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Tate and Kirklin Associates Phone Harassment?

  • Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
  • Is a debt collector demanding payment without providing proof that the debt is valid?
  • If so, we’ll take immediate action to stop the harassing calls!
  • You could be eligible for up to $1,000 in statutory damages.
  • Remember, you won’t be responsible for any legal fees.

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If your phone keeps ringing with calls from Tate & Kirlin Associates and you’re not sure how to respond, you’re not alone. Many people find themselves in this situation, some recognize the debt but feel overwhelmed by frequent calls, while others are confused or unsure if the debt is even theirs.

What matters most right now is that you have rights. Receiving repeated calls from a debt collector doesn’t mean you have to feel pressured or uncertain about what to do next. This will help you understand who Tate & Kirlin Associates are, why they may be contacting you, and the practical steps you can take to handle the situation with confidence.

What Is Tate & Kirlin Associates?

Tate & Kirlin Associates, commonly abbreviated as TKA, is a third-party debt collection agency based in Pennsylvania. It was established in 1993. The company is owned and managed by Harold Tate (President) and Harry Kirlin (Vice President), with Joseph Moyett serving as Managing Member. TKA operates nationally, collecting delinquent consumer debts on behalf of creditors, banks, credit card issuers, healthcare systems, and other businesses across the United States.

Official Company Information (Verified via BBB and tate-kirlin.com):

  • Full Name: Tate & Kirlin Associates, Inc. (also known as TKA)
  • Also Known As: Tate and Kirlin, TKA Collections, TKA PCN
  • Founded: 1993
  • President: Harold Tate
  • Vice President: Harry Kirlin
  • Managing Member: Joseph Moyett
  • Headquarters: 4800 East Street Road, Suite 170, Feasterville Trevose, PA 19053
  • Secondary Location: 350 S Main St, Suite 217, Doylestown, PA 18901
  • Former Address: 580 Middletown Blvd., Suite 240, Langhorne, PA 19047
  • Primary Phone: (215) 464-4500
  • Toll-Free: 1-800-355-0333
  • Official Website: tate-kirlin.com
  • BBB Accredited: No, Tate & Kirlin Associates is not BBB accredited
  • BBB Record: Failed to respond to 22 consumer complaints; BBB issued a public Alert in early 2017 regarding an emerging pattern of consumer complaints
  • Estimated Staff: 240 to 499 employees
  • Estimated Annual Revenue: Approximately $21 million
  • Type: Third-Party Debt Collector, regulated under the FDCPA, FCRA, and TCPA

One thing we make clear to every client who comes to us about TKA: the absence of BBB accreditation combined with 22 unanswered formal complaints is not a trivial detail. It tells you something about how the company prioritizes consumer relations and it is part of why we see them regularly in the cases we handle.

What Type of Debt Does Tate & Kirlin Associates Collect?

Tate & Kirlin Associates is calling because a creditor a bank, credit card company, healthcare provider, or other business has placed a delinquent account with them for collection. TKA does not originate debt. It collects on behalf of original creditors who have stopped internal collection efforts or may be servicing debt purchased by a debt buyer. At Consumer Rights Law Firm PLLC, we regularly see these types of collection accounts involving Tate & Kirlin Associates brought to us by clients.

Based on verified consumer complaint records and public BBB filings, TKA has been reported collecting for:

  • Major banks such as US Bank, Capital One, and accounts linked to Washington Mutual (now Chase)
  • Retail credit cards, including JC Penney and other national store cards
  • Healthcare providers and medical billing accounts
  • Home security companies such as ADT Security Systems
  • Consumer leasing companies like Smart Pay Leasing
  • Debt buyers such as LVNV Funding / Resurgent Capital
  • Other charged-off consumer debts referred by original creditors

Because of this wide client base, the debt being referenced may be old, transferred between multiple companies, or even previously settled or discharged, which is something many consumers report experiencing.

If you do not recognize the debt, do not assume it is valid. Request written debt validation before taking any further action.

Is Tate & Kirlin Associates a Scam?

Tate & Kirlin Associates is a real debt collection agency, not a scam. However, scammers sometimes impersonate legitimate collectors, so not every call claiming to be from TKA is necessarily authentic. If you receive a call, always verify it before sharing any personal or financial details. At Consumer Rights Law Firm PLLC, we have seen cases where consumers were contacted by callers falsely claiming to represent TKA, which makes verification even more important.

