Who is PPM Capital, Inc. and why are they calling me?

PPM Capital, Inc. is a third-party debt collection agency based in New York, contacting consumers about alleged debts they believe are owed.

What constitutes phone harassment by PPM Capital, Inc.?

Phone harassment from PPM Capital, Inc. may include excessive calls, use of obscene or threatening language, calling at inconvenient times, or contacting you at your workplace—any of which may violate the Fair Debt Collection Practices Act (FDCPA).

Can PPM Capital, Inc. call me multiple times a day?

No. Repeated or continuous calls with the intent to annoy or harass you are prohibited under the FDCPA.

What are my rights under the FDCPA if PPM Capital, Inc. is harassing me?

Under the FDCPA, you can request debt validation in writing within 30 days, ask them to stop contacting you (a cease-and-desist request), and file complaints if they continue contacting you illegally.

Can I sue PPM Capital, Inc. for harassment?

Yes. If they violate the FDCPA—through abusive language or excessive calls—you may sue for statutory damages, actual harm, and attorney's fees.

Is it illegal for PPM Capital, Inc. to call me before 8 a.m. or after 9 p.m.?

Yes. FDCPA prohibits debt collectors from calling at inconvenient times, defined as before 8 a.m. or after 9 p.m., unless you’ve explicitly agreed to it.

What should I do if PPM Capital, Inc. contacts my employer about my debt?

Collectors may only contact your employer to verify employment, and only once. Anything more—especially discussing your debt—is a violation of your privacy rights.

Can PPM Capital, Inc. threaten legal action if they don’t intend to sue?

No. Making false threats of legal action, wage garnishment, arrest, or other legal consequences when there's no intention or authority to follow through is a violation of the FDCPA.

How do I validate the debt with PPM Capital, Inc.?

Within 30 days of their first contact, send a written debt validation request. They must then cease collection until they provide proof of the debt.

Can PPM Capital, Inc. use robo-dialing or automated systems to call me?

Only if you’ve provided prior express consent. Unwanted robocalls or automated dials may violate the Telephone Consumer Protection Act (TCPA).

Stop PPM Capital, Inc. Debt Collection Harassment

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Stop PPM Capital, Inc. Debt Collection Harassment?

Stop PPM Capital, Inc. Debt Collection Harassment? Dealing with debt can be stressful, but facing harassment from debt collectors makes the situation far worse. While debt collectors have the right to seek repayment, they must operate within the boundaries of the law. Unfortunately, many consumers experience aggressive tactics that cross the line into harassment. If this sounds familiar, you’re not alone, and you have rights to protect yourself. Stop PPM Capital, Inc. Debt Collection Harassment today.

Who is PPM Capital, Inc?

PPM Capital is a third-party debt collector located in New York.

Address:

561 Main St Suite 600

Tonawanda, NY 14150

Phone: 1-800-250-6387

Email: billingppm@usa.com

What Is Debt Collection Harassment?

Debt collection harassment refers to any abusive, unfair, or deceptive behavior by debt collectors while attempting to recover unpaid debts. Courts have decided numerous cases involving debt collection harassment, establishing legal precedents and enforcement actions that clarify what constitutes a violation. Such actions are prohibited under the Fair Debt Collection Practices Act (FDCPA), a federal law designed to protect consumers from unethical debt collection practices.

Examples of Debt Collection Harassment

Frequent and Excessive Calls: Calling multiple times a day to pressure you.
Inappropriate Timing: Contacting you before 8 a.m. or after 9 p.m. without your permission.
Abusive Language: Using threats, profanity, or derogatory remarks.
False Threats: Threatening legal action, arrest, or wage garnishment without basis.
Public Disclosure: Sharing details of your debt with unauthorized parties, like coworkers or neighbors.
Contacting You at Work: Ignoring requests to stop calling your workplace when prohibited by your employer.

Your Rights Under the FDCPA

The FDCPA grants consumers specific protections, including:

Written Validation: Collectors must provide written notice of your debt within five days of initial contact.
Cease Communication Requests: You can demand that the collector stop contacting you.
Prohibition of Harassment: Collectors cannot use abusive practices to collect a debt.
Protection Against False Representation: They cannot misrepresent the amount owed or their authority to collect it.

All debt collection activities must be conducted in accordance with the FDCPA to ensure consumer protection.

The Debt Collection Process

The debt collection process often begins when a creditor refers an unpaid account to a third-party debt collector, such as PPM Capital, Inc. These companies specialize in recovering various types of debt, including those from commercial, retail, healthcare, and other sectors. When PPM Capital, Inc. or similar debt collectors contact you, it’s important to understand your rights and the provisions of the Fair Debt Collection Practices Act (FDCPA) to prevent harassment and maintain control over your situation.

