Do you have a debt harassment problem from the Collection Bureau of the Hudson Valley, Inc.? The debt collection industry is a huge one, with over $1 trillion in estimated revenue. Countless debt collection agencies have met with unhappy consumers in court because they employ unlawful and illegal tactics in order to coerce huge sums of money from consumers, many of who don’t have the resources to fight back. Collection Bureau of the Hudson Valley, Inc. is one of such agencies.
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About Collection Bureau of the Hudson Valley, Inc.
Collection Bureau of the Hudson Valley, Inc. is a third-party debt collector located in Newburgh, New York. Collection Bureau of the Hudson Valley, Inc. is a debt collection agency.
Contact Information
155 N Plank Rd
Newburgh, NY 12550-1747
Website: http://www.cbhv.com
Phone: (845) 561-6880
Alleged Consumer Right violations against Collection Bureau of the Hudson Valley, Inc.
In July of 2018, three New York consumers filed a class-action lawsuit against Collection Bureau of the Hudson Valley, Inc. The plaintiffs claim that Collection Bureau of the Hudson Valley, Inc. failed to appropriately identify creditors in collection letters sent to them. Similarly, in another case filed against Collection Bureau of the Hudson Valley, Inc., the plaintiff received a letter from the above-named debt collection agency in connection with a debt purportedly owed to Optimum that the man had disputed. The lawsuit says the letter was labeled as a “Notice of Intent” and stated:
“Our records indicate there is still a balance on this past due account. Please respond to this letter within seven days or we may take additional collection efforts. The creditor shown above has authorized us to submit this account to the nationwide credit reporting agencies. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.”
The charges claim that Collection Bureau of the Hudson Valley, Inc. aimed to use deceptive methods to get the recipient into claiming the obligation and admitting liability. They did this by implying that the only way to the recipient would avoid negative credit reporting is to make a payment. The letter also neglected to provide lawful disclosures regarding the plaintiff’s right to dispute the debt or request validation.
It seems pretty obvious that Collection Bureau of the Hudson Valley, Inc. is a debt collection company that is no stranger to lawsuits over their several Fair Debt Collection Practices Act violations. One of the most common ways they violate FDCPA rights is to employ sneaky tactics to get judgments against consumers without their knowledge or notice.
If you have an unsettled debt that is causing you trouble either from Collection Bureau of the Hudson Valley, Inc. or any other debt collection company please give us a call today on 844-791-1990 . We will assess your case for free and create a strategy to help you avoid a tight situation.
What do you do if you keep getting harassed by Collection Bureau of the Hudson Valley, Inc. and their unethical practices?
- Ignore anonymous callers.
- Know your Rights and insist that they are respected
- Hang up if the collector is being rude or using profane words. We also advise you to record such harassing calls.
- Save any harassing messages you have received on your voice mail in case you need to present evidence of it in the future.
- Keep private information private.
- NEVER admit to a debt that you haven’t received details regarding
- Get in touch with a qualified attorney.
Your Consumer Rights under the TCPA
The Telephone Consumer Protection Act stipulates that telephone solicitation representatives must provide:
- Their name
- The name of the person or organization on whose behalf the call is being made
- A telephone number or address at which the person or organization may be reached.
The Telephone Consumer Protection Act also prohibits:
- Automatic dialing systems
- Pre-recorded messages
- Unwanted SMS text messages
- Calls for which a charge is made to the account of the receiver
- Unsolicited advertisements by fax
The following are various ways by which Collection Bureau of the Hudson Valley, Inc. may have breached your FDCPA rights.
Your Consumer Rights under the FDCPA
- If debt collectors call you repeatedly or ceaselessly, they are not acting in accordance with phone harassment laws. The FDCPA considers repeat calls from debt collectors, amounting to the excess of 7 times a day as a case of harassment.
- If debt collectors call you before 8:00 am or after 9:00 pm, it may also be considered as a case of telephone harassment.
- If debt collectors are rude or hurl offensive, obscene, profane, or abusive words at you. the use of such words in customer relations is considered harassment. You are allowed to report such abusive phone calls to the police.
- If debt collectors demand that you pay interest, fees, or any other expenses that are not stipulated by law. The collector is not permitted to include any extra fees that your original credit or loan agreement does not allow.
- if the collector asks you to pay an amount in excess of what you owe. Misinterpretation of the loan amount is a mistake not permitted on the part of the collector.
- Debt collectors are not allowed to threaten to sue you, harm you, or destroy your credit. Making such threats is considered an act of harassment.
- Collectors are not permitted to threaten you with action they can not or will not take; thus, they can’t threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit, as this goes against phone harassment laws.
- If debt collectors keep calling the wrong person repeatedly, they are not acting in accordance with phone harassment laws.
- If the collector fails to notify you of your right to dispute the debt, they have erred on the side of phone harassment laws.
- Information about your debt is to be kept within relevant authorities. If debt collectors illegally inform a third party about your alleged debt, they have violated the FDCPA. They are only permitted to reveal such information to a third party if you have expressly given them permission. The only people authorized to receive information about your debt are your attorney, the creditor, the creditor’s attorney, a credit reporting agency, and your spouse or parent(s) (in cases of minors).
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About this site (Telephone Harassment)
Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms and Original lenders. We also encourage consumers to share their experience dealing with collection harassment, legal threats or excessive phone calls to help prepare others for the kind of treatment they are likely to receive. We alert consumers of scams and notify them about the harassment and scare tactics that many collection agencies employ, many of which are against phone harassment laws.
Call us now on 844-791-1990
Collection Bureau of the Hudson Valley, Inc. may be contacting you from the following numbers:
800-745-1395
845-561-6880
845-913-7403
888-913-7496
Collection Bureau of the Hudson Valley, Inc. BBB Information
BBB file opened: 12/31/1977
Consumer Rights Law Firm Center BBB information
BBB Rating: A+
https://www.bbb.org/us/ma/north-andover/profile/lawyers/consumer-rights-law-firm-0021-124253
