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Has P & B Capital Group Violated Your Rights?
It is not alien that numerous debt collectors have tried to overstep their boundaries in a bid to get debtors to pay off their debts. Irrespective of the form of debt (mortgage, student loan debt, or medical debt), P & B Capital in all probability may call out for your debt payment.
Peradventure you have received countless aggravating calls from P & B Capital; you may understand the tendency of debt collection turning out to be debt collection harassment and irrespective of your consistent complaints regarding the calls, they seem to be nonchalant about it.
P & B Capital may at some point state that they have the right to call you persistently because of the debt you owe. You may also have been given the wrong information to threaten you into paying your debt. This is very unethical.
According to the Fair Debt Collection Practices Act (FDCPA); all debt collectors need to act in order to protect their customers’ rights. This does not endorse writing off debts; it only restricts the strategies P & B Capital can utilize to get you to pay your debt. In addition, it states that you can be compensated for any violation claim, in line with FDCPA, once you are a victim of debt collection harassment.
What counts as FDCPA violation for P & B Capital, and as harassment to you?
- According to the FDCPA, excessive calls from debt collectors (calling you more than 7 times in a day) depict harassment.
- All calls, before 8:00 AM or after 9:00 PM is equivalent to telephone harassment.
- Threats to sue you, harm, or cause you to lose your job or properties and destroy your credit are considered harassment.
- Debt collectors are not permitted to inflate charges or fees that your original loan agreement does not cover; informing you to make payments of interests or expenses not specified by the law is harassment.
- Debt collectors are not permitted to make errors when interpreting loan amounts; requesting that you pay more than the amount you owe is harassment.
- Failure to inform you of your right to dispute debts passes as phone harassment.
- Calling wrong numbers repeatedly also goes against the phone harassment laws
- All details about your debt should be kept confidential, only the creditor, your attorney, the creditor’s attorney, a credit reporting agency as well as your partners, or parents for minors are allowed to have access to information about your debt. Informing a third party about your debt without your consent is harassment.
How to Deal with Unwanted Calls
- Avoid responding to calls from unknown or strange numbers.
- Many debt collectors attempt to make diverse threats in a bid to get you to become emotional. Resist the urge to engage the callers and don’t let them get to you.
- Put an end to the call when you consider it necessary: If the debt collector sounds rude, uses abusive words or fails to identify him/herself, it is advisable to end the call.
- Save all harassing messages you get on your voice mail for reference purposes.
- Never share your personal information such as card or bank details with any debt collector, specifically the anonymous ones.
- Seek the services of a qualified debt collection lawyer.
The Laws that protect you
Aside from the FDCPA, the Telephone Consumer Protection Act (TCPA) serves to protect your right as a consumer too. The TCPA was initially passed in 1991 as a result of consumers’ complaints about unsolicited telephone marketing calls and constant prerecorded and automated messages sent to them. The FCC responded to these complaints by establishing laws that state that all telephone solicitation representatives must mention their names, the name of the individual or organization for whom they are making the call, and an address or phone number where that individual or organization can be contacted.
The use of automated dialing machines, fax machines, prerecorded voice messages, and SMS text messages are also not allowed by the TCPA. It also prohibits calls whose charge would be made to you; the receiving party. Finally, the act forbids sending unsolicited fax advertisements to customers without their consent. If any of these TCPA laws are violated, then you may be awarded $500 in damages for each breach. You can further make a request in writing to stop being contacted again and the law mandates them to adhere to your request.
What to do if P & B Capital violates your Telephone rights
If P & B Capital violates your rights, it implies that you may have a case against them. Below is a list of what you can do:
- Seek legal counsel then file a suit in court for each violation. For each violation, damages are set at $500. However, in some cases, it may be more.
- Tender a complaint against Credit Bureau Associates-Northeast, to the FCC. The FCC will then determine the suitable penalty against the debt collection agency.
- Call us via 844-791-1990 and we would ensure the process is smooth.
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About P&B Capital Group
P&B Capital Group was established in 2004 with the intention of bridging the gap between creditors and consumers. For years, they have continued to implement policies and procedures that ensure the consumer is satisfied with the resolution, not the creditor alone.
Contact Information
455 Center Rd Ste 1
West Seneca, NY 14224-2100,
USA.
Website: http://www.pandbllc.com/
Phone: (716) 891-5800
P&B Capital Group is often referred to or searched for by other names. These include:
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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. Read more about us here.
Call us now on 844-791-1990
P&B Capital Group may be contacting you from the following numbers:
716-891-5800
888-569-9635
877-743-9600
312-445-0291
760-851-0024
503-867-8805
406-534-0527
718-283-4210
P&B Capital Group BBB Information
BBB file opened: 12/14/2005
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
