TRAF Group Phone Harassment?

TRAF Group Phone Harassment?

Is TRAF Group (TRAF) calling you? Stop TRAF Group phone harassment. Do they threaten to take legal action or garnish your wages? 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. You have the legal right to stop TRAF phone harassment. Federal and state laws, such as the FDCPA, FCRA, TCPA, and CFPA, protect consumers from harassment by debt collectors. 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. Consumers have several means to enforce their rights and recover damages if these laws are violated. Experienced attorneys can help consumers stop harassment and pursue legal remedies.

Is TRAF Group a Scam?

According to the Better Business Bureau website, TRAF Group has been in business for 55 years. When dealing with debt collection companies, it’s important to verify if the company contacting you is a legitimate company by checking their history, accreditation, and reputation. There have been 14 complaints filed against TRAF with the BBB.

Read more here: TRAF Group Better Business Bureau

Who is TRAF Group?

TRAF Group is third party located in Trenton, New Jersey. They are also known as A-1 Collection Service. TRAF Group operates as a debt collection agency. TRAF has been a party to a Federal Court case over 20

Address: 2297 Highway 33 Ste 906 Trenton, NJ 08690-1717

Phone: (609) 771-9200

TRAF Group Collection Tactics

When dealing with TRAF Group or other debt collection agencies, consumers often report a range of aggressive collection tactics. These third party collection agencies may use persistent phone calls, sometimes contacting you multiple times a day or even using automated robocalls to reach you at inconvenient hours. Some consumers have experienced threatening language, where debt collectors imply legal action, wage garnishment, or damage to your credit if you do not pay immediately.

In some cases, TRAF Group may attempt to contact your friends, family, or even your employer in an effort to pressure you into making a payment. While collection agencies are allowed to seek payment for legitimate debts, they are not permitted to disclose your debt to third parties or use abusive or harassing tactics. Other reported behaviors include sending repeated letters, using different collection agency phone numbers to bypass call blocking, and making false statements about the amount owed or the consequences of non-payment.

If you notice any of these tactics—such as repeated calls, threatening messages, or attempts to collect on debts you do not recognize—it is important to document each interaction. These actions may violate fair debt collection practices and could be grounds for a complaint or legal action against the collection agency.

TRAF Group Harassment Examples

If TRAF Group engages in any of the following tactics, you may have a case:

• ➤ Consumers are often called repeatedly by TRAF Group, sometimes with a harassing or unprofessional tone.
• ➤ TRAF Group may be attempting to collect debts through various means, including persistent phone calls and written communications.
• ➤ Consumers have the right to have documentation requested and provided by the agency, such as verification of the debt or receipts of payments.
• ➤ Debt collectors are required to inform debtors about the details of the debt, including the original creditor, the amount owed, and their rights under the FDCPA.
• ➤ Complaints about TRAF Group’s practices have been dealt with in the past, sometimes resulting in favorable outcomes for debtors, such as removal of incorrect information or cessation of collection efforts.
• ➤ These tactics are often directed at debtors who may not even owe the debt in question.

TRAF Group Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

• 📲 609-771-9200
• 📲 970-241-2075
• 📲 (609) 771-9200
• 📲 (970) 241-2075
• 📲 6097719200
• 📲 9702412075

If the answer is yes, then you are receiving calls from a known TRAF number. You may be a victim of TRAF phone harassment.  The list above is not all the numbers that TRAF uses. The calls can be from different phone numbers and it still be TRAF Group calling you.  Contact our office right away so we can start the process to stop TRAF from calling you illegally. Above all, no one should live with harassment!

TRAF Group may contact you regarding overdue payments, unpaid bills, or billing disputes, including issues with medical bills. Many consumers report that TRAF Group continues to pursue collection actions or harassment even after debts have been paid, leading to disputes over the status of accounts, receivables, and whether payments have been properly credited. Billing errors, misinformation about bills, and lack of verification are common complaints, especially when it comes to medical bills and other sensitive accounts.

