Scott & Associates Debt Collection Harassment
Tired of Scott & Associates Debt Collection Harassment? Wish there was a way to make the calls stop? Is Scott & Associates constantly calling and harassing you? Does your phone ring every day, several times per day, because Scott & Associates is calling you to demand payment? Threatening you with legal action? Has Scott & Associates ever used abusive or profane language when speaking with you on the phone? If so, Scott & Associates may be violating your legal rights. Stop the harassment.
The 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. If a collector violates the FDCPA, you can sue the collector in court. 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.
Is Scott & Associates a scam?
According to the Better Business Bureau website, Scott & Associates has been in business since 2000. There have been 24 complaints closed in the last 3 years and 8 complaints closed out in the last 12 months.
Read more here: Scott & Associates Better Business Bureau.
Who is Scott & Associates?
Scott & Associates is third party debt collector located in Carrollton, Texas. They have been a party to over 60 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court cases alleges that Scott & Associates used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 1120 Metrocrest Drive Carrollton, TX 75006
Phone: 469) 568-8775
Fax: (214) 234-8454
Scott & Associates Debt Collection Harassment Tactics
If Scott & 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
- ➢ 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 information to the credit bureaus
- ➢ Cause a telephone to ring an unreasonable amount of times
Scott & Associates Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- ☎️ 866-298-3155
- ☎️ 469-568-8775
If so, you may be a victim of Scott & Associates debt collection harassment. The list above is not all the numbers that Scott & Associates uses. Also, calls can be from different phone numbers and it still be Scott & Associates calling you. Contact our office right away so we can start the process to stop Scott & Associates from calling you illegally. Above all, no one should live with harassment.
Checking Your Credit Report After Contact from Scott & Associates
If you’ve been contacted by Scott & Associates or are experiencing debt collection harassment, one of the most important steps you can take is to check your credit report. Monitoring your credit report is essential for protecting your financial health and ensuring that any information reported by debt collectors is accurate and up to date.
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors like Scott & Associates are required to provide accurate information about any debts they claim you owe. However, mistakes can happen—accounts may be reported incorrectly, payments might not be reflected, or debts could be listed that you don’t recognize. That’s why it’s crucial for consumers to regularly review their credit reports, especially after receiving calls or notices from a debt collector.
You are entitled to a free credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion—once every year. To obtain your reports, visit the official website or contact the credit bureaus directly. When reviewing your credit report, pay close attention to any new accounts, collection entries, or changes related to Scott & Associates. Look for errors such as incorrect balances, outdated payment histories, or debts that don’t belong to you.
If you spot any inaccuracies, you have the right to dispute them. File a dispute with the credit bureau that is reporting the error, and provide any supporting documentation you have. The credit bureau is required to investigate your claim and correct any verified mistakes, helping to protect your credit score and prevent further issues with debt collectors.
It’s also wise to keep detailed records of all communication with Scott & Associates, including phone calls, letters, emails, and any agreements or payment arrangements. These records can be invaluable if you need to file a complaint, dispute a debt, or take legal action. The Better Business Bureau (BBB) is another resource you can use to check the reputation of Scott & Associates, file complaints, and read reviews from other consumers who have dealt with the company.
Remember, you have the right to protect yourself from unfair debt collection practices. If Scott & Associates or any other debt collector violates your rights, you may be entitled to statutory damages, attorney fees, and court costs. Consulting with a law firm experienced in debt collection harassment can help you understand your options and take the necessary steps to stop the calls and protect your financial future.
By staying proactive—monitoring your credit report, keeping thorough records, and knowing your rights—you can take control of your financial life and stop Scott & Associates debt collection harassment in its tracks.
Complaints Against Scott & Associates
The following is a sample list of complaints filed against Scott & Associates and can be found on Pacer.gov.
- 📋 4:19-cv-00870 Vital v.
- 📋 3:19-cv-00022 Greiner v.
- 📋 4:18-cv-02759 Smitherman v.
- 📋 5:18-cv-00630-OLG Reyes v.
- 📋 1:17-cv-00875-CMH-JFA Dumas v.
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 Scott & 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 Scott & Associates debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
🏆 Matt and Derek worked as a team to get me a fair and adequate solution for my concern. They kept me updated throughout the whole process and answered any questions I had. I would highly recommend them.
🏆 I give Consumer Rights Law Firm Beyond Billboard and a thousand stars -Dereck has provided exceptional guidance and support throughout my case. His expertise, professionalism, and dedication were outstanding! He listened attentively to my concerns, explained complex legal concepts clearly, and worked tirelessly to achieve the very best possible outcome. I highly recommend Consumer Rights Law Firm to everyone for their phenomenal help and commitment to myself and their their clients
🏆 Had a horrible experience with a debt collector. Threats and constant phone calls – it was a living nightmare! Got hold of the Consumer Rights Law Firm and within 72 hours all the calls and threats stopped!!! Within a few months – the debt collector paid my debt and all the costs associated with the resolution!!! I can’t thank this law firm enough and I wish I could recommend them by as many stars as there is in heaven!!!
Frequently Asked Questions
1. Why is Scott & Associates calling me?
Scott & Associates may be calling you to collect a debt on behalf of a creditor. They are a third-party debt collection agency that contacts consumers about unpaid accounts.
2. What is considered phone harassment by Scott & Associates?
Phone harassment includes repeated calls, threats, abusive language, or contacting you before 8 AM or after 9 PM. Continuing calls after a written request to stop may also be harassment.
3. Are robocalls from Scott & Associates legal?
Robocalls from Scott & Associates are illegal if you never provided prior written consent. Such calls may violate the Telephone Consumer Protection Act (TCPA).
4. Can I stop Scott & Associates from contacting me?
Yes. You can send Scott & Associates a cease-and-desist letter. Once received, they must stop contacting you except to confirm receipt or take legal action.
5. What if I don’t owe the debt Scott & Associates is collecting?
If you believe you don’t owe the debt, you can dispute it in writing within 30 days of their first contact. Scott & Associates must verify the debt before continuing collection.
6. Can I sue Scott & Associates for debt collection harassment?
Yes. If Scott & Associates violates the FDCPA or TCPA, you may have grounds to sue for damages and stop further harassment.
7. How should I document calls from Scott & Associates?
Record all call times, note conversations, save voicemails, and keep any letters or emails. This documentation is important if you pursue legal action.
8. Does Scott & Associates have the right to sue me?
Scott & Associates may sue if the debt is valid and within the statute of limitations. However, many cases can be resolved through negotiation or legal defense.
9. What are my rights under the FDCPA regarding Scott & Associates?
The FDCPA protects you from abusive or unfair collection practices. Scott & Associates cannot threaten, lie, or continue to call you after a written request to stop.
10. Who can help me stop Scott & Associates phone harassment?
Consumer protection lawyers or law firms like Consumer Rights Law Firm PLLC can help you stop Scott & Associates harassment and file a claim for damages.