Stop ESR Agency Debt Harassment

Falling behind on a payment due to an emergency or sudden loss of income can happen to anyone. Unfortunately, if you miss too many payments, your lender may sell your debt to a collection agency that may use illegal tactics to try and collect on your account. 

Tolerance of illegal behavior from debt collection agencies can vary from person to person. Ultimately, no consumer should have to tolerate harassing conduct from debt collection companies such as ESR Agency regarding a debt. If you’re dealing with harassing calls from ESR Agency, getting help from a debt collection lawyer can halt illegal conduct and let you get your life back on track.

 

What Is ESR Agency?

ESR Agency is a debt collector based in Buffalo, New York. The debt collection agency does not currently have a website where consumers can find information regarding its services and where debtors can make payments.

What Complaints Are Consumers Making About ESR Agency?

ESR Agency has a non-accredited profile on the Better Business Bureau website. In addition, there are no consumer reviews or complaints on the company’s BBB profile, which was opened in 2007.

Posts on Complaints Board show that consumers found problems with ESR Agency’s conduct. Multiple complaints speak of rude behavior, while specific issues speak of misleading behavior. 

One consumer states that ESR Agency threatened them with arrest. Another talks about how two other collections agencies contacted them despite being reassured by ESR that their issue was resolved after having made payment.

What Are the Signs That You Are Being Harassed by ESR Agency?

Debtors unaware of their consumer rights may consider debt collection agencies’ harassing conduct legal. However, to determine whether ESR Agency is breaking the law in how its representatives treat you, it’s essential to understand the telltale signs of debt collection harassment.

Being contacted multiple times daily by a representative using threatening or offensive language is a clear sign of harassment. Furthermore, calling your friends or relatives to discuss your debt is another action that crosses the line into illegal conduct. 

Threats to garnish your wages or take legal action against you are also signs that a debt collector is operating beyond what the law allows.

This constant badgering from debt collectors can take a toll on your life, with mental and physical consequences. If you feel pressured by ESR or another debt collection agency, it can force you into making decisions that aren’t in your best interest in an attempt to make the harassment stop.

Constant phone calls and aggressive language can pressure you into paying the specific debt over other financial responsibilities you have. By putting off more urgent debts, you may suffer a chain reaction of missed payments and create new adverse actions on your credit report.

Furthermore, the debt collector’s constant pressure stress can lead to embarrassment and panic. If your daily life is suffering due to constantly being preoccupied with ESR Agency’s harassing conduct, this can lead to disagreements with a spouse, poor performance at work, or even accidents due to being distracted from your daily obligations.

It’s essential to be aware of the signs of debt collection harassment and take decisive action to halt illegal conduct by ESR Agency.

Legal Protection From Collections Harassment

At the federal level, the Fair Debt Collection Practices Act (FDCPA) prohibits collectors from engaging in certain practices, including:

  • Falsely representing that the debt collector represents a state or federal government agency
  • Giving misleading information on the amount or status of an account
  • Falsely implying that the debt collection agency is a law firm or law enforcement
  • Implying that nonpayment of the debt will lead to the debtor’s arrest
  • Publishing lists of consumers who refuse to make payments on their debts
  • Calling consumers without revealing who they are
  • Using robocalls prohibited by the Telephone Consumer Protection Act (TCPA) 
  • Collecting interest on a debt that isn’t in the contract

Stop Harassment From ESR Agency

If you are being harassed by ESR Agency over a missed payment, hiring a consumer protection attorney can give you the peace of mind of experienced legal counsel. 

Agruss Law Firm helps debtors who are being mistreated, threatened, and misinformed by debt collectors. Our attorneys can communicate with debt collectors on your behalf to end any oppressive activities and help give you the room you need to get your finances in order. 

We use our knowledge of the legal system to protect consumers in their efforts to hold collection agencies accountable. 

Contact our law firm to arrange a free, no-risk consultation where we can discuss the details of your case and learn how we support our clients by seeking the maximum damages allowable

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