Evidence that proves Lakeside Receivables violated your rights includes detailed call logs, recorded conversations where legally permitted, voicemails containing threats or abusive language, and written communications showing false statements or unauthorized charges.
Building Your Case Against Lakeside Receivables:
Phone records from your carrier showing call frequency, dates, and times demonstrate patterns of excessive calling or calls outside legal hours. Request itemized call logs going back to the first Lakeside Receivables contact.
Voicemail recordings where Lakeside Receivables disclosed debt details, used threatening language, or failed to properly identify themselves provide direct evidence of violations. Save these in their original format; don’t just write down what they said.
Text messages or emails from Lakeside Receivables that contain false information, unauthorized fee additions, or threats of illegal action serve as written proof admissible in court.
Witness statements from family members, coworkers, or roommates who heard abusive language or received third-party disclosures strengthen your case beyond your testimony alone.
Credit reports showing Lakeside Receivables reported the debt without proper validation or with incorrect information demonstrate violations of both the FDCPA and the Fair Credit Reporting Act.
Certified mail receipts proving you sent validation requests or cease-and-desist letters establish timelines and show you properly exercised your legal rights.
The Wood Law Firm has successfully prosecuted cases against agencies like Collection Attorneys USA using similar evidence to secure damages for harassed consumers.
Where to Report Lakeside Receivables FDCPA Violations
Report Lakeside Receivables FDCPA violations to multiple agencies simultaneously to maximize accountability and create official records supporting potential legal action.
- Consumer Financial Protection Bureau (CFPB): File online at consumerfinance.gov or call 855-411-2372. The CFPB tracks complaint patterns and can initiate federal enforcement actions against repeat violators. Include specific dates, times, and descriptions of violations.
- New York Attorney General’s Consumer Frauds Bureau: New York maintains aggressive consumer protection enforcement. File complaints at ag.ny.gov or call 800-771-7755. The AG’s office has successfully prosecuted debt collectors for state law violations beyond federal FDCPA protections.
- Federal Trade Commission (FTC): Report at reportfraud.ftc.gov. While the FTC doesn’t resolve individual complaints, they use reports to identify patterns justifying investigation and enforcement actions.
- Better Business Bureau: File at bbb.org. BBB complaints create public records that other consumers can review when deciding whether to deal with Lakeside Receivables, and companies sometimes respond to BBB complaints to avoid reputation damage.
These complaints create official documentation of Lakeside Receivables’ illegal conduct. If you later sue them for FDCPA violations, these reports corroborate your claims and demonstrate you took reasonable steps to stop the harassment through proper channels.
However, filing complaints alone rarely stops aggressive collectors. Legal representation that threatens or initiates litigation typically produces faster results. Contact The Wood Law Firm at +1 844-638-1122 to discuss legal action.
How The Wood Law Firm Stops Lakeside Receivables Harassment
The Wood Law Firm stops Lakeside Receivables harassment by immediately intervening on your behalf, investigating FDCPA violations, and pursuing maximum compensation for illegal collection tactics.
Since 2010, we have specialized exclusively in consumer protection against debt collector abuse, maintaining an A+ Better Business Bureau rating while recovering damages for hundreds of harassment victims.
Our Process:
- Immediate Intervention: Once retained, we contact Lakeside Receivables directly, notifying them of our representation. Federal law prohibits them from contacting you once they know you have an attorney; calls typically stop within 48 hours.
- Violation Investigation: We analyze your case for FDCPA violations, including excessive calling, threats, third-party disclosure, time-of-day violations, workplace harassment, and false debt misrepresentation. Most clients have multiple violations worth hundreds or thousands of dollars in damages.
- Evidence Analysis: Our team reviews your call logs, voicemails, letters, and other documentation to build a comprehensive case. We identify every actionable violation and calculate total damages.
- Strategic Negotiation: We often negotiate settlements with Lakeside Receivables before filing suit. Many collectors prefer settling quickly rather than facing costly litigation and potential precedent-setting judgments.