Upon initial contact, debt collectors are required to send you a written notice within five days. This notice must include the amount of the debt, the name of the original creditor, and a statement of your right to dispute the debt. If you believe the debt is not valid, you have the right to request verification, and the collector must provide documentation supporting their claim before they can continue collection efforts.

If you want to stop PPM Capital, Inc. from contacting you, you can submit a written cease and desist request. Once received, the company is legally required to stop contacting you about the debt, except to inform you of specific actions like filing a lawsuit. If they continue to make phone calls or send letters after your request, you have grounds to file a complaint with the Federal Trade Commission or your state Attorney General’s office. Persistent violations may entitle you to damages, including attorneys’ fees, and you can take legal action to protect your rights.

Sometimes, debt collectors may offer to create a payment plan to help you resolve your debt. While this can be a helpful option, it’s crucial to review all terms and conditions carefully before agreeing. Make sure you understand the payment schedule, any additional costs, and your obligations under the agreement. If you feel pressured or unsure, consider consulting an attorney or a reputable credit counseling service for guidance.

If PPM Capital, Inc. decides to pursue legal action, you will receive a summons and a complaint, typically requiring a response within a set number of days—often five days from receipt. Failing to respond can result in a default judgment, meaning the court may automatically rule in favor of the debt collector, allowing them to collect the debt plus additional costs. To protect yourself, respond promptly—ideally with the help of an attorney who can help you file an answer and assert your defenses.

Throughout the debt collection process, keep detailed records of all communications, including phone calls, letters, and emails. This documentation can be vital if you need to challenge the debt, file a complaint, or defend yourself in court. Researching companies like PPM Capital, Inc. can also help you understand their practices and reputation, empowering you to make informed decisions.

Remember, you have the right to control how and when debt collectors contact you. By understanding the FDCPA and your state’s laws, you can prevent harassment, protect your rights, and reduce the stress associated with debt collection. If you believe your rights have been violated, don’t hesitate to take action—file a complaint, seek legal advice, and assert your rights to ensure fair treatment throughout the process.

How to Handle Debt Collection Harassment

If you believe a debt collector’s actions are crossing the line, here are practical steps to address the issue:

It’s important to choose the best course of action based on your specific situation and legal options.

1. Document Everything

Keep records of all communications, including:

Dates and times of phone calls.
Names of individuals you spoke with.
Notes on what was said.
Copies of letters or emails.

Make an accurate entry of each communication in your records, as this can support your case if legal proceedings require evidence of default or non-response.

This evidence is critical if you need to escalate your case.

2. Request Validation of the Debt

Within 30 days of being contacted, you can request a written validation of the debt. If you dispute the debt, you may be served with legal documents requiring your response. This requires the collector to provide proof of the debt and their authority to collect it.

3. Send a Cease-and-Desist Letter

If you want the collector to stop contacting you, send a written cease-and-desist letter. Use certified mail with a return receipt to ensure delivery. Once received, the collector can only contact you to confirm they’ve stopped or to inform you of legal action.

If the collector continues to contact you after receiving your cease-and-desist letter, you may seek a court order to enforce your rights.

4. File a Complaint

If harassment continues, report the collector to:

The (CFPB) (consumerfinance.gov)
The Federal Trade Commission (FTC) (ftc.gov)
Your state’s attorney general’s office.

You can follow the provided links to file complaints or access additional resources related to debt collectors.

5. Seek Legal Assistance

Consult a consumer protection attorney if the harassment persists. If your requests to stop harassment have been denied, legal assistance may be necessary. You may be entitled to damages, and the collector could be required to cover your legal fees.

State Laws and Additional Protections

While the FDCPA is a federal law, many states have their own regulations that provide additional protections. In some states, cases of debt collection harassment may be referred to state agencies or courts for enforcement. Research your state’s laws to understand your full rights.

Empower Yourself Against Harassment

Debt collection can be overwhelming, but you don’t have to endure harassment. Taking proactive steps can lead to a positive change in the outcome of your case, as court decisions and legal strategies can change based on new evidence or actions you take. Understanding your rights and taking proactive steps can help you regain control and find a path forward. Remember, help is available, and you’re not alone.

Consumer Rights Law Firm

Consumer Rights Law Firm 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 PPM Capital, Inc. debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

For example, one client was served by PPM Capital, Inc. in December, and a court hearing took place in January. The client responded in February, and after several weeks, the case was dismissed in April. The courts established a sufficient connection and place for jurisdiction in Colorado, and payments were arranged as part of the resolution. This timeline demonstrates how legal proceedings can progress over a few weeks, leading to a favorable outcome for our client.

If you are interested in learning more about how to safeguard yourself and prevent harassment from PPM Capital, Inc. call us at for immediate assistance or visit our website at www.consumerlawfirmcenter.com

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.