Torres Credit Services Phone Harassment?
Is Torres Credit Services (TCS) calling you? Stop Torres Credit Services phone harassment Do they threaten to take legal action or garnish your wages? Legal actions can include wage garnishment and bank and wage garnishments, but these actions are regulated by state and federal laws. Torres Credit Services is a legitimate company and a legitimate debt collection agency that must follow strict rules under the law. Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. Debt collectors are prohibited from using obscene language and are legally required to respect your rights. You have the legal right to stop TCS phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Torres Credit Services a Scam?
According to the Better Business Bureau website, Torres Credit Services has been in business for 16 years. Torres Credit Services is a legitimate company and not a fake company; searches for ‘Torres Credit Services legit’ confirm that it is a licensed and authorized debt collection agency. There have been 23 complaints filed against TCS with the BBB. Read more here: Torres Credit Services Better Business Bureau.
Who is Torres Credit Services?
Torres Credit Services is a third party debt collector located in Carlisle, Pennsylvania.
🏛️ Address: 27 Fairview St Ste 301 Carlisle, PA 17015-3200 📞 Phone number: (717) 243-6637
Torres Credit Services works with various creditors, including financial institutions and credit card companies, to collect debts that have been charged off by original creditors. They may buy debt from these original creditors or collect debts on their behalf. You can contact Torres Credit Services at the provided phone number for inquiries or disputes.
Torres Credit Services Collection Tactics
If Torres Credit Services engages in any of the following tactics, you may have a case:
- ➤ Using profanity or abusive language
- ➤ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➤ Calling you multiple times per week
- ➤ Contacting third parties about your debt, except to locate you, and revealing details about your debt to those parties
- ➤ Calling your workplace
- ➤ Threatening to sue you, harm you, or destroy your credit
- ➤ Telling you or anyone else that you’ve committed a crime
- ➤ Calling repeatedly for the wrong person
- ➤ Failing to notify you of your right to dispute the debt
- ➤ Trying to collect more than legally allowed
Torres Credit Services Phone Numbers
Are you receiving any harassing phone calls from any of the following phone numbers?
- 📲 717-243-6637
- 📲 717-243-8424
- 📲 (717) 243-6637
- 📲 (717) 243-8424
- 📲 7172436637
- 📲 7172438424
If you are receiving calls from any phone number associated with Torres Credit Services, you may wonder, “Why does Torres Credit Services continue to call me?” If the answer is yes, then you are receiving calls from a known TCS number. You may be a victim of TCS phone harassment. The list above is not all the numbers that TCS uses. The calls can be from different numbers and it still be Torres Credit Services calling you.
Many people ask, “Does Torres Credit Services have the right to call me repeatedly?” Torres Credit Services continues its collection efforts as long as the debt remains unresolved, but there are legal limits to how and when they can contact you. Contact our office right away so we can start the process to stop TCS from calling you illegally. Above all, no one should live with harassment!
Disputing Inaccurate Information on Your Credit Report
If you discover inaccurate information on your credit report related to Torres Credit Services, it’s essential to act quickly to protect your financial health. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any errors or incomplete information that may appear on your credit report. Start by reviewing your credit reports from all major credit bureaus for any mention of Torres Credit or collection accounts you don’t recognize. If you find discrepancies, contact the credit bureaus directly to initiate a dispute. Be sure to provide supporting documentation, such as payment records or correspondence with Torres Credit Services, to strengthen your case. Keep detailed records of all communications, including dates, times, and the names of representatives you speak with. If the process feels overwhelming, consider reaching out to a reputable credit repair company for assistance in disputing inaccuracies and ensuring your credit profile accurately reflects your financial standing. Taking these steps can help you maintain a healthy credit report and avoid the negative consequences of inaccurate information.
Torres Credit Services and the Law: Your Legal Protections
When dealing with Torres Credit Services or any debt collection agency, it’s important to know that you are protected by both federal and state laws. The Fair Debt Collection Practices Act (FDCPA) sets strict rules for debt collectors, prohibiting them from using abusive, deceptive, or unfair tactics. This means Torres Credit Services cannot harass you, make false statements, or threaten actions they cannot legally take. Additionally, the FDCPA requires debt collectors to provide clear information about the debt, including the amount owed and the name of the original creditor. The Fair Credit Reporting Act (FCRA) further ensures that any information reported to credit bureaus is accurate and complete. If Torres Credit Services violates your rights under these laws, you may be entitled to damages and other remedies. If you believe your rights have been infringed upon, don’t hesitate to seek legal advice to understand your options and protect yourself from unfair debt collection practices.