Genuine representatives will clearly identify themselves and the company at the start of the call, already have basic account information, and will not ask for sensitive details like your full Social Security number upfront. Payments are typically made through their official channels, not via wire transfers, prepaid cards, or payment apps, and you can verify them by calling back their official number at (215) 464-4500.

Known Tate & Kirlin Associates phone numbers reported by consumers:

  • (215) 464-4500 — Primary office number
  • 1-800-355-0333 — Toll-free line
  • 267-385-3071
  • 267-295-9125
  • 866-923-5193
  • 516-765-2339
  • 818-539-8205
  • 512-501-3661
  • 530-364-0806

Note that TKA may also contact consumers from unlisted or rotated numbers. If a number not on this list is claiming to be Tate & Kirlin, hang up and call (215) 464-4500 directly to verify before providing any information.

What Do Tate & Kirlin Associates Reviews Show?

Consumer reviews and complaints against Tate & Kirlin Associates are extensive and consistent. The pattern of issues reported spans more than a decade and covers everything from excessive call frequency to threats of legal action that consumers say were never followed through on. The same patterns reflected in BBB complaints are the same issues clients bring to Consumer Rights Law Firm PLLC, reinforcing that these experiences are not isolated but consistently reported across multiple sources.

Better Business Bureau: Complaints and Reviews

Tate & Kirlin Associates is not BBB accredited and has accumulated a significant complaint record. You can review their full complaint and review history directly at the official BBB profiles:

→ Tate & Kirlin Associates BBB Complaints

→ Tate & Kirlin Associates BBB Reviews

→ Tate & Kirlin Associates BBB Business Profile

Key facts from the official BBB record:

  • TKA failed to respond to 22 consumer complaints, a fact the BBB notes directly on their profile
  • The BBB issued a public Alert in early 2017 warning consumers about an emerging pattern of TKA complaints
  • Over 60 negative reviews and complaints were filed in a three-year period, per verified sources
  • TKA’s BBB rating reflects the combination of unanswered complaints and ongoing consumer concerns

What consumers are saying in their own words:

  • One verified BBB reviewer reported that TKA was calling them multiple times per day and sending letters trying to collect a debt they did not accrue, and when they stopped engaging, TKA escalated to calling their workplace. The reviewer stated: “They need to be reported somehow.”
  • Another BBB reviewer described receiving calls from several different phone numbers from TKA asking for payment on a US Bank debt, a pattern our attorneys at Consumer Rights Law Firm PLLC recognize immediately, because rotating caller IDs are often associated with automated dialing systems.
  • One reviewer described TKA calling 8 times in less than 1 minute with no voicemail left. That level of call frequency, 8 calls within 60 seconds, is not a billing reminder. That is a system problem, and it reflects exactly the kind of automated dialer conduct the TCPA was designed to address.

Tate & Kirlin Associates

What Calling Tactics Has Tate & Kirlin Associates Used? 

At Consumer Rights Law Firm PLLC, the calling patterns our clients describe from Tate & Kirlin Associates follow a recognizable playbook. We have seen these tactics enough times to identify what is legally significant versus what is just aggressive but technically lawful. Here is what our clients and verified consumer reports tell us.

Automated Calls That Feel Like a Telemarketing Blast

  • TKA uses automated systems and predictive dialers to place calls
  • Consumers report hang-ups, no voicemail, or robotic pauses
  • Calls made without consent to mobile phones may violate the TCPA and carry financial penalties per call

Threatening Legal Action and “Being Served Papers”

  • Reports describe threats of lawsuits or being “served papers”
  • Threats without actual legal intent may violate the FDCPA as misleading conduct

Calling the Consumer’s Workplace

  • Complaints confirm calls made to workplaces
  • Contacting a workplace after being told not to may violate federal law

Calling at Night After 9 p.m.

  • Some consumers report calls as late as 10 p.m.
  • Calls outside permitted hours may violate FDCPA time restrictions

Text Messages With Aggressive Language

  • Reports include aggressive payment demands via text
  • Automated texts fall under the same legal rules as automated calls

Collecting Debts Already Paid or Not Valid

  • Consumers report being contacted about settled or incorrect debts
  • Attempting to collect such debts may be considered unfair practice

Calling Businesses With No Connection to the Debt

  • Some businesses report repeated calls with no named individual requested
  • Wrong-number or unrelated contact patterns can raise legal concerns

Has Tate & Kirlin Associates Been Sued?

