Introduction to Debt Collection
Debt collection is a process where debt collectors, such as Stevens Business Service, work to recover money owed by consumers to various creditors. When you fall behind on payments, your original creditor may hire a debt collection agency like Stevens Business Service to collect the outstanding debt. This process can involve multiple steps, including phone calls, letters, and even reporting the debt to credit bureaus.
A key part of debt collection is the impact it can have on your credit report. Credit bureaus—such as Equifax, Experian, and TransUnion—maintain records of your credit history, including any collection accounts reported by agencies like Stevens Business Service. When a collection account appears on your credit report, it signals to other businesses and lenders that you have had trouble managing your debts. This can make it harder to get approved for new credit, loans, or even certain services.
Debt collectors and collection agencies are required to follow specific rules and regulations when contacting consumers. However, the process can still be stressful and confusing, especially if you are unsure about the debt or the legitimacy of the business service contacting you. Understanding how debt collection works and knowing your rights can help you manage the situation more effectively and protect your financial health.
Stevens Business Service Phone Harassment?
When Stevens Business Services calls you, it is important to know your rights, especially if you are receiving harassing calls from them. Stevens Business Services is a third party debt collector who is usually granted access to delinquent accounts by creditors and asked to pursue and recover the debts. However, this is not the only possible reason Stevens Business Services may be calling you.
Stevens Business Services can call you for many different reasons. It could be because of a debt you owe, to tell you about your debt status, or just to get the phone number or address of a friend or family member from you.
Whatever they may be calling for, Stevens Business Services has no right to harass you when they call.
If Stevens Business Services is calling you about a debt you actually owe, then you’re undergoing Stevens Business Services debt collection.
Most times, it is best to handle a debt while it is still at the level of the creditor. Before it gets transferred to the hands of collection agencies.
When things get into the hands of collection agencies, it may begin to get messy because most debt collectors have little patience. So you may begin to experience Stevens Business Services phone harassment, including harassing calls.
If you’re experiencing Stevens Business Services phone harassment, understand that your rights have been violated and you can put a stop to it. When dealing with harassing calls, remember you are protected by laws such as the FDCPA, which limit how and when debt collectors can contact you.
If you believe your rights have been violated, it is important to know how to respond to harassing calls from Stevens Business Services. Responding in writing and keeping records can help you protect yourself and assert your rights.
Stevens Business Services debt collection does not have to stress you out. Contact us now if you suspect that your rights have been violated.
The FDCPA
The FDCPA is an acronym for Fair Debt Collection Practices Act, a federal law that was enacted to protect consumers by regulating and controlling debt collectors and their collection methods. Federal laws like the FDCPA are designed to inform and protect consumers from abusive debt collection practices.
Enacting this law was in response to the several complaints of people concerning the unfair and abusive methods debt collectors employed in their collection processes.
This is why the FDCPA laid down rules that debt collectors like Stevens Business Services have to follow or they will attract penalties.
According to the FDCPA,
Stevens Business Services is not allowed to call your phones many times a day with the intent of annoying you.
Stevens Business Services should not threaten you with lawsuits that they do not intend on filing
Stevens Business Services should not threaten to send you to jail. You can’t go to jail over a debt.
Stevens Business Services should not harass you over debts you do not owe.
They should not threaten physical harm to you.
It is illegal for Stevens Business Services to tell any third party about your debt
Debt collectors must inform you about the details of the debt they are attempting to collect.
If any of the above is done during Stevens Business Services debt collection, then they are violating the FDCPA.
Stevens Business Service a Scam?
Stevens Business Service is a legit company that has been operating for many years and is not a scam.
According to the Better Business Bureau website, Stevens Business Service has been in business for 66 years. There have been 11 complaints filed against SBS with the BBB. Consumers can review complaints and feedback about Stevens Business Service on the BBB website to better understand common issues and the company’s reputation.
Stevens Business Service Better Business Bureau
Who is Stevens Business Service?
Stevens Business Service is a debt collection company and third party debt collector located in Lowell, Massachusetts.
Address: 92 Bolt St Ste 1
Lowell, MA 01852-5316
Phone: (800) 371-8336
Stevens Business Service Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-769-0375, 978-458-8336, 978-458-2500, (800) 769-0375, (978) 458-8336, (978) 458-2500, 8007690375, 9784588336, 9784582500
If the answer is yes, then you are receiving calls from a known SBS number. You may be a victim of SBS phone harassment. The list above is not all the numbers that SBS uses. The calls can be from a different number and it still be Stevens Business Service calling you. Contact our office right away so we can start the process to stop SBS from calling you illegally. There are steps you can take to stop Stevens Business Service from contacting you and to remove Stevens Business Service from your credit report if the debt is inaccurate. Above all, no one should live with harassment!
Impact on Credit Report
When a debt collector like Stevens Business Service reports a collection account to the credit bureaus, the consequences can be long-lasting. A collection account can remain on your credit report for up to seven years from the date of the original delinquency, regardless of whether you eventually pay the debt. This negative mark can lower your credit score, making it more difficult to qualify for credit cards, loans, or even rental housing. Lenders may view you as a higher risk, which can result in higher interest rates and less favorable terms.
It’s important to be aware of your rights under fair debt collection practices. If you believe that Stevens Business Service or any other debt collector has reported inaccurate information, you have the right to dispute the collection account with the credit bureaus. You can also request validation of the debt from the debt collector to ensure the debt amount is correct and that you actually owe it.
For consumers struggling with the effects of debt collection on their credit reports, working with a reputable credit repair company can be a helpful step. These companies specialize in helping consumers remove inaccurate or unfair collection accounts from their credit reports, guiding you through the process of disputing errors and stopping unwanted calls from debt collectors. By taking action to resolve disputes and manage your accounts, you can protect yourself from harassment and work toward improving your credit standing. Remember, you have the right to fair treatment and accurate reporting—don’t hesitate to use the tools and services available to you to safeguard your financial future.
Common Questions
Is SBS a scam? No, Stevens Business Service has been in business for 66 years.
Can Stevens Business Service garnish my wages? Yes, SBS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Federal laws may limit the amount that can be garnished, and co-signers may also be affected if they are responsible for the debt.
Can SBS sue me? Yes, SBS can sue you so long as the debt is within the statute of limitations. While a lawsuit is possible, you can respond by requesting debt validation, negotiating a settlement, or seeking legal advice to protect your rights.
Can SBS report my debt to the collections bureaus? Yes, debt collectors are allowed to place the collection account on your credit report. Paying the debt may not automatically remove the negative mark, but you can try negotiating a settlement or a pay-for-delete agreement to improve your credit report.
Can SBS 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 Stevens Business Service in the past year and can be found on Pacer.org.
2:10-cv-14152-XXXX Vincent v. Stevens Business Service
4:11-cv-00194-HLM Adams v. Stevens Business Service
1:11-cv-11523-RWZ Tascon v. Stevens Business Service
1:12-cv-10846-DPW Albert v. Stevens Business Service
1:09-cv-04596-NGG-RER Klein v. Stevens Business Service
If you want to address negative information from Stevens Business Service on your credit report, you can send a letter to dispute inaccuracies or request debt validation. Some consumers also use a goodwill letter to ask SBS or the creditor to remove negative marks as an act of goodwill, especially if you have a positive payment history. While success is not guaranteed, written communication is an important tool for negotiating with debt collectors and improving your credit.
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 Stevens Business Service harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Stevens Business Service call us at
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
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