Filing Complaints Against Torres Credit Services
If you feel that Torres Credit Services has engaged in unfair, deceptive, or illegal debt collection practices, you have the right to file a complaint with the appropriate authorities. Start by gathering all relevant information, including dates, times, and details of your interactions with Torres Credit Services. You can submit a complaint to the (CFPB) or the Federal Trade Commission (FTC), both of which enforce federal laws related to debt collection and credit reporting. Additionally, your state’s Attorney General’s office and the Better Business Bureau are valuable resources for reporting concerns about debt collection agencies. Providing thorough documentation will help these agencies investigate your complaint effectively. If you need guidance or support during this process, a consumer protection attorney can help you file your complaint and pursue any legal remedies available to you.
Torres Credit Services and the CFPB: Regulatory Oversight
The (CFPB) plays a crucial role in regulating debt collection agencies like Torres Credit Services. The CFPB is responsible for ensuring that debt collectors and collection agencies comply with federal laws and treat consumers fairly. If you have a complaint about Torres Credit Services, you can submit it directly to the CFPB, which will review your case and may investigate further. The CFPB also has the authority to enforce penalties against debt collectors who violate federal laws, providing an additional layer of protection for consumers. By leveraging the CFPB’s oversight, you can help hold Torres Credit Services accountable and ensure that your rights are respected throughout the debt collection process.
How Torres Credit Services Affects Your Credit Reporting
Having a collection account from Torres Credit Services on your credit report can have a significant impact on your credit score and overall financial standing. Debt collection agencies like Torres Credit Services report collection accounts to the major credit bureaus, and these negative marks can remain on your credit report for up to seven years. This can make it more challenging to qualify for loans, credit cards, or even rental agreements. If you pay off or settle the debt, the status of the collection account will be updated, which may help improve your credit score over time. It’s important to regularly monitor your credit report for any new or inaccurate entries related to Torres Credit Services. If you notice errors, take immediate steps to dispute them, and consider working with a reputable credit repair company to help remove Torres Credit Services from your credit report and restore your financial health.
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. Rather than suffer alone, contact our office to begin the process to stop the Torres Credit Services 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 Torres Credit Services. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I was getting calls day and night from debt collectors, sometimes even on weekends. It was exhausting and affecting my mental health. Consumer Rights Law Firm PLLC stepped in and handled everything. They not only stopped the calls but also held the collection agency accountable. I finally feel like I have control over my life again.
- 🏆 When I started getting letters and threats from a collection agency for a debt I didn’t owe, I was overwhelmed. Consumer Rights Law Firm PLLC took my case seriously and proved the debt was not mine. They were professional, fast, and stayed in touch throughout the process. I couldn’t have asked for better legal support.
- 🏆 I never knew I had legal options until I spoke with Consumer Rights Law Firm PLLC. Their team explained the law in a way that made sense and gave me hope. Within weeks, the harassing calls stopped, and I was even awarded damages. If you’re being harassed by collectors, don’t wait—these people are the real deal.
- 🏆 Dealing with debt collectors made me feel powerless until I hired Consumer Rights Law Firm PLLC. They treated me with respect and handled my case like it truly mattered. Their work was efficient, and I got real results. Thanks to them, I can answer my phone without anxiety again. Highly recommended!
Common Questions
Is TCS a scam?
No, Torres Credit Services has been in business for 16 years.
Can Torres Credit Services garnish my wages?
Yes, TCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can TCS sue me?
Yes, TCS can sue you so long as the debt is within the statute of limitations.
Can TCS report my debt to the collection bureaus?
Yes, Torres Credit Services is required to report accurate information to credit reporting agencies, and inaccurate reporting can negatively affect your credit. If you believe the debt is an alleged debt or the result of identity theft, you should send a written request for verification and use certified mail to track your dispute.
Can TCS 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.
