DEBT BUYERS &
COLLECTORS
A debt buyer is a debt collection company that purchases junk debt and then actively attempts to collect that debt.
They differ from a traditional debt collection company in that debt buyers own the debt they are collecting on, whereas a traditional debt collection company typically is a third-party company that is attempting to collect a debt on behalf of the company that owns the debt.
Have you been sued by a debt buyer or a debt collector?
OR
Has a debt buyer or debt collector been attempting to collect a debt from you?
YOU MAY BE OWED MONEY!
Debt buyers and debt collectors have a long track record of abusive debt collection practices.
Boe & Associates helps consumers, like you, fight back against abusive debt buyers and debt collectors, and hold them accountable for their abusive and unfair debt collection practices.
If a debt buyer or a debt collector is contacting you, you need to contact
Boe & Associates, today!
A few of these companies we have helped our clients defeat include:
Click on a logo to learn
Are You Being Harassed By a Debt Buyer or Debt Collector?
The Fair Debt Collection Practices Act (FDCPA) provides consumer protections against harassment and abusive practices from debt collectors.
Contact us if you have experienced any of the following:
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Attempts to collect a debt you don't owe
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Multiple calls each week
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Calls in the early morning or late night
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Calls at work
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They call your friends, family, or neighbors
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Receiving automated robocalls in their attempts to collect
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Attempts to collect more than you owe
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Attempts to intimidate you
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Threats of lawsuits, violence, or arrest
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Being threatened with negative credit reporting
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Criminal accusations being made toward you
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Attempts to collect a debt you don't owe
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Multiple calls each week
-
Calls in the early morning or late night
-
Calls at work
-
They call your friends, family, or neighbors
-
Receiving automated robocalls in their attempts to collect
-
Attempts to collect more than you owe
-
Attempts to intimidate you
-
Threats of lawsuits, violence, or arrest
-
Being threatened with negative credit reporting
-
Criminal accusations being made toward you
Boe & Associates wants to help you fight back!
Even if you owe the debt, you have still have rights and you still can fight back! Call us today!
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Deby buyers purchase uncollectible debt from creditors like banks, credit card companies, lending companies, and utility companies. Debt buyers purchase the debt from these companies in bulk and end up paying pennies on the dollar for the "junk debt."
Once the debt buyer has purchased the debt, they become the new owner of the debt and have all the rights of the original owner, including the right to collect on that debt. After the debt has been purchased, the debt will typically show up on the consumer's credit report as a new account with the debt buyer as the new owner of the debt.
Because debt buyers only make money when they collect the debt they've purchased, most debt buyers can be very aggressive in their collection efforts and many of them employ brazen and abusive tactics that violate state and federal consumer protection laws.
However, most consumers are not aware of their the laws that have been put in place to protect them against abusive debt collectors. These companies know this so they are not too concerned with getting caught violating these laws. Even when caught, the big companies that can afford it, just pay the fines and continue their abusive practices.