Security Credit Systems Debt collection harassment? - Telephone Harassment (2023)

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Have you been receiving countless harassing calls from Security Credit Systems? Are these calls abusive or excessive? Do they keep bothering you despite you telling them to stop calling you? Did they mention that the bill you owe gives them a right to contact you any time? Do they feed you with false, misleading information in bid to get you to pay the debt you owe? Are you wondering how many phone calls constitute phone harassment or what the phone harassment laws are?

Debt collectors must act in accordance with the FDCPA (Fair Debt Collection Practices Act), which protects the rights of consumers in the context of debt collection. Consumers may not be aware that they can be awarded up to $1000 per FDCPA violation claim, and at times have their debt waved.

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Telephone Consumer Protection Laws under the TCPA

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.

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You may have a case against Security Credit Systems if they have acted in any of the following ways.

FDCPA violations from debt collectors that qualify as a harassment charge

  • 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 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).

What to do if you keep getting unwanted calls from Security Credit Systems

  • Do not answer calls from strange numbers.
  • Don’t engage the caller: many debt collectors make various threats in hope that you will respond emotionally. Do not give them that satisfaction.
  • Hang up when necessary: if the collector is being rude or using profane words, does not say anything, or refuse to identify themselves, then hang up.
  • Save any harassing messages you have received on your voice mail in case you need to present evidence of it in the future.
  • Do not disclose personal information especially to an anonymous caller.
  • Seek legal advice.
About Security Credit Systems

Security Credit Systems, Inc. (SCS) is now celebrating 35+ years in the collection industry. They are a privately held company running at the direction of the original ownership and serve the education and medical communities

Contact Information

100 River Rock Dr Ste 200

Buffalo, NY 14207-2163,

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Phone: (716) 882-4515

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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

Security Credit Systems may be contacting you from the following numbers:



Security Credit Systems BBB Information

BBB file opened: 12/1/1983

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Consumer Rights Law Firm Center BBB information

BBB Rating: A+


Can I take a debt collector to court for harassment? ›

You should write to the creditor who is harassing you asking them to stop. Tell them how you want to be contacted in future and ask them to confirm this in writing. You should point out in the letter that harassment is a criminal offence and you can take further action if your creditor doesn't stop.

What if I'm being contacted about debts for someone not at my address? ›

If you receive letters that look like they're from a bailiff or about a County Court judgment (CCJ or other court letter, don't ignore them. Call the court or bailiff and let them know the previous occupant no longer lives at this address to speed up the process of them updating their records.

How can I get collections removed from my credit report? ›

You can ask the current creditor — either the original creditor or a debt collector — for what's called a “goodwill deletion.” Write the collector a letter explaining your circumstances and why you would like the debt removed, such as if you're about to apply for a mortgage.

What are the 11 words in credit secrets? ›

Use This 11 Word Phrase to Stop Debt Collectors
  • Keep a record of all communication with debt collectors. ...
  • Write a cease and desist. ...
  • Explain the debt is not legitmate. ...
  • Review your credit reports. ...
  • Explain that you cannot afford to pay. ...
  • Give the debt collector your current address.
21 Jul 2022

How can you prove harassment? ›

Proving harassment to secure a conviction

the defendant has pursued a course of conduct. the course of conduct amounted to harassment of another person. the defendant knew or ought to have known that the course of conduct amounted to harassment.

How many times can a company call you before it's harassment? ›

Nevertheless, creditors may not call you more than 7 times within 7 consecutive days or call you within 7 days of talking to you about the debt. If your creditor calls you multiple times a day or continues calling even after you answer the phone and speak with them, you are likely facing creditor harassment.

What proof does a debt collector need? ›

At a minimum, it must produce: A copy of the original written agreement between the parties, such as the loan note or credit card agreement, preferably signed by you. If the account has been sold to another creditor, then that creditor must prove that it has the right to sue to collect the debt.

What do I say to creditors if I can't pay? ›

If you don't pay your bills
  • Ask the name of the caller. Get the name of the creditor and the name, address and telephone number of the collection agency. ...
  • Remain calm. Explain your current financial situation and how much of the bill you are able to pay, according to your repayment plan.
  • Dispute debts in writing.

How can I get a collection removed without paying? ›

There are 3 ways you can remove collections from your credit report without paying. 1) sending a Goodwill letter asking for forgiveness 2) disputing the collections yourself 3) working with a credit repair company like Credit Glory that can dispute it for you.

What is a 609 dispute letter? ›

A 609 Dispute Letter is often billed as a credit repair secret or legal loophole that forces the credit reporting agencies to remove certain negative information from your credit reports. And if you're willing, you can spend big bucks on templates for these magical dispute letters.

