Vance & Huffman Debt Collection Harassment
Are you tired of Vance & Huffman Debt Collection Harassment? Different people have different experiences with debt collectors like Vance & Huffman, most of which are unpleasant. One thing you must always remember is that a debt collector has just one aim and it is to collect money from you. They try to achieve this aim by any means possible even if it brings discomfort to you. So, you shouldn’t be surprised at the lengths Vance & Huffman is going.
When you get into tough financial situations, you may fall into debts and start receiving calls from debt collectors. You are not alone in this. Millions of Americans have experienced it and some are still experiencing it.
Debt collectors’ calls may catch you off guard and you may begin to panic. Try to get a hold of yourself and be calm. With the right knowledge, you will handle the situation well. One vital thing to do during Vance & Huffman debt collection calls is to listen more than you speak. Try to get information from the debt collector about who they are and what agency they represent. Do not give them your personal financial details.
What to do when a debt collector calls you
You are expected to meet up with deadline for payments. But many times, people are unable to pay before the stipulated time. This may eventually lead to Vance & Huffman debt collection.
As a result of the inability of the debtor to meet up, Vance & Huffman debt collection takes on various methods to reach out to the debtor many of which are usually offensive. In this situation, you need the right knowledge on how to handle the situation. You should consider the following when handling Vance & Huffman debt collection call:
Often times, debt collector’s calls are unexpected and so you may need to ask the collector to call back at a later moment when you’re less busy, calm, and in the right place to answer the call.
Ahead of the call, you should have your pen to note down any questions or concerns you may have. The information written down would come in handy if you have to recall a conversation or appear in court. The basic knowledge collected could serve as an aid when you are writing a cease and desist letter.
It is also necessary to ask for the debt details so as not to be burdened with a debt that’s not yours to pay. Ask enough questions about the debt and the original creditor.
Record where necessary.
If the debt collector begins to curse or use profane and obscene words on you, recording the conversation may become necessary. Every form of Vance & Huffman phone harassment should be recorded. This would be handy incase you need to file a lawsuit.
When does a debt collector go too far?
In a bid to get money from you, Vance & Huffman debt collection may become extreme. They may employ all the tricks in the book, from cajoling, to coercing, and to threats. It may even get to the point of Vance & Huffman phone harassment. Do not fall for any of their tricks. You need to get enough information and guidance before making any payment to a debt collector.
While you are trying to process details on the debt and decide if it’s a debt you should pay, Vance & Huffman may keep bothering you. It is important that you know that you have rights under the FDCPA and once you begin to experience Vance & Huffman phone harassment, they are most likely violating your rights.
Some common types of violation by debt collectors include:
- Making harassing phone calls: Some debt collectors make it a point of duty to call debtors many times in one day. This is Vance & Huffman phone harassment and it is against the FDCPA.
- Failing to introduce themselves on the phone: According to the TCPA, any debt collector who calls you should tell you their name, address, and entity they represent.
- Use of profane and obscene language: When a debt collector begins to use cuss words on you, that is a cause for concern and you should ask them to stop.
- Calling a Consumer’s workplace knowing that they shouldn’t: If you have told a debt collector that you can’t answer their phone calls in your workplace, they should not call you at work. Doing this is violating your rights.
- Lying about the debt: Some debt collectors use deceitful means to try to get you to pay a debt. If a debt collector lies about a debt or says they can send you to jail, they have violated your rights.
- Ignoring a cease and desist letter: You have the right to write to a collection agency, asking them not to contact you via phone calls anymore. This is called a cease and desist letter. After this letter, if they still call you, that is a violation.
- Ignoring a request for debt validation letter: When you ask a debt collector to send you a proof of your debt, they should send it.
- Calling debtor’s friends and family.
- Ignoring a cease and desist letter: Debt collectors are allowed to call people connected to you if they do not have direct access to you, but they should never discuss your debt with them.
If your rights are being violated by Vance & Huffman, you can ask them to stop because you are aware of your rights. Call us now at tel:877-700-5790 if your debt collection agency is harassing you over your unpaid debts.
Federal Law Protects You from Debt Harassment by Vance and Huffman
In 1978, Congress passed a set of rules known as The Fair Debt Collection Practices Act (FDCPA), forbidding debt collectors from harassing or abusing debtors whose delinquent debts they were collecting on. The law not only put consumer-friendly restrictions on third-party debt collectors but also made provisions consumers recover damages and be duly compensated for the violation of their rights and the FDCPA laws by debt collectors like vance huffman.