TRAF Group often collects on behalf of original creditors, and similar complaints have been reported about other agencies such as Tech Collections, particularly regarding improper handling of receivables, billing disputes, and ongoing collection efforts after bills have been paid.

Consumer Rights and Debt Collection

As a consumer, you have important rights when dealing with debt collectors and collection agencies like TRAF Group. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects you from abusive, unfair, or deceptive collection practices. Under the FDCPA, debt collectors cannot harass you, use threatening language, or call you at unreasonable times. They are also prohibited from contacting your friends, family, or employer about your debt, except to obtain your contact information.

You have the right to request written verification of any debt a collection agency claims you owe. If you dispute the debt in writing within 30 days of being contacted, the collector must stop collection efforts until they provide proof of the debt. You also have the right to request that the collection agency stop contacting you altogether; once you make this request in writing, they are only allowed to contact you to confirm they will stop or to notify you of specific legal actions.

If you believe a debt collector has violated your rights, you can file a complaint with the Better Business Bureau, the , or your state’s attorney general. You may also be entitled to statutory damages and attorney fees if you take legal action and win your case. Remember to keep records of all communications with the collection agency, including phone calls, letters, and emails, as this documentation can be crucial if you need to prove harassment or other violations.

Empowering yourself with knowledge of your rights is the first step in stopping collection harassment and ensuring that debt collectors treat you fairly and respectfully.

Complaints Against TRAF Group

The following is a sample list of complaints filed against TRAF Group (aka A-1 Collection Service) in the past and can be found on Pacer.gov.

• 🔗 4:17-cv-00260-RK Zollars v. A-1 Collection Service
• 🔗 3:93-cv-00615-MLC Bryant v. A-1 Collection Service
• 🔗 3:14-cv-06092-PGS-TJB Mohamed v. A-1 Collection Service
• 🔗 3:14-cv-07063-MAS-TJB Ramos v. A-1 Collection Service
• 🔗 1:16-cv-00643-LPS Rodriguez v. A-1 Collection Service

Consumer Rights Law Firm PLLC 

Consumer Rights Law Firm PLLC is a law office that provides professional services for clients facing debt collection harassment, ensuring their legal rights are protected. Our law office has extensive experience assisting clients with debt collection issues related to healthcare and credit services, as well as other industries. Rather than suffer alone, contact our office to begin the process to stop the TRAF Group 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 TRAF Group call us at 877-700-5790.

1. Why is TRAF Group calling me?
TRAF Group may be calling to collect a debt on behalf of a creditor. They act as a third-party debt collection agency handling unpaid accounts.

2. What counts as phone harassment by TRAF Group?
Harassment includes repeated, threatening, or late-night calls, or contacting you after you’ve asked them in writing to stop.

3. Are automated robocalls from TRAF Group legal?
No, not without your prior written consent. Such calls may violate the TCPA.

4. Can I stop TRAF Group from calling me?
Yes, by sending a written cease-and-desist letter. The FDCPA requires them to stop communication after receiving it.

5. What if I don’t owe the debt TRAF Group claims?
You have the right to dispute the debt within 30 days. TRAF Group must verify it before continuing to collect.

6. Can I sue TRAF Group for harassment?
Yes. You can take legal action under the FDCPA or TCPA and may recover damages for their unlawful behavior.

7. How can I document TRAF Group’s phone harassment?
Keep call records, note times, save messages, and retain written communication for evidence.

8. Who can help stop TRAF Group phone harassment?
Consumer Rights Law Firm PLLC can help you stop harassment and take legal steps against unlawful collectors.

9. What laws protect me from TRAF Group harassment?
The FDCPA and TCPA protect you from abusive, deceptive, or excessive phone contact by debt collectors.

10. How can I verify if TRAF Group is legitimate?
Request written validation of the debt and confirm their details before making any payments or sharing personal info.