Yes, Tate & Kirlin Associates has been named as a defendant in federal court cases across the United States, with a PACER search returning nearly 200 lawsuits, most involving alleged violations of the FDCPA, TCPA, and FCRA.

Below are confirmed cases sourced directly from federal court records available through CourtListener, Justia, and PacerMonitor:

Confirmed Federal Cases — Verified from Public Court Records

Snethen v. Tate & Kirlin Associates, Inc.

  • Case No.: 2:25-cv-01676
  • Court: Pennsylvania Eastern District Court
  • Filed: March 31, 2025
  • Source: PacerMonitor

McMillan v. Tate & Kirlin Associates, Inc.

  • Case No.: 1:20-cv-00777
  • Court: Eastern District of New York
  • Filed: February 12, 2020
  • Source: CourtListener
  • Note: After TKA failed to file an answer, the court ordered the plaintiff to move for default

Cox v. Tate & Kirlin Associates, Inc.

  • Case No.: 8:2019cv01760
  • Court: Middle District of Florida
  • Filed: 2019
  • Source: Justia

Settlements and Judgments Against TKA

In one documented Florida case, a consumer brought claims against Tate & Kirlin Associates on four counts: FDCPA, the Florida Consumer Collection Practices Act, FCRA, and TCPA. TKA failed to respond to the allegations entirely, and the court entered a Final Default Judgment awarding the consumer:

  • $1,000 for FDCPA violations
  • $11,000 for eight TCPA robocall violations ($1,500 per call maximum)
  • $2,000 for two FCRA violations

Total awarded: $14,000 for a consumer who did nothing other than document the calls and pursue her rights.

That case illustrates something our attorneys explain to clients regularly: TKA’s pattern of not responding to complaints both at the BBB and in federal court reflects a company that sometimes bets consumers will not follow through. When they do, the outcomes speak for themselves.

Tate & Kirlin Associates

What Are Your Rights When Tate & Kirlin Associates Is Calling You?

You have clear, federally protected rights when dealing with debt collectors like Tate & Kirlin Associates. These protections come from three major laws and can provide real remedies, including financial compensation. At Consumer Rights Law Firm PLLC, we actively enforce these laws on behalf of our clients, and the key protections are outlined below.

Your Rights Under the Fair Debt Collection Practices Act (FDCPA)

The FDCPA: 15 U.S.C. § 1692 is the foundational federal law that applies directly to third-party debt collectors like Tate & Kirlin Associates.

TKA cannot:

  • Call before 8 a.m. or after 9 p.m.
  • Harass you with repeated or excessive calls
  • Threaten legal action they do not intend to take
  • Try to collect a debt that is not owed or already paid
  • Contact your workplace after being told not to
  • Contact family or others improperly
  • Continue contacting you after a written cease request

What you can do:

  • Request debt validation in writing (they must pause collection until verified)
  • Send a cease-and-desist letter to stop calls
  • Take legal action for violations (with possible compensation and attorney fees covered)

Learn how to write a debt validation letter that actually works →

Your Rights Under the Telephone Consumer Protection Act (TCPA)

The TCPA governs how any company, including a debt collector, uses automated calling and texting technology.

Key protections:

  • TKA needs your consent to use auto-dialers or prerecorded messages
  • Calls or texts without consent may violate the law
  • You can revoke consent at any time

Potential compensation:

  • $500 per violation
  • Up to $1,500 per violation if done knowingly

Learn more about your rights under the TCPA — our full guide →

Your Rights Under the Fair Credit Reporting Act (FCRA)

The FCRA: 15 U.S.C. § 1681 governs the accuracy of information debt collectors report to the credit bureaus.

You are protected from:

  • Incorrect or unverified debt reporting
  • Debts reported beyond the legal time limit
  • Re-aging of old debts to appear newer

What you can do:

  • Dispute errors with credit bureaus and TKA
  • Require investigation within 30 days
  • Seek compensation for violations

How to dispute a debt and correct your credit report — full guide →

How Do I Stop Tate & Kirlin Associates From Calling Me?

The most effective first step is sending a written cease-and-desist letter by certified mail. Here is a simplified version of the process our attorneys recommend:

Step 1 Build Your Documentation First

Before contacting TKA, take a few minutes to gather evidence:

  • Screenshot your full call log with dates and times
  • Save all voicemails
  • Note whether calls were live or automated
  • Mark any calls before 8 a.m. or after 9 p.m.
  • Record any workplace or third-party contact

Step 2 Send a Written Cease-and-Desist Letter

Write a letter stating you revoke consent for phone calls and texts and request all contact to stop. Send it by certified mail with return receipt to:

Tate & Kirlin Associates, Inc.
4800 East Street Road, Suite 170
Feasterville Trevose, PA 19053

Keep proof of delivery. This confirms when your request was received.