- Aggressive Litigation: When settlement isn’t possible, we file federal lawsuits seeking statutory damages up to $1,000, actual damages for emotional distress, and full attorney fees. We have extensive trial experience when collectors refuse reasonable settlements.
- No Upfront Costs: We handle all cases on contingency, meaning you pay nothing unless we recover damages. The FDCPA requires debt collectors to pay our fees, so harassment victims never pay out-of-pocket for representation.
Our approach has successfully stopped harassment and recovered damages from agencies throughout New York and nationwide. Whether Lakeside Receivables violated your rights once or systematically harassed you for months, we hold them accountable.
Attorney Jeff Wood Leads Consumer Protection Practice
Attorney Jeff Wood founded The Wood Law Firm on a simple principle: debt collectors who break the law should pay the price, not consumers struggling with financial challenges. With over a decade of FDCPA litigation experience, Jeff has recovered hundreds of thousands of dollars in damages for clients harassed by agencies like Lakeside Receivables.
Jeff’s practice focuses exclusively on consumer protection; he doesn’t represent creditors or collectors, ever. This singular focus means he understands debt collector tactics intimately and knows how to counter them effectively. He has successfully litigated cases involving every FDCPA violation, from simple time-of-day infractions to complex schemes involving false debt validation and fraudulent court filings.
Clients appreciate Jeff’s direct communication style and commitment to transparency. He explains legal options clearly, sets realistic expectations, and keeps clients informed throughout their cases. His approach combines aggressive advocacy with genuine empathy for the stress and humiliation that debt collection harassment causes.
What Clients Say About Stopping Lakeside Receivables
“A debt collector called me 8-10 times daily for weeks, including at work where my boss threatened to fire me. The Wood Law Firm sent one letter and the calls stopped immediately. They recovered $3,400 in damages—the most I’ve ever gotten from any lawyer. Highly recommend.”
“I didn’t think I had a case because I actually owed the debt. The Wood Law Firm explained that owing money doesn’t give collectors the right to harass you. They documented multiple FDCPA violations and settled for $2,100, plus they got the debt removed from my credit report. Incredible result.”
“After three months of threatening voicemails and calls to my mother, who is above 60, I contacted this firm. They were professional, responsive, and aggressive in holding the collector accountable. The harassment stopped within day,s and we received $1,850 in settlement. Worth every minute I spent documenting those calls.”
Frequently Asked Questions About Lakeside Receivables
1. How many times can Lakeside Receivables legally call me per day?
The FDCPA doesn’t specify a number, but courts generally consider multiple daily calls harassment under 15 U.S.C. 1692d. Document every call—excessive calling supports FDCPA violation claims.
2. Can Lakeside Receivables call my workplace after I ask them to stop?
No, Lakeside Receivables must stop workplace calls once you inform them your employer prohibits personal calls or you request them to stop contacting you at work under 15 U.S.C. 1692c.
3. What should I do when Lakeside Receivables calls?
Request written validation of the debt, document the call’s date and time, avoid admitting you owe the debt, and contact The Wood Law Firm at +1 844-638-1122 to discuss legal options.
4. Can I sue Lakeside Receivables even if I owe the debt?
Yes, owing a debt doesn’t give collectors the right to violate the FDCPA. You can recover statutory damages up to $1,000 plus actual damages and attorney fees regardless of debt validity.
5. How long does Lakeside Receivables have to validate my debt?
They must stop collection efforts until they mail validation within a reasonable time after receiving your written request. Continuing collection without validation violates 15 U.S.C. 1692g.
6. Can Lakeside Receivables report the debt to credit bureaus?
Yes, but only if they properly validated it. Reporting unvalidated or inaccurate debts violates the Fair Credit Reporting Act and can result in additional damages.
7. What happens if Lakeside Receivables sues me?
You must respond to the lawsuit within the deadline specified in court papers. Failing to respond results in default judgment allowing wage garnishment and bank levies. The Wood Law Firm can defend you.
