Voss and Klein Phone Harassment?

What Is Voss & Klein? Is It a Legitimate Company?

Voss & Klein, LLC is a legitimate registered collection agency, not a phantom-debt scam. However, being a registered company does not automatically mean every collection practice complies with the law.

BBB Profile: Voss & Klein, LLC BBB Business Profile

What Industries Does Voss & Klein Collect For?

Voss & Klein describes itself as a general-purpose commercial and consumer collector, and its own materials and complaint record show it works accounts across a wide range of industries, including:

• Commercial and business-to-business debts
• Retail accounts
• Medical and healthcare bills
• Bad checks and returned payments
• Court judgments
• Landlord and multifamily unpaid rent
• General delinquent consumer accounts

That breadth is not a marketing footnote, it is the whole problem for consumers. When a single agency collects across medical, retail, rental, and commercial accounts, the person getting the call often has no idea which debt is even being referenced, or whether it is truly theirs. Understanding the types of debts a collector can pursue is the first step to figuring out whether you actually owe anything at all.

In our practice, the calls we see most often tied to a small multi-industry collector like Voss & Klein involve old medical balances and disputed rental or retail accounts exactly the categories where the original paperwork is hardest for a consumer to locate and where “this isn’t my debt” is a genuine and common defense.

Why Is Voss & Klein Calling Me?

Voss & Klein is calling because a creditor a landlord, a medical provider, a retailer, or a business placed your account with them to collect, and they earn a percentage of whatever they recover. That contingency model is the direct financial reason the calls tend to be persistent: the harder they push, the more they make.

Voss & Klein markets itself to creditors as a firm that “does everything they can” to recover money, and the reviews on its own site praise it for chasing “the un-collectibles” and pursuing “dead beats.” Read from the consumer’s side, that same aggressiveness is what shows up in complaints. Here are the most common reasons Voss & Klein may be contacting you:

• You owe a debt they were assigned. The account is real, it is yours, and the creditor handed it to Voss & Klein to collect. Even here, you have rights about how they may contact you.
• The debt is not yours. Collectors regularly pursue the wrong person because of a name match, an old address, or bad data from the creditor. Several documented complaints against Voss & Klein involve people who say they did not owe the debt at all.
• The amount is inflated or unverified. The balance may include fees or interest you never agreed to, or it may be a figure the collector cannot actually substantiate with documentation.
• The debt is time-barred. Florida’s statute of limitations on most written consumer contracts is generally five years. A debt older than that may be legally unenforceable in court even if a collector keeps calling about it.
• A credit-reporting entry, not a call, is the real issue. Some consumers only learn about Voss & Klein when a collection account appears on their credit report sometimes, they say, without any prior contact at all.

In our practice, the single most common Voss & Klein scenario clients bring us is a consumer who does not recognize the debt, asks for proof, and gets pressure or a credit-report entry instead of documentation.

What Do BBB Complaints Against Voss & Klein Actually Say?

Voss & Klein holds a B+ BBB rating but is not BBB accredited, and its file shows 26 complaints in the BBB’s three-year reporting window, with roughly a dozen closed in the most recent 12 months. You can read them yourself on the company’s BBB complaints page. The recurring themes are debt verification and credit reporting not billing disputes over amounts people admit they owe.

The patterns that show up repeatedly in the Voss & Klein complaints and BBB reviews include:

• Credit reporting without the consumer’s knowledge. One BBB reviewer, posting as ANOOP M, wrote that the company “accessed my SSN and reported to credit reporting companies without my knowledge” and that their attorney’s team was now pursuing the matter. Reporting a tradeline before or without proper notice raises serious FDCPA and FCRA concerns.
• Disputed or “not mine” debts that are not removed. A consumer review describes contacting Voss & Klein about a debt they did not owe; the reviewer says the company acknowledged its lead was weak but still did not remove the account from their credit report after the conversation. Refusing to correct a disputed, unverified item is a classic false or misleading representation problem.
• False billing and refusal to remove. Another BBB reviewer, Lorne K, described the experience bluntly as “false billing, false collections” and demanded to be removed as a supposed client.

In our practice, that pattern reporting or continuing to report a debt the consumer disputes and the collector cannot fully validate is precisely the conduct § 807 of the FDCPA was written to stop, because it uses false or misleading representations to pressure payment.

Consumer Reviews and Platform Reports

Voss & Klein’s reviews split sharply along a predictable line: business clients who hired the firm praise it, while consumers on the receiving end describe credit-reporting and validation problems. You can see both on its WalletHub reviews page and its BBB reviews. The consumer-side reviews are specific and consistent:

“They accessed my SSN and reported to credit reporting companies without my knowledge. Beware of them; my attorney’s team is now pursuing them.” ANOOP M, BBB review

A review of this kind is not a vague “they were rude” complaint, it describes concrete conduct, and it maps directly onto three separate areas of the law:

• An FCRA concern: Furnishing information to the credit bureaus that the consumer says is inaccurate or unauthorized, which triggers your right to dispute your credit report with both the bureau and the furnisher.
• An FDCPA issue: Using the credit report as leverage on a debt the consumer disputes can amount to a false or misleading representation under § 807.
• A validation problem: If no proof of the debt was ever provided, the consumer was pressured on an unverified account, contrary to the debt validation requirements of § 809.