Step 3 Keep Documenting After Delivery

If calls continue after delivery, document each one.
Each call may count as a separate legal violation, especially for automated calls.

Step 4 File Complaints

You can file free complaints to create an official record:

  • FTC (FDCPA violations)
  • FCC (robocalls and TCPA issues)
  • CFPB (debt collection complaints)
  • BBB (company complaint record)
  • Your state Attorney General

Step 5 Consider Legal Action

If your rights have been violated, you can seek a free case review. Many consumer protection cases involve no upfront cost because the law requires the collector to cover attorney fees.

Contact Consumer Rights Law Firm PLLC — free consultation →

How Consumer Rights Law Firm PLLC Helps Clients

If you’re dealing with constant calls, pressure, or confusion about a debt, you don’t have to handle it on your own. Consumer Rights Law Firm PLLC focuses on protecting people from abusive and unlawful collection practices, and we deal with companies like Tate & Kirlin Associates every day.

Our team has earned a 5-star BBB rating by consistently helping clients stop unwanted calls, challenge questionable debts, and hold collectors accountable when they cross the line. We understand how stressful these situations can be, and we take a direct, strategic approach to resolving them quickly.

Whether it’s stopping robocalls, disputing a debt, or pursuing compensation for violations, we’re here to step in and handle it for you.

Call us today at 877-700-5790 for a free case review.
There’s no upfront cost in most cases, and you’ll know exactly where you stand after one conversation.

Take control of the situation now your rights matter, and we’re here to enforce them.

Contact Consumer Rights Law Firm PLLC , your consultation is free and your case review is confidential.

Success Stories

  • This company really helped so much. They never asked me for any money out of pocket. I paid nothing! They were so nice and helpful. They called me personally assured me they would handle everything at no cost to me. They communicated every step of the way and were always available for any questions I had. I will recommend them to anyone
  • Words can’t express how incredibly grateful we are for the work that Consumer Rights Law Firm did for us. It was a case of stolen identity that had turned into a 2 year nightmare. Our contact Scott was very supportive and went to bat for us without asking for a dime. In less than 6 months they were able to get fraudulent credit card charges dropped and get our credit restored. I would HIGHLY recommend them to anyone facing similar circumstances. Reach out to them now. You won’t regret it.
  • I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!

Frequently Asked Questions

1. Why is Tate & Kirlin Associates calling me repeatedly?

They are usually trying to collect a debt on behalf of a creditor. Repeated calls may be part of their collection process, but excessive or frequent calls can cross into harassment.

2. Is Tate & Kirlin Associates allowed to call me multiple times a day?

They can attempt to contact you, but repeated or excessive calls intended to annoy or pressure you may violate federal law.

3. How many calls are considered harassment?

There is no exact number, but multiple calls in a short period, daily repeated calls, or back-to-back calls can be considered harassment under the law.

4. Can I stop Tate & Kirlin Associates from calling me?

Yes. You can send a written cease-and-desist letter requesting that all phone communication stop.

5. What should I do if I don’t recognize the debt?

Do not make any payment. Request a written debt validation letter to confirm the debt is legitimate and belongs to you.

6. Can Tate & Kirlin Associates call my workplace?

They can try to contact you, but if you inform them that your employer does not allow such calls, they must stop.

7. Are robocalls from Tate & Kirlin Associates legal?

Automated calls to your mobile phone without your consent may violate federal telemarketing and consumer protection laws.

8. Can they threaten me with legal action?

They cannot threaten lawsuits or legal action unless they actually intend to take that step. False threats are not allowed.

9. What happens if I ignore their calls?

They may continue attempting contact or escalate collection efforts, but ignoring calls does not remove your legal rights or confirm the debt.

10. Can I sue Tate & Kirlin Associates for harassment?

If they violate your rights through excessive calls, threats, or unlawful practices, you may have grounds to take legal action and seek compensation.

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.

Disclaimer: The information contained in these articles is provided for general informational and educational purposes only and should not be construed as legal advice. Reading or relying on this content does not create an attorney-client relationship with our firm. Because every legal matter is unique, you should consult a qualified attorney regarding your specific circumstances before making any legal decisions.

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