8. How do I stop Lakeside Receivables from calling permanently?
Send a cease-and-desist letter via certified mail invoking your rights under 15 U.S.C. 1692c. They can only contact you afterward to confirm cessation or notify you of lawsuits.
9. Can Lakeside Receivables garnish my wages without court approval?
No, wage garnishment requires a court judgment. Threats of immediate garnishment without filing a lawsuit violate 15 U.S.C. 1692e.
10. How does The Wood Law Firm charge for FDCPA cases?
We work on contingency with no upfront costs. The FDCPA requires losing collectors to pay our attorney fees, so clients never pay out-of-pocket for representation in successful cases.
Demand debt validation from Lakeside Receivables by sending a written request within 30 days of their first contact. This legal right under FDCPA 15 U.S.C. 1692g forces them to prove the debt is legitimate before continuing collection efforts.
What Your Validation Letter Should Include:
- Your full name and the address where Lakeside Receivables contacted you establish your identity and jurisdiction for any legal action.
- The account number Lakeside Receivables referenced in their communications helps identify the specific debt and prevents them from switching to a different account.
- A clear demand for written proof of the debt, including the original creditor’s name, original account number, original debt amount, and complete payment history showing how the current balance was calculated.
- A statement that you dispute the debt and require validation before any further contact or credit reporting occurs protects your rights under the FDCPA.
- A request for verification that Lakeside Receivables is licensed to collect debts in New York ensures they’re operating legally in your state.
- Send this letter via certified mail with a return receipt requested. Once Lakeside Receivables receives it, they must stop all collection activity until they provide adequate validation. Continuing to call, send letters, or report to credit bureaus during this validation period violates the FDCPA.
Many consumers successfully challenge debts during validation. Lakeside Receivables purchases debts in bulk with limited documentation. If they cannot validate the debt’s legitimacy, amount, or their legal authority to collect, they must cease collection efforts entirely.
Steps to Stop Lakeside Receivables Calls Permanently
Stop Lakeside Receivables calls permanently by asserting your right to cease communication under FDCPA 15 U.S.C. 1692c. This nuclear option ends all contact except for specific legally required notifications.
How to Execute a Cease-and-Desist:
- Draft a brief letter stating: “I am invoking my right under 15 U.S.C. 1692c to request that Lakeside Receivables LLC cease all communication with me regarding the alleged debt referenced in your communications.”
- Include your name, the address where they’ve been contacting you, and any account or reference numbers they’ve provided in previous communications.
- Send via certified mail with return receipt requested to: Lakeside Receivables LLC, 27 Main St, Tonawanda, NY 14150.
- Keep copies of everything—the letter, certified mail receipt, and the return receipt when it arrives.
- Document any calls or letters received after they receive your cease-and-desist letter, as each violation can result in additional statutory damages.
After receiving your cease-and-desist letter, Lakeside Receivables can only contact you to confirm they’re stopping communication or to notify you they’re filing a lawsuit. Any other contact violates federal law.
Be aware that ceasing communication doesn’t eliminate the debt. Lakeside Receivables may still sue you if the debt is within New York’s six-year statute of limitations. However, stopping the harassment often motivates collectors to sell the debt to another agency rather than pursue costly litigation.
The Wood Law Firm has helped numerous clients stop harassment from Spire Recovery Solutions and other aggressive agencies using cease-and-desist letters combined with FDCPA violation claims.
What Evidence Proves Lakeside Receivables Violated Your Rights
Evidence that proves Lakeside Receivables violated your rights includes detailed call logs, recorded conversations where legally permitted, voicemails containing threats or abusive language, and written communications showing false statements or unauthorized charges.
Building Your Case Against Lakeside Receivables:
Phone records from your carrier showing call frequency, dates, and times demonstrate patterns of excessive calling or calls outside legal hours. Request itemized call logs going back to the first Lakeside Receivables contact.
