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Is Vance & Huffman a Scam?
Have you been receiving countless harassing, and even outrightly threatening calls from a caller claiming to be a representative of Vance & Huffman and trying to collect on a debt that you don’t even remember acquiring? This is not an uncommon scenario to find yourself in, scammers are known to call and even threaten people to make payments for debts that do not exist.
While Vance & Huffman is a legitimate and BBB accredited collection agency licensed to collect delinquent debts from consumers in the United States, The National Fraud and Cyber Crime Reporting Centre (NFCCCRC) has noted an increase in the number of calls by fraudsters to public members requesting for the payment of a phantom debt. Most of these debts are non-existent, and because the fake collection agency is aware of this (and the fact that they cannot provide worthwhile evidence to back up their claim), they often resort to violent and unethical debt collection methods.
Regardless of whether the debt collection agency contacting you over an unpaid debt is legitimate or not, debt collection harassment is outlawed in the United States trough laws like the FDCPA and the TCPA. If you think Vance & Huffman has violated your FDCPA rights in any way, you may be entitled to statutory damages of up to $1000. Similarly, if they violate your TCPA rights, you may be entitled to statutory damages of $500 and $1500 if you can prove that it was a willful violation.
Call us today on 844-791-1990, and let us begin to turn your case of debt collection harassment into a success story.
How to Avoid Paying a non-existent Debt
A debt collection scam implies being contacted by someone posing to be a debt collector or a law enforcement agent or claiming to work under a business, court, or other official bodies, in a bid to recover funds for a debt, which in reality does not exist.
The scammer may request payment by bank transfer and resort to other violent methods such as threatening to visit the consumer’s home or workplace in a bid to recover the alleged debt. In other cases, the target may be threatened with arrest, bodily harm, or jail time. This is a common form of debt collection fraud.
Be sure to verify the number of the person calling you and claiming to be a representative of a debt collection agency, verify the legitimacy of the collection agency they claim to represent as well. Similarly, if you do not recall incurring the debt that they claim you owe, be sure to check your credit report to determine whether it is listed there. If everything checks out, ask the debt collection agency for a written validation of the debt which they claim you owe within five days from the first day they contacted you.
How to Defend yourself against Debt Collection Scams
- Investigate: If the caller claims that you are being sued, they must be able to provide a warrant and case number along with the contact details of the court they are calling form. This can be used as a reference.
- If the caller claims to be a court or law enforcement official, they must be able to identify themselves as with their identity card showing their number and photograph.
- Be sure to verify with your employer before agreeing to pay a debt on behalf of the business you work for. Fraudsters may tell you that you will be reimbursed by your employer when in reality, the debt does not exist.
- Fraudsters can fake online profiles in a bid to get you to believe them. Do not believe that the outfit they claim to represent is genuine simply because they have an online presence. Be sure to check them out on other recognized platforms like the Better Business Bureau.
- If your original debt collector has not informed you about your debt being transferred to a third-party, verify the collection agency’s claim by placing a call to your original lender.
- Don’t be pressured to make a drastic decision based on a phone call.
About Vance & Huffman
Vance & Huffman LLC is a full-service debt purchaser specializing in debt recovery and debt management to consumers in the United States.
Contact Information
55 Monette Pkwy STE 100
Smithfield, VA 23430-2577,
USA.
Website: https://www.vhllc.co
Phone: (757) 542-3501
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. Read more about us here.
Call us now on 844-791-1990
Vance & Huffman may be contacting you from the following numbers:
855-206-6697
(757) 542-3501
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Vance & Huffman BBB Information
BBB file opened: 3/26/2014
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