What do you say when disputing a collection? ›

What parameters should you include in a collection dispute letter?
  1. Your details – name, address, official email address, etc.
  2. Request for more information about the creditor.
  3. Amount of debt owed.
  4. A request note to not to report the matter to the credit reporting agency until the matter is resolved.

How do I fight back against debt collectors? ›

Here are a few suggestions that might work in your favor:
  1. Write a letter disputing the debt. You have 30 days after receiving a collection notice to dispute a debt in writing. ...
  2. Dispute the debt on your credit report. ...
  3. Lodge a complaint. ...
  4. Respond to a lawsuit. ...
  5. Hire an attorney.

What is the credit loophole? ›

"The 609 loophole is a section of the Fair Credit Reporting Act that says that if something is incorrect on your credit report, you have the right to write a letter disputing it," said Robin Saks Frankel, a personal finance expert with Forbes Advisor.

Can I ignore debt collectors? ›

Ignoring or avoiding the debt collector may cause the debt collector to use other methods to try to collect the debt, including a lawsuit against you. If you are unable to come to an agreement with a debt collector, you may want to contact an attorney who can provide you with legal advice about your situation.

What is intimidating behaviour? ›

This includes actions of abuse, harassment and intimidation such as: verbal abuse; physical attacks; being stalked followed or loitered around; threats of harm; distribution of misinformation; character assassination; inappropriate emails, letters, phone calls and communications on social media; sexual harassment or ...

Is psychological harassment illegal? ›

While the most basic types of harassment are verbal and psychological, there are also more serious forms, such as physical and sexual. All types of workplace harassment are illegal.

What is the sentence for harassment without violence? ›

What sentence could I get for harassment? For the offence without violence, the basic offence of harassment, up to six months imprisonment can be imposed.

How many phone call is considered harassment? ›

Just one unwelcome call can be harassing; but usually your local phone company will not take action unless the calls are frequent. However, if a call specifically threatens you or your family with bodily harm, the phone company will generally take immediate action. 4.

Is it legal for debt collectors to call multiple times a day? ›

Federal law doesn't give a specific limit on the number of calls a debt collector can place to you. A debt collector may not call you repeatedly or continuously intending to annoy, abuse, or harass you or others who share the number.

Can you sue a company for calling you too much? ›

If you receive a robocall or any telemarketing call from a U.S. company that you did not agree to through "express consent," you can sue and receive compensation. These calls include robocalls and, in some cases, debt collectors. A lawyer may be able to get between $500 and $1500 for each call that violates the rule.

Do debt collectors ever give up? ›

You are past-due, or delinquent, on your bills and your card issuer's collections representative calls you to pay your overdue balance. After about six months (depending on the lender), they will give up.

What are two things prohibited by the Fair Debt Collection Practices Act? ›

They are not permitted to: Threaten you with violence or harm. Use obscene or profane language. Call you repeatedly.

What happens if a debt collector Cannot validate a debt? ›

If a debt collector fails to validate the debt in question and continues trying to collect, you have a right under the FDCPA to countersue for up to $1,000 for each violation, plus attorney fees and court costs, as mentioned previously.

How Can I Stop Debt Collectors Harassment? ›

If you believe a debt collector is harassing you, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). You can also contact your state's attorney general .

What debt collectors Cannot do? ›

They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you. Debt collectors cannot make false or misleading statements.

How much will a creditor settle for? ›

Typically, a creditor will agree to accept 40% to 50% of the debt you owe, although it could be as much as 80%, depending on whether you're dealing with a debt collector or the original creditor. In either case, your first lump-sum offer should be well below the 40% to 50% range to provide some room for negotiation.

What happens if you don't pay collections? ›

If you ignore a debt in collections, you can be sued and have your bank account or wages garnished or may even lose property like your home. You'll also hurt your credit score. If you aren't paying because you don't have the money, remember that you still have options!

What is the best reason to put When disputing a collection? ›

Accounts that are incorrectly reported as late or delinquent, such as by a collection agency or other creditor. Debts listed on your credit report more than once. Incorrect dates of payments or delinquencies. Accounts with an incorrect balance.

Do you have to pay debt collectors? ›

These third-party companies are hired to pursue a firm's unpaid debts. You're still liable for your bill even after it's sent to a collection agency. Many people don't want to pay collection agencies, perhaps because there's no immediate benefit for paying off the debt—other than ending debt collection calls.

What is a 623 dispute letter? ›

The name 623 dispute method refers to section 623 of the Fair Credit Reporting Act (FCRA). The method allows you to dispute a debt directly with the creditor in question as long as you have already filed your complaint with the credit bureau and completed their process.

