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Is Balanced Healthcare Receivables, LLC harassing you?
If you don’t resolve your debts ( in the form of bank loans, credit card loans, or any other form of debt) for a lengthy period of time, the lender may decide to send your file to a third party debt collection agency (such as Balanced Healthcare Receivables, LLC). The job of a third-party debt collector is simply to contact you and take whatever measures are deemed necessary to collect the debt you owe. The third-party debt collector will want to do everything in their power to collect the defaulted loan because they get paid based on commission for debts resolved. this is probably why cases of debt collection harassment are so commonplace in modern society.
If you have enough resources to resolve the debt, you may assume that the best step to take is to pay up and get them to stop calling you. That’s logical, but first, are you sure that the person or organization calling your phone claiming to be Balanced Healthcare Receivables, LLC is really who they say they are? Here are a few steps to help you spot a fraudulent debt collection agency.
5 Tips to help you spot a fraudulent Debt Collection Agency
Debt collection harassment is challenging and inconvenient. It becomes worse especially when you’re not sure if the person calling you is a legitimate debt collector licensed to collect your debt or a fraudster trying to scam you. Here are a few helpful tips to keep in mind whenever you are dealing with a debt collector whose legitimacy you are unsure of.
- A legitimate debt collector will not withhold information (such as the name of the original creditor and the amount owed) from you.
- A legitimate debt collector will not put you under extreme duress to pay up a debt especially via an untraceable payment channel.
- A legitimate debt collector will not threaten you with violence, bodily harm, or jail time.
- A legitimate debt collector will not ask you to provide them with sensitive information such as your bank account number, or Social Security number.
- If you do not recognize the debt the caller claims you owe, ask them to send you a validation of the debt which should contain all the necessary information such as your name, the name of the original creditor, the amount owed, and the interest rates on the loan. if they fail to do so, then you may be dealing with a less than reputable “debt collector.”
Furthermore, debt collectors must act in accordance with the TCPA (Telephone Consumer Protection Act), which protects your rights as a consumer when it comes to how and when a debt collector is allowed to contact you. If Balanced Healthcare Receivables, LLC is in violation of any of your TCPA rights, you can be awarded up to $500 for each violation claim, and at times have your debt waived.
Your Rights under the Telephone Consumer Protection Act
If you are plagued by frequent unwanted calls, it may seem like too much to handle. The good news is that the Telephone Consumer Protection Act (TCPA) was primarily established to protect the rights of consumers like you. The TCPA bill was first passed in 1991 due to consumer complains about the increasing amount of unwanted telephone marketing calls made to them, and the frequent use of automated and prerecorded messages.
In response to the complains of consumers, the FCC established laws which stipulate that telephone solicitation representatives must provide:
- His or her name
- The name of the person or entity on whose behalf the call is being made
- A telephone number or address at which that person or entity can be reached
The law also bans telephone representatives from making solicitation calls to your home before 8 am or after 9 pm. It also requires telemarketers to comply with your request to not be contacted again.
The TCPA does not permit the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines. The act also bans auto dialers and artificial or prerecorded voice messages programmed to contact your pagers or cellular phones. Calls for which a charge is made to the receiving entity are also not permitted. Anyone using an auto dialer or an artificial or prerecorded voice message to call you must also state their identity at the beginning of the message and give their address and phone number during the call.
Finally, the act restricts sending unsolicited advertisements by fax to anyone without their prior consent. If the Telephone Consumer Protection Act is violated then you may be entitled to $500 in damages for each violation.
You may have a case against Balanced Healthcare Receivables, LLC if they have acted in any of the following ways.
Your Rights under the Fair Debt Collection Practices Act
- 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 an 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).
Know your Rights and how to use them
In cases of debt collection harassment, consumer-friendly laws such as the FDCPA and the TCPA are your allies. They prevent debt collection agencies from employing devious methods to collect an outstanding loan from consumers whose accounts they are in charge of. If you are being contacted over the payment of a debt that you are unsure of, do not answer calls from strange numbers.
If you are engaged in a conversation with a debt collector who tries to agitate you, do not engage them in a heated exchange. Many debt collectors make various threats in hope that you will respond emotionally, don’t give them that satisfaction. Hang up when necessary, especially if the collector is being rude or using profane words, does not say anything, or refuses to identify themselves. Save any harassing messages you have received on your voice mail in case you need to present evidence of it in the future, and do not disclose personal information to an anonymous caller. Most importantly, seek legal advice.
About Balanced Healthcare Receivables, LLC
Balanced Healthcare Receivables, LLC is a third-party debt collector located in Nashua, New Hampshire. The company specializes in collecting medical debts that have gone into default.
Contact Information
164 Burke St STE 201,
Nashua, NH 03060-4783
Website: http://www.bhrllc.com
Phone: (866) 914-1659
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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
Balanced Healthcare Receivables, LLC may be contacting you from the following numbers:
866-914-1659
(866) 914-1659
Balanced Healthcare Receivables, LLC BBB Information
BBB file opened: 10/26/2009
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
