Western Mass Credit Corp Phone Harassment?
Is Western Mass Credit Corp harassing you with constant phone calls? 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 their 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.
Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must generally adhere to a certain set of rules when they are pursuing consumers who owe money. The FDCPA and similar laws prohibit debt collectors from engaging in harassing or abusive practices. Certain actions, such as repeated calls or calling at inconvenient times, are prohibited under federal law. If a collector violates the , you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Are they a scam?
According to the Better Business Bureau website, They have been in business since 1999. There have been 1 complaint closed in the last 3 years and 1 complaint closed out in the last 12 months.
Western Mass Credit Corp Better Business Bureau
What is Western Mass Credit Corp?
Address: 2040 Boston Rd STE 14 Wilbraham, MA 01095-1380 Phone: (413) 543-1230 Fax: (413) 543-1287
Western Mass Credit Corp
If they engage 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. (these are considered unusual times and are prohibited)
- Making more than seven debt collector calls within seven days, which is considered harassment under the law
- Calling you multiple times per week
- Placing excessive or repeated telephone calls or engaging in harassing telephone conversations
- Using different forms of communication, such as text messages or emails, in a way that violates legal protections (these forms are also regulated)
- Talking to others about your debt
- Calling your workplace, especially if you have informed them not to receive personal calls there—borrowers have the right to request that debt collectors stop contacting them at work
- 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
Debt collectors may be attempting to collect on various types of debts, including loans. Both creditors (the original lender) and third-party debt collectors are subject to legal restrictions regarding their collection practices.
Known Western Mass Credit Corp Collection Call Numbers
Are you receiving any harassing phone calls from any of the following numbers?
(413) 543-1230
If the answer is yes, then you are receiving calls from a known Western Mass Credit Corp number. Western Mass Credit Corp is a debt collection agency, and as such, it is subject to legal obligations and restrictions under laws like the FDCPA. You may be a victim of Western Mass Credit Corp phone harassment. The list above is not all the numbers that Western Mass Credit Corp uses. The calls can be from a different number and it still be Western Mass Credit Corp calling you. Contact our office right away so we can start the process to stop their from calling you illegally. Above all, no one should live with harassment!
Understanding Harassment Laws
Dealing with debt collectors can be stressful, but understanding harassment laws is the first step in protecting yourself from illegal debt collection practices. The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits debt collectors, including third-party debt collectors and collection agencies like Western Mass Credit Corp, from using abusive language, making threats, or providing false information in their efforts to collect debts. The FDCPA and similar state laws set clear boundaries on how and when debt collectors can contact you, ensuring fair debt collection practices are followed.
Debt collectors are legally allowed to contact you to collect debts, but there are strict rules they must obey. For example, they cannot make excessive or harassing telephone calls, use offensive language, or contact you at unusual times or places. The law also prohibits debt collectors from discussing your debt with others or making misleading statements about your legal rights or the consequences of not paying. If you are facing harassment, you have the legal right to stop contacting from debt collectors by sending a cease and desist letter or filing a complaint with the (CFPB).
The CFPB’s Debt Collection Rule helps determine if a debt collector has crossed the line by looking at the frequency and pattern of phone calls, voicemails, and other collection activities. If a debt collector violates the FDCPA, you may be entitled to statutory damages, actual damages, attorney fees, and court costs. These protections apply whether you are dealing with Western Mass Credit Corp or any other collection agency.
It’s important to keep detailed records of all communication with debt collectors, including phone calls, text messages, and letters. This documentation can be crucial if you need to file a debt lawsuit or recover actual damages for harassment. In addition to federal protections, many state laws provide even more safeguards, such as prohibiting debt collectors from contacting you at work or using offensive language. To fully understand your rights, you can contact your state attorney general’s office or consult with a law firm experienced in debt collection law.
Remember, you have the legal right to control how and when debt collectors contact you. You can stop receiving personal calls at inconvenient times and take legal action if your rights are violated. By knowing the law and your rights, you can protect your credit report, stop harassment, and ensure that debt collectors and collection agencies like Western Mass Credit Corp follow fair debt collection practices.
Is they a scam? No, They have been in business since 1999.
Can they seize my property? They can’t seize your property, but there are some exceptions. If the debt was tied to the property the creditor or debt collector may be able to repossess it. Or, if the creditor or debt collector has sued and obtained a judgment against you, the process may involve legal proceedings that allow them to take certain property as permitted by the court.
Can they sue me? Yes, both creditors and debt collectors can initiate legal proceedings to recover debts, so long as the debt is within the statute of limitations. Paying or not paying a debt can impact the collection process and the likelihood of legal actions.
Can they report my debt to the collections bureaus? Yes, debt collectors may report your debt to a credit reporting agency. It is important to verify the debt before it is reported to ensure accuracy. If a debt collector cannot collect your debt, they may sell the debt to another collection agency or debt buyer.
Can they arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, failing to pay a debt does not result in arrest, but legal proceedings may occur if you violate a court order, e.g. an order to appear in court. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
Debtors have options for managing debts, including negotiating payment plans, debt settlement, or considering bankruptcy as a last resort for relief from overwhelming debt and collection calls.
The following is a sample list of complaints filed against Western Mass Credit Corp and can be found on Pacer.org.
3:10-cv-00050-TJC-JRK Budnik v. Western Mass Credit Corp.
1:08-cv-00440-JG-CLP Malacapay v. Western Mass Credit Corp.
1:07-cv-02589 Young v. Western Mass Credit Corp.
1:06-cv-00652-ZLW Maldonado et al v. Western Mass Credit Corp.
Consumer Rights Law Firm, PLLC is a law firm that provides professional service to 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 their harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
We offer a range of services, including legal advice, representation, and assistance with stopping harassment. If you are interested in learning more about how to safeguard yourself and prevent even more harassment from Western Mass. Credit Corp, call us at
Success Stories
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued , it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately , they were able to put some money in my pocket as well , Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights”
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agencies in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer.”
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”
