation letter from Qualia Collection Services, which should include the following information:
- The original creditor’s name and address
- The amount of the debt
- A detailed breakdown of the debt, including any interest or fees
- A statement indicating that the debt is valid and accurate
You can also request a copy of the original contract or agreement that created the debt. If Qualia Collection Services is unable to provide this information, you may be able to dispute the debt and have it removed from your credit report.
💡Understanding Your Rights with Qualia Collection Services
As a consumer, you have rights when dealing with Qualia Collection Services or any other debt collection agency. These rights are protected by federal and state laws, including the FDCPA and FCRA. Some of your rights include:
- The right to dispute a debt and have it removed from your credit report if it’s inaccurate or invalid
- The right to request a debt validation letter and a copy of the original contract or agreement
- The right to stop Qualia Collection Services from calling you by sending a cease-and-desist letter
- The right to sue Qualia Collection Services if they violate the FDCPA or FCRA
It’s essential to understand your rights and assert them if necessary to protect yourself from unfair debt collection practices.
🛑How to Stop Qualia Collection Services from Calling You
If you’re receiving unwanted calls from Qualia Collection Services, you can stop them by sending a cease-and-desist letter. This letter should include the following information:
- Your name and address
- The account number or reference number associated with the debt
- A statement indicating that you want Qualia Collection Services to stop calling you
- A request for written communication only
You can send the cease-and-desist letter to Qualia Collection Services via certified mail, and they should stop calling you within a few days. If they continue to call you, you may be able to sue them for violating the FDCPA.
📋Removing a Collection Account from Your Credit Report
Removing a collection account from your credit report can be challenging, but it’s possible if the account is inaccurate or invalid. To remove a collection account, you can:
- Dispute the account with the credit bureaus and provide evidence to support your dispute
- Negotiate a pay-for-delete agreement with Qualia Collection Services, where they agree to remove the account from your credit report in exchange for payment
- Seek the help of a credit repair company or a consumer law attorney to assist you in removing the account
It’s essential to understand that removing a collection account from your credit report can take time and effort, but it’s worth it to improve your credit score and overall financial health.
📞Qualia Collection Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
888-604-0690, 855-610-6131, 707-795-7112, 707-238-5176, 844-598-5454, (888) 604-0690, (855) 610-6131, (707) 795-7112, (707) 238-5176, (844)598-5454, 8886040690, 8556106131, 7077957112, 7072385176, 8445985454
If the answer is yes, then you are receiving calls from a known QCS number. You may be a victim of QCS phone harassment. The list above is not all the numbers that QCS uses. The calls can be from a different number, and it still be Qualia Collection Services calling you. Qualia Collection Services hurt your credit score significantly, as their listings can remain on your credit report for up to seven years, reflecting financial difficulty and decreasing your creditworthiness. Contact our office right away so we can start the process to stop QCS from calling you illegally. Above all, no one should live with harassment!
🏷️Common Questions
Is QCS a scam❓
No, Qualia Collection Services has been in business for 3 years.
Can Qualia Collection Services garnish my wages❓
Yes, QCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can QCS sue me❓
Yes, QCS can sue you so long as the debt is within the statute of limitations.
Can QCS report my debt to the collection’s bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report.
Can QCS 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 Qualia Collection Services in the past year and can be found on Pacer.gov.
8:19-cv-01185-JFW-KES Eric Rush v. Qualia Collection Services
1:17-cv-00191-JTN-ESC Premil v. Qualia Collection Services
6:17-cv-00278-RP-JCM Sabillon v. Qualia Collection Services
🏛️About Us
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. Rather than suffer alone, contact our office to begin the process to stop the Qualia Collection Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
🏆Success Stories
“Qualia Collection Services was calling me non-stop, even after I told them they had the wrong person. It was incredibly stressful. Consumer Rights Law Firm PLLC took my call seriously, explained my rights under the FDCPA, and sent Qualia a cease-and-desist letter. The harassing calls stopped almost immediately. I’m so grateful for their quick action and expertise!”
“Qualia Collection Services was threatening to report a debt on my credit report that I was actively disputing. I was worried about the damage to my score. Consumer Rights Law Firm PLLC stepped in and clearly communicated my rights to Qualia. They ensured Qualia understood the legal requirements during a dispute, and the threats stopped. They really know how to protect consumers!”
“Dealing with Qualia Collection Services was overwhelming. They were aggressive and wouldn’t listen. Consumer Rights Law Firm PLLC took over communication, shielding me from their unprofessional behavior. They were knowledgeable, explained my options clearly, and ultimately helped me reach a reasonable resolution without the constant harassment. Highly recommend their services!”
