Dealing with debt collection can be stressful, especially when calls, texts, or other contact cross the line into harassment. If you’ve been contacted by Shepherd Outsourcing LLC, it’s important to know your rights under federal law, including the Fair Debt Collection Practices Act (FDCPA). This guide will help you understand their practices, identify illegal behavior, and take practical steps to protect yourself.
Who Is Shepherd Outsourcing LLC?
Shepherd Outsourcing LLC is a legitimate debt collection agency that works with businesses across retail, medical, and property management sectors. While the company is registered and has a physical address, it has faced multiple complaints about harassing practices.
| Company Details | Information |
|---|---|
| Name | Shepherd Outsourcing LLC |
| Address | 777 Lowndes Hill Rd Bldg 1, Greenville, SC 29607-2101 |
| Phone Numbers | (855) 410-6059, 888-991-5696 |
| Industries Served | Retail, Medical, Property Management |
| BBB Complaints | 13 closed in the last 3 years |
Note: Being a legitimate company does not give them the right to harass debtors.
Is Shepherd Outsourcing a Scam?
Many consumers search whether Shepherd Outsourcing is a scam. While the company is legitimate, some complaints allege:
Frequent calls or texts, even after requests to stop.
High-pressure tactics to collect debts.
False or misleading statements about debts or legal action.
These practices may violate the FDCPA, even though the company itself is legitimate. Better Business Bureau Shepherd Outsourcing
Common Harassment Practices to Watch For
Debt collection harassment includes behavior that is threatening, misleading, or repetitive. Watch for these red flags from Shepherd Outsourcing:
Frequent calls at inconvenient times: Early mornings, late nights, or multiple calls per day.
Threats: Claims of arrest, lawsuits, or harm.
False representation: Pretending to be attorneys, law enforcement, or claiming more authority than allowed.
Third-party contact: Discussing your debt with family, friends, or employers without permission.
Text messages: Harassing or misleading texts to your phone.
Tip: Always document every call or text: dates, times, names, and content.
When Calls Are Legal vs Illegal
| Legal Behavior | Illegal / Harassment |
|---|---|
| Contacting you during business hours. | Calling early morning, late night, or excessively. |
| Sending notices of debt with accurate information. | Threatening arrest, wage garnishment, or lawsuits without basis. |
| Contacting you directly about your debt. | Sharing debt info with others without consent. |
| Requesting payment politely. | Using abusive or profane language |
How to Deal with Shepherd Outsourcing Harassment
Document Everything: Keep a log of calls, texts, and emails.
Request Debt Verification: Ask Shepherd Outsourcing to provide proof of the debt in writing.
Send a Cease & Desist Letter: Formally request that they stop contacting you.
File a Complaint : Report harassment to the FTC, or Better Business Bureau.
Consult an Attorney: A consumer protection attorney can help enforce your rights if harassment continues.
Credit Score Impact & Settlement Pros / Cons
| Action | Impact on Credit | Pros | Cons |
|---|---|---|---|
| Pay the debt in full | May improve credit if reported | Stops harassment, resolves debt | May not reduce total owed |
| Negotiate settlement | May be reported as “settled” | Partial payment reduces debt, stops calls | Can slightly impact credit |
| Dispute debt | No immediate impact | May remove invalid debt, stop harassment | Time-consuming, may not guarantee resolution |
| Ignore calls | Debt may grow | None | Calls continue, potential legal action, credit score damage |
Get Legal Help!
Consumer Rights Law Firm is a law firm that specializes in helping clients who are facing Shepherd Outsourcing LLC debt collection harassment from debt collectors in any form, including telephone communication. We give Shepherd Outsourcing LLC Debt Collection harassment help. Rather than suffer alone, contact our office to begin the process to stop the Commercial Acceptance Company 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 harassment from Transworld, Inc. call us at for immediate assistance or visit our website.
FAQs
Why does Shepherd Outsourcing keep calling me?
They may be attempting to collect a debt. If calls are frequent or abusive, it may violate FDCPA rules.
Is Shepherd Outsourcing LLC a legitimate debt collector or a scam?
They are a legitimate, licensed debt collection firm. However, many consumers report receiving unauthorized calls or texts, which may constitute FDCPA violations if they persist after you request validation or cease communication.
What counts as harassment by Shepherd Outsourcing LLC?
Harassment includes repetitive, excessive calls or texts, threatening language, contacting at inconvenient hours, or using spoofed numbers. These actions violate federal law under the FDCPA.
How do I make Shepherd Outsourcing LLC stop calling or texting me?
Send a written cease-and-desist letter or dispute the debt in writing within 30 days. Document each communication and, if they continue contacting you, report them to the CFPB, FTC, or your state attorney general.
Can I sue Shepherd Outsourcing LLC for harassment?
Yes. If they violate the FDCPA (e.g., through harassment or false representation), you may file a lawsuit to recover statutory damages, actual damages, and attorney’s fees.
Why is Shepherd Outsourcing texting me instead of calling?
Debt collectors are allowed to use text messages, but they must still follow FDCPA rules. If the texts contain threats, false claims, or excessive contact, it may be considered harassment.
Can Shepherd Outsourcing contact my family or employer about my debt?
They cannot legally discuss your debt with relatives or employers. At most, they may confirm your contact details. Sharing debt information with third parties could be an FDCPA violation.
What should I do if Shepherd Outsourcing calls me multiple times per day?
Keep a written log of every call, then send a written request asking them to stop. If the calls continue, you can file complaints with the CFPB, FTC, or seek legal action.
Does Shepherd Outsourcing have to provide proof of my debt?
Yes. You have the right to request debt validation within 30 days of their first contact. Without proof, they cannot legally continue collection attempts.
Can Shepherd Outsourcing still collect if the debt is very old?
They may attempt to collect, but if the debt is past your state’s statute of limitations, they cannot legally sue you. Making a payment on old debt could restart the clock, so always verify before paying.
How can I report Shepherd Outsourcing for harassment?
You can file complaints with the (CFPB), the Federal Trade Commission (FTC), your state attorney general, or the Better Business Bureau (BBB). Keep all call logs and texts as evidence.
