Credit Resolutions LLC: What to Do About Phone Harassment

Credit Resolutions LLC: What to Do About Phone Harassment If Credit Resolutions LLC is calling you repeatedly, threatening you without proof, or contacting you at unreasonable hours, you have rights under federal and state law. This article explains what behavior may be illegal, what protections you are entitled to, and how to stop the harassment once and for all. Who Is Credit Resolutions LLC? Credit Resolutions LLC is a third-party debt collection agency located in Middlefield, Connecticut. They handle past-due accounts on behalf of businesses, medical practices, and other service providers. They collect on debts that have been assigned or sold to them. Though collection efforts themselves are lawful, how they go about those efforts is strictly regulated to prevent abuse. Consumer Rights Law Firm PLLC Signs That Their Conduct May Be Harassment Even when a debt is genuinely owed, certain tactics cross the line into harassment. Possible red flags if you are dealing with Credit Resolutions LLC include: Receiving multiple calls per day, or very frequently over a short span of time Consumer Rights Law Firm PLLC Calls outside the hours considered reasonable (typically before 8 a.m. or after 9 p.m.) Threats of legal consequences, wage garnishment, or arrest without legal authority Disclosure of your debt to third parties such as family, friends, or employer Ignoring your request to validate the debt or failing to provide documentation of what you owe Continuing calls or collection attempts after you send a written dispute or validation request These behaviors may violate the Fair Debt Collection Practices Act (FDCPA) or similar state laws. Lexington Law +2 Vullings Law Group LLC +2 Your Legal Protections Under the FDCPA The FDCPA provides you with several protections against abusive or deceptive collection practices. Key rights include: You must receive a written debt validation notice within five days of initial contact, showing the amount owed, the original creditor, and how you can dispute the debt. Consumer Rights Law Firm PLLC +1 Debt collectors are prohibited from calling before 8 a.m. or after 9 p.m. unless you agree. Vullings Law Group LLC +1 Harassment—such as threatening language, insults, or repeated calls aimed to annoy—is not allowed. Vullings Law Group LLC +1 Once you send a written dispute, collection must halt until validation is provided. Vullings Law Group LLC +1 If these rights are violated, you may be entitled to statutory damages, actual costs, attorney fees, and possibly other compensation. Steps You Can Take If You’re Being Harassed Document Everything Log each call or message: date, time, caller identity (if known), phone number, and what was said. Save voicemails, letters, texts, or emails. Detailed records are crucial. Send a Debt Validation Request Write a letter demanding proof of the debt. Include your full name, account number (if known), and request the original creditor information. Send via certified mail to have proof of delivery. Issue a Cease & Desist Notice If calls persist, send a formal written notice asking Credit Resolutions LLC to stop calling you except for legally required communications. Once they receive it, their contact should be limited by law. File Complaints with Authorities You can file with: The Consumer Financial Protection Bureau (CFPB) Your State Attorney General or consumer protection agency In some cases, small claims or other courts under FDCPA or state law Get Legal Advice A consumer protection attorney can help assess whether Credit Resolutions LLC has violated the law, assist with legal filings, and represent you in court if needed. Can They Sue You or Garnish Wages? Yes, under certain conditions. If Credit Resolutions LLC obtains a court judgment, they may have the legal authority to garnish wages or take other enforcement actions. But this only applies if they follow all legal steps, and the statute of limitations for your state has not expired. Consumer Rights Law Firm PLLC +1 Why Acting Early Helps Prolonged harassment typically causes additional stress, harms credit reports, and sometimes leads to legal threats. By acting sooner—seeking validation, documenting abuse, demanding that they stop—you improve your chances of stopping the unwanted contact and potentially getting compensation. If you believe Credit Resolutions LLC is violating your rights with phone harassment, you deserve closure and fairness. To explore detailed legal options and get help, see Credit Resolutions LLC Phone Harassment .

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Credit Resolutions LLC: What to Do About Phone Harassment If Credit Resolutions LLC is calling you repeatedly, threatening you without proof, or co...

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