While the enactment of these laws did not mean that unfair debt collection practices came to an abrupt end, it certainly did a lot to improve the conditions under which a debt is collected especially for the consumer. Unfortunately, many debt collectors still fail to uphold this law. It is for this reason that the FDCPA gives consumers a way to fight back against unscrupulous debt collectors and their unethical collection practices.
What are Your Rights under the FDCPA?
The more you understand your rights, the better equipped you will be to respond appropriately to debt collectors and debt buyers who use harassment as a collection tactic. The following practices on the part of debt collectors against the law:
• Repeated phone calls intended to annoy or abuse the consumer
• Phone calls between 9 p.m. and 8 a.m. or at any other inconvenient time of day
• The use of obscene or profane language in communications with a consumer
• Issuing threats of violence or bodily harm
• Placing anonymous debt collection calls to the residences or places of employment of consumers.
• Phone calls made to your work especially if your employer objects or if you have expressly requested that they stop contacting you at your place of employment
Furthermore, the FDCPA also prohibits debt collectors from revealing your name publicly as a delinquent debtor and from using false, deceptive, or misleading practices (such as lying about or misrepresenting the amount that you owe all in a bid to turn a profit) during the collection of the debt. Good examples of false, deceptive, or misleading practices include:
• Misstating the amount you owe
• Falsely claiming that they are an attorney or police officer
• Threatening to have you arrested or jailed
• Making threats that they are not legally allowed to carry out
• Making threats they do not intend to carry out
When you’re facing collection calls or if you are in trouble with debt collectors, it is in your best interest to keep a record of all the communication that has transpired between you and them. Your log should include information like:
• The date and time of the calls you received
• The number the debt collector called you at if you have more than one line
• The number the debt collector called from
• How the debt collector identified himself or herself
• A brief summary of the conversation, including any foul language, threats, or other possible violations of your FDCPA rights that occurred along the course of the conversation.
This information will help your consumer protection attorney build an iron-clad case on your behalf if legal action becomes necessary.
Most importantly, if you do feel that a debt collection agency is harassing you, feel free to reach out to the Federal Trade Commission and the Consumer Financial Protection Bureau. These agencies work together to bring unethical collection agencies that engage in abusive or deceptive collection tactics to justice.
Do not allow the shame or embarrassment that you may feel over your inability to repay the debt that you owe to vance and huffman prevent you from taking action in the face of debt collection harassment. Even if you legitimately owe money, collection agencies are not allowed to call you several times a day, harass your family members or threaten to have you arrested when they are not legally allowed to do so.
We know that having a debt collector call you can be a scary thing, but we also want you to know that you are not alone in your case of debt collection harassment, thus, you don’t have to feel ashamed about it.
When it comes down to the debt collection process, ignoring the calls you receive from Vance Huffman is probably the worst thing to do. You should understand that speaking to them isn’t an admission of guilt, and ignoring their calls can have disastrous consequences. If you feel too unsettled, then you don’t have to speak with a collection agency immediately. If you pick up the phone and aren’t yet prepared to have a conversation about your unpaid debt, ask for the collection agency to call you back at a later time that is more convenient. This allows you to plan out what you’d like to say more carefully when the debt collector eventually calls back.
Who is Vance & Huffman?
Vance & Huffman is a third-party debt collector located in Smithfield, Virginia. They have been sued in federal court for violating consumer’s rights while collecting on alleged debts. Among the numerous alleged violations, Vance & Huffman has been sued for failing to provide validation and harassing third parties while trying to collect on an alleged debt.
Address: 55 Monette Pkwy STE 100
Smithfield, VA 23430-2577
Phone: (757) 542-3501
Fax: (757) 542-3502
Is Vance & Huffman a scam?
According to the Better Business Bureau website, Vance & Huffman has been in business since 2013. There have been 17 customer complaints filed against them on the BBB website. Read more about it here: Vance & Huffman Better Business Bureau
Huffman and Huffman phone number
Are you receiving any harassing phone calls from this number?
If so, you may be a victim of Vance & Huffman’s debt collection harassment. Call us now at 877-700-5790.
The following is a sample list of complaints filed against Vance & Huffman and can be found on Pacer.org.
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. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Vance & Huffman. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
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