Has Voss & Klein Been Sued?

Yes. Voss & Klein, LLC has been named as a defendant in consumer-protection litigation in Florida, in both state and federal court. One case is worth walking through in detail because it highlights the issues consumers and courts have raised.

Obeidy v. Fort Lauderdale Country Club, Inc., Voss & Klein, LLC, and Julia Voss

• Case Number: CACE-20-017945, Division 09
• Court: Circuit Court of the Seventeenth Judicial Circuit, in and for Broward County, Florida
• Filed: On or about October 27, 2020
• Claims: A seven-count complaint including violation of the Florida Consumer Collection Practices Act (FCCPA), the Florida Deceptive and Unfair Trade Practices Act (FDUTPA), and negligence, naming both the creditor and Voss & Klein (and its principal, Julia Voss) as defendants.
• Official record: Case docket entry (Trellis)

What makes this case instructive for consumers is that the plaintiff sued the collector and named its principal individually. In our practice, when a complaint reaches past the LLC to name the person running it, it usually signals that the alleged conduct was not a one-off clerical error but something a plaintiff believed was directed from the top. It also reminds consumers that a Florida-based collector is squarely subject to Florida’s own collection statute, which in several respects is tougher than the federal FDCPA.

What Calling and Collection Tactics Has Voss & Klein Used?

Across the BBB file, consumer reviews, and litigation, the conduct consumers report against Voss & Klein falls into four recurring categories. Each one maps to a specific legal protection.

• Repeated and Pressuring Contact: Voss & Klein may violate the FDCPA by making excessive calls, contacting consumers at prohibited times, or using communication methods intended to harass or pressure consumers. The FDCPA limits collection calls to no more than seven calls within seven days for the same debt and prohibits calls before 8:00 a.m. or after 9:00 p.m. local time.
• Automated Dialing and Prerecorded Messages: Voss & Klein may violate the TCPA if it uses autodialers, prerecorded messages, or automated calls to contact consumers’ cell phones without proper consent. Each unlawful call may result in $500 to $1,500 in damages per violation.
• Inaccurate or Unauthorized Credit Reporting: Voss & Klein may violate the FDCPA and FCRA by reporting inaccurate debt information, failing to update disputed accounts, reporting debts consumers do not recognize, or continuing to report information it knows or should know is incorrect.
• Refusing to Validate or Remove Disputed Debts: Voss & Klein may violate the FDCPA if it continues collection efforts after receiving a timely written dispute without providing proper debt validation. Consumers have the right to request verification of the debt before collection activity continues.

What Are Your Rights Against Voss & Klein?

You are not powerless on these calls. Three federal laws and one Florida statute give you concrete, enforceable rights against a collector like Voss & Klein.

How to Stop Voss & Klein From Calling You

Here is the practical, step-by-step approach our attorneys walk clients through.

Step 1: Document Everything

Start a written record before you do anything else.

• Screenshot your call log with the dates, times, and phone numbers of every call (watch for (954) 781-2345 and (800) 699-3328).
• Save every voicemail, including generic or automated ones.
• Note whether each call was a live agent or automated a pause after you pick up, or no immediate response, often signals an autodialer.
• Flag any call that came before 8:00 a.m. or after 9:00 p.m. your time.

What our clients tell us is that they wish they had started documenting sooner because a clean call log is often the difference between a strong case and a “your word against theirs” situation.

Step 2: Send a Cease-and-Desist Letter

You have the right to tell Voss & Klein to stop contacting you in writing. Send a cease-and-desist letter to:

Voss & Klein, LLC, 49 N. Federal Hwy, Suite 316, Pompano Beach, FL 33062

Send it by certified mail with return receipt requested, so you have proof of delivery. Once delivery is confirmed, every further call about the debt can be an independent FDCPA violation.

Step 3: Request Debt Validation

Within 30 days of first contact, send a debt validation letter demanding proof the debt is yours, in the amount claimed. Under FDCPA § 809(b), once you dispute in writing, Voss & Klein must stop collecting until it provides validation. Continuing to call or continuing to report the debt to the bureaus after receiving your written dispute is a violation.

Step 4: File Complaints

Filing complaints creates an official record and adds pressure. File with:

• FTC
• CFPB
• FCC
• BBB
• Florida Attorney General

Step 5: Contact the Firm

If the calls continue, the debt isn’t yours, or a collection account is damaging your credit, call us at (877) 700-5790 or request a free case review. We work on a contingency basis no upfront cost and because the FDCPA shifts fees onto the collector when it loses, you generally do not pay attorney fees out of pocket. The violations that most often qualify include robocalls to your cell phone, calls after a written cease-and-desist, continued collection after a written dispute, threats, and inaccurate credit reporting.

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. We provide guidance, counseling, and support to our clients throughout the process. Our firm offers resources and assistance for families, family members, children, and adults from various populations who may be affected by debt collection practices. Rather than suffer alone, contact our office to begin the process to stop the Voss and Klein 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 Voss and Klein call us at (877)700-5790 for immediate assistance or visit our website.

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