Are you receiving repeated calls, voicemails, or messages from Simon’s Agency? Are they demanding payment, contacting your workplace, or pressuring you to act quickly?
If so, you may be protected under federal and state consumer laws. In many cases, these calls can be stopped, and you may be entitled to compensation.
Who Is Simon’s Agency, Inc.?
Simon’s Agency, Inc. is a third-party debt collection agency based in Liverpool, New York. Founded in 1966, the company collects consumer, medical, and retail-related debts.
- Business Address:
4963 Wintersweet Drive, Liverpool, NY 13088 - Main Phone: (315) 454-8700
Like many collection agencies, Simon’s Agency may contact consumers on behalf of original creditors.
Is Simon’s Agency a Scam?
According to the Better Business Bureau website, Simon’s Agency has been in business since 1966. There have been 43 complaints closed in the last 3 years and 16 complaints closed out in the last 12 months.
Simon’s Agency Phone Numbers
| 315-454-8700 | 315-454-8833 | 844-585-8833 |
| 315-454-8688 | 315-849-4154 | 866-454-8701 |
| 908-428-4747 | 315-849-4162 | 315-930-4346 |
| 973-718-7776 | 908-758-5900 | 732-847-4293 |
Why Is Simon’s Agency Contacting You?
They may be calling because:
You have an unpaid medical, credit card, or retail account
An old account was transferred or sold to collections
They believe you owe a debt (sometimes incorrectly)
Your phone number is linked to someone else’s account
Never assume the debt is valid until it is verified in writing.
Common Complaints Reported by Consumers
Based on public reviews and complaints, some consumers report:
Difficulty obtaining written debt validation
Calls about unfamiliar accounts
Pressure to pay immediately
Not every interaction is improper, but certain patterns may violate the law.
When Collection Calls Become Illegal
| Law | What It Covers | Illegal Examples | Your Rights |
|---|---|---|---|
| FDCPA | Harassment and deception | Calls before 8 a.m./after 9 p.m. Ignoring stop requestsContacting relativesThreats or lies | Up to $1,000 damagesLegal fees paidCalls must stop |
| TCPA | Robocalls and auto-dialers | Prerecorded messages Auto-calls to cell phonesSilent calls | $500–$1,500 per call |
| EFTA | Bank withdrawals | Unauthorized debits. Overcharging. Payments after cancellation | Refunds possible damages |
| FCRA | Credit reporting | Wrong balances Missing “disputed” tag No investigation | Error removal up to $1,000 damages |
What to Do in the First 24 Hours
If you are being harassed, take these steps immediately:
Step 1: Do Not Admit the Debt: Do not confirm ownership until verified.
Step 2: Request Written Validation: Ask for proof of the debt within 30 days.
Step 3: Document Everything: Save voicemails, screenshots, and call logs.
Step 4: Check Your Credit Reports: Review Experian, Equifax, and TransUnion.
Step 5: Limit Phone Communication: Communicate in writing when possible.
How to Make Simon’s Agency Stop Calling
You have several legal options:
Send a Cease-and-Desist Letter
This requires them to stop contacting you except for legal notices.
Submit a Debt Dispute
Forces verification before further collection.
Block Calls (After Evidence Is Saved)
Helps reduce stress but keep records first.
File Complaints If Necessary
- Federal Trade Commission (FTC)
State Attorney General
Should You Pay, Settle, or Dispute?
| Option | Pros | Cons |
|---|---|---|
| Pay in Full | Ends collection | May not remove credit entry |
| Settle | Lower balance | Credit impact remains |
| Dispute | May remove invalid debt | Takes time |
Always get settlement terms in writing.
Can Simon’s Agency Sue or Garnish You?
Can They Sue Me?
Debt collectors can file lawsuits, but many accounts are handled without litigation. If you receive court papers, respond immediately.
Can They Garnish My Wages?
No, not without a court judgment (except limited government debts).
Threats without a judgment may violate the FDCPA.
Credit Report Impact Explained
A collection account from Simon’s Agency can:
Lower your credit score, especially if the debt is recent or unpaid
Make it harder to qualify for loans, credit cards, housing, or some jobs
Remain on your credit report for up to seven years from the original delinquency date
If the account is reported incorrectly, you can:
Require the collector to investigate within 30 days
Request removal if the information cannot be verified
Improve your score if inaccurate data is corrected
Simon’s Agency Complaints
The following is a sample list of complaints filed against Simon’s Agency and can be found on Pacer.gov.
- 📝 2:19-cv-01424-AB HUBER v.
- 📝 6:19-cv-00114-FJS-TWD Palmer v.
- 📝 3:18-cv-16795-FLW-DEA CHEHEBAR v.
- 📝 2:18-cv-16454-KSH-CLW RODRIGUEZ v.
- 📝 3:18-cv-15809-BRM-LHG MARCUS v.
If you believe your rights have been violated, speaking with a consumer protection attorney can help you understand your options and stop unlawful contact.
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 Simon’s Agency 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 Simon’s Agency debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “I contacted Consumer Rights Law Firm regarding a credit card matter and was assisted by Attorney Derek DePetrillo. He was articulate and very knowledgeable about consumer rights and the process of working with credit card companies. He took the time to listen to my concerns, answered all of my questions, and thoroughly explained the case process. He responded to questions and sent out emails in a timely manner. I highly recommend Derek and his team.”
- 🏆 “Matt was very helpful, quick, and very informative with my Simon’s Agency debt collection harassment case. I am super appreciative for his help! He asked for the details and then did all the work for me, I didn’t even have to lift a finger!”
- 🏆 “I can’t believe what just happened! I highly recommend Consumer Rights Law Firm for helping me with credit card company harrassment what a life changer! Don’t hesitate JUST DO IT! TRUST THEM! Matthew is been really really helpful!”
FAQs
Is Simon’s Agency a scam?
No, Simon’s Agency has been in business since 1966.
Can Simon’s Agency seize my property?
Simon’s Agency 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 Simon’s Agency sue me?
Yes, Simon’s collection agency can sue you so long as the debt is within the statute of limitations.
Can Simon’s Agency report my debt to the collections bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report. Even if you have paid the debt, it can still appear on your credit report for up to 7 years.
Can Simon’s Agency 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.
Does Simon’s Agency have to stop calling if I send a cease-and-desist letter?
Yes. Once you send a written cease-and-desist request, they are only allowed to contact you to confirm they received it or to notify you of legal action. Continued calls may count as harassment under the FDCPA.
What should I do if Simon’s Agency is calling multiple times a day?
Keep a detailed log of every call, then send a written request for them to stop. If the calls continue, you should use your legsl right and file complaints with the CFPB, FTC, or your state attorney general.
Can Simon’s Agency contact my family or workplace about my debt?
They can only contact third parties to confirm your contact information. Discussing your debt with relatives, neighbors, or your employer is prohibited and could be an FDCPA violation.
How long can Simon’s Agency pursue a debt?
They may attempt to collect indefinitely, but once the debt passes the statute of limitations in your state, they can no longer legally sue you to collect.
What proof can I ask Simon’s Agency to provide about the debt?
You can demand debt validation in writing within 30 days of their first contact. They must provide the original creditor’s name, the amount owed, and evidence that the debt belongs to you.