What is Section 623 of the Fair Credit Reporting Act? ›

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer's dispute that the furnished information is inaccurate or incomplete.

Do 609 letters still work? ›

There's no evidence to suggest a 609 letter is more or less effective than the usual process of disputing an error on your credit report—it's just another method of gathering information and seeking verification of the accuracy of the report. If disputes are successful, the credit bureaus may remove the negative item.

How do I dispute a credit report and win? ›

Bottom line
  1. Fill out a credit bureau dispute form.
  2. Print your credit report and circle the errors.
  3. Attach documents that support your dispute.
  4. Write a letter to the credit bureau explaining the errors.
  5. Send your documents by certified mail with a return receipt, so you know they received your letter.
30 Jan 2020

What does a creditor have to provide to validate a debt? ›

To satisfy the requirement to provide this validation information, a debt collector must disclose the version of the consumer's name that the debt collector reasonably determines is the most complete and accurate version of the name about which the debt collector has knowledge.

Can you pay the original creditor instead of the collection agency? ›

Unfortunately, you're still obligated to pay a debt even if the original creditor sells it to a collection agency. As long as you legally consented to repay your loan in the first place, it doesn't matter who owns it. You may be able to pay less than you actually owe, though.

What is considered harassment by a debt collector? ›

The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Some examples of harassment are: Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Obscene or profane language.

What proof must a debt collector provide? ›

Debt collectors are legally required to send you a debt validation letter, which outlines what the debt is, how much you owe and other information. If you're still uncertain about the debt you're being asked to pay, you can send the debt collector a debt verification letter requesting more information.

What to do if a company is harassing you? ›

I'm being harassed at work. What actions should I take?
  1. Inform a supervisor, a member of the Human Resources department, or another designated person at their company.
  2. File a harassment complaint with the California Department of Fair Employment and Housing (“DFEH”).

Can you complain about debt collectors? ›

You can complain to the Financial Ombudsman Service (FOS) about how a creditor or debt collection agency has behaved when dealing with your account. The service is free and independent. FOS will look at your complaint and decide if the creditor or debt collection agency has treated you fairly.

How many phone calls is considered harassment? ›

Just one unwelcome call can be harassing; but usually your local phone company will not take action unless the calls are frequent. However, if a call specifically threatens you or your family with bodily harm, the phone company will generally take immediate action. 4.

What can you do if you are being harassed by debt collectors? ›

If you are contacted or sued by a debt collector, you may want to contact a lawyer who represents consumers in debt collection matters. If you're having an issue with debt collection, you can submit a complaint online or by calling (855) 411-CFPB (2372).

How many times can a debt collector call before it's harassment? ›

Federal law doesn't give a specific limit on the number of calls a debt collector can place to you. A debt collector may not call you repeatedly or continuously intending to annoy, abuse, or harass you or others who share the number.

Do debt collectors have to show proof of debt? ›

Does a Debt Collector Have to Show Proof of a Debt? Yes, debt collectors do have to show proof of a debt if you ask them. Make sure you understand your rights under credit collection laws.

What constitutes a false and misleading debt collection practice? ›

This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes: Misrepresentations about the debt, including the amount owed. Falsely claiming that the person contacting you is an attorney. Threats to have you arrested.

What are two things prohibited by the Fair Debt Collection Practices Act? ›

They are not permitted to: Threaten you with violence or harm. Use obscene or profane language. Call you repeatedly.

What is psychological harassment? ›

Psychological harassment means any vexatious behaviour in the form of repeated and hostile or unwanted conduct, comments, actions or gestures that affects an individual's dignity or psychological or physical integrity and that results in a harmful work or learning environment for the individual.

Is psychological harassment a crime? ›

The Criminal Code does codified and criminalize many family violence offences that involve some form of emotional or psychological abuse. However, not all forms of emotional abuse or psychological abuse are considered crimes, but they are still very serious and can be used as evidence of potential crimes.

Can you sue bailiffs for harassment? ›

You can complain about a bailiff ('enforcement agent') if you think they've broken the rules, for example if they: threaten or harass you. try to break into your home without a warrant.

How do I report a collection agency for harassment? ›

If you feel that you have been a victim of debt harassment, you have several options. In the first instance, you should submit a formal complaint to both your creditor and the agency that the debt collector or bailiff works for. You can also seek advice from the citizens' advice consumer helpline.

How can I get out of debt collectors without paying? ›

There are 3 ways you can remove collections from your credit report without paying. 1) sending a Goodwill letter asking for forgiveness 2) disputing the collections yourself 3) working with a credit repair company like Credit Glory that can dispute it for you.


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