Valentine & Kebartas Debt Collection Harassment

Valentine & Kebartas Debt Collection Harassment? Tired of Valentine & Kebartas Debt Collection Harassment? Wish there was a way to make the calls stop? Is Valentine & Kebartas constantly calling and harassing you? Does your phone ring every day, several times per day, because Valentine & Kebartas is calling you to demand payment? Threatening you with legal action? Has Valentine & Kebartas ever used abusive or profane language when speaking with you on the phone? If so, Valentine & Kebartas may be violating your legal rights. Stop the harassment.

The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.

Is Valentine & Kebartas A Scam

According to the Better Business Bureau website, Valentine & Kebartas has been in business since 1994. They hold a compliance manager license (CM12047) and their manager NMLS registry number is prominently listed, showcasing their commitment to industry regulations and best practices. There have been 11 complaints closed in the last 3 years and 6 complaints closed out in the last 12 months.

Who is Valentine & Kebartas Debt Collector

Valentine & Kebartas, LLC Valentine, is a third party Debt Collection Harassment by Valentine & Kebartas  located in Lawrence, Massachusetts. They have been sued in federal court over 230 times for violating consumer’s rights while collecting on alleged debts. A recent Federal Court case alleges that Valentine & Kebartas, LLC was illegally collecting debts in states where they are not licensed to collect. Valentine Kebartas LLC NMLS highlights their licensing and compliance credentials, ensuring adherence to best practices and strict privacy policies. Additionally, their Nevada Compliance Manager NMLS emphasizes their commitment to state-specific regulations.

Company History and Background

Valentine & Kebartas, LLC has a rich history dating back to 1994 when it was founded by Bob Kebartas and Cheryl Valentine. The company started as a small debt collection agency and has since grown into a full-service account receivable management company. Over the years, Valentine & Kebartas, LLC has established itself as a reputable player in the debt collection industry, specializing in education debt collection, including private student loans. The company has worked with various clients, including Navient Solutions, Inc. (formerly known as Sallie Mae), credit card companies, utility companies, and retailers. This diverse client base has allowed Valentine & Kebartas, LLC to expand its services and expertise, making it a significant entity in the debt collection sector.

Legal Protections and Recourse:

The FDCPA was enacted to protect consumers from abusive debt collection practices, including harassment. However, despite these regulations, debt collection agencies like Valentine & Kebartas often find loopholes or choose to disregard the law. Consumers must be aware of their rights and take necessary steps to protect themselves. It is also important to note that a compliance manager nmls registry ensures that agencies adhere to licensing and regulatory standards, which can help build trust and credibility.

Individuals who believe they are victims of debt collection harassment should document all communication with Valentine & Kebartas, including dates, times, and the content of interactions. Additionally, filing complaints with regulatory bodies such as the (CFPB) and seeking legal advice can be crucial steps toward holding debt collectors accountable.

Understanding Debt Collection Harassment

Debt collection is a legitimate business activity, essential for maintaining the economic ecosystem. However, the line between ethical debt recovery and harassment is often blurred, with companies like Valentine & Kebartas facing numerous allegations of crossing that line. Harassment can take various forms, including incessant phone calls, threatening language, and unfair practices that leave consumers feeling helpless and anxious.

To ensure compliance with state regulations and maintain ethical standards, our company holds the CM12047 Nevada Compliance Manager license, underscoring our commitment to lawful and respectful debt collection practices.

Debt Collection Activities and Harassment

Valentine & Kebartas, LLC is a debt collector that engages in various debt collection activities, including sending collection letters and making phone calls to consumers. While the company is not a law firm, it has been known to use aggressive collection tactics to recover debts from consumers. Some consumers have reported experiencing harassment from Valentine & Kebartas, LLC, including excessive phone calls and threatening letters. However, it’s worth noting that the company has an A+ rating with the Better Business Bureau (BBB) and has closed several complaints against them in the past. This indicates that while there are reports of aggressive tactics, the company also takes steps to address and resolve consumer complaints.