Voicemail recordings where Lakeside Receivables disclosed debt details, used threatening language, or failed to properly identify themselves provide direct evidence of violations. Save these in their original format; don’t just write down what they said.
Text messages or emails from Lakeside Receivables that contain false information, unauthorized fee additions, or threats of illegal action serve as written proof admissible in court.
Witness statements from family members, coworkers, or roommates who heard abusive language or received third-party disclosures strengthen your case beyond your testimony alone.
Credit reports showing Lakeside Receivables reported the debt without proper validation or with incorrect information demonstrate violations of both the FDCPA and the Fair Credit Reporting Act.
Certified mail receipts proving you sent validation requests or cease-and-desist letters establish timelines and show you properly exercised your legal rights.
The Wood Law Firm has successfully prosecuted cases against agencies like Collection Attorneys USA using similar evidence to secure damages for harassed consumers.
Where to Report Lakeside Receivables FDCPA Violations
Report Lakeside Receivables FDCPA violations to multiple agencies simultaneously to maximize accountability and create official records supporting potential legal action.
- Consumer Financial Protection Bureau (CFPB): File online at consumerfinance.gov or call 855-411-2372. The CFPB tracks complaint patterns and can initiate federal enforcement actions against repeat violators. Include specific dates, times, and descriptions of violations.
- New York Attorney General’s Consumer Frauds Bureau: New York maintains aggressive consumer protection enforcement. File complaints at ag.ny.gov or call 800-771-7755. The AG’s office has successfully prosecuted debt collectors for state law violations beyond federal FDCPA protections.
- Federal Trade Commission (FTC): Report at reportfraud.ftc.gov. While the FTC doesn’t resolve individual complaints, they use reports to identify patterns justifying investigation and enforcement actions.
- Better Business Bureau: File at bbb.org. BBB complaints create public records that other consumers can review when deciding whether to deal with Lakeside Receivables, and companies sometimes respond to BBB complaints to avoid reputation damage.
These complaints create official documentation of Lakeside Receivables’ illegal conduct. If you later sue them for FDCPA violations, these reports corroborate your claims and demonstrate you took reasonable steps to stop the harassment through proper channels.
However, filing complaints alone rarely stops aggressive collectors. Legal representation that threatens or initiates litigation typically produces faster results. Contact The Wood Law Firm at +1 844-638-1122 to discuss legal action.
How The Wood Law Firm Stops Lakeside Receivables Harassment
The Wood Law Firm stops Lakeside Receivables harassment by immediately intervening on your behalf, investigating FDCPA violations, and pursuing maximum compensation for illegal collection tactics.
Since 2010, we have specialized exclusively in consumer protection against debt collector abuse, maintaining an A+ Better Business Bureau rating while recovering damages for hundreds of harassment victims.
Our Process:
- Immediate Intervention: Once retained, we contact Lakeside Receivables directly, notifying them of our representation. Federal law prohibits them from contacting you once they know you have an attorney; calls typically stop within 48 hours.
- Violation Investigation: We analyze your case for FDCPA violations, including excessive calling, threats, third-party disclosure, time-of-day violations, workplace harassment, and false debt misrepresentation. Most clients have multiple violations worth hundreds or thousands of dollars in damages.
- Evidence Analysis: Our team reviews your call logs, voicemails, letters, and other documentation to build a comprehensive case. We identify every actionable violation and calculate total damages.
- Strategic Negotiation: We often negotiate settlements with Lakeside Receivables before filing suit. Many collectors prefer settling quickly rather than facing costly litigation and potential precedent-setting judgments.
- Aggressive Litigation: When settlement isn’t possible, we file federal lawsuits seeking statutory damages up to $1,000, actual damages for emotional distress, and full attorney fees. We have extensive trial experience when collectors refuse reasonable settlements.
- No Upfront Costs: We handle all cases on contingency, meaning you pay nothing unless we recover damages. The FDCPA requires debt collectors to pay our fees, so harassment victims never pay out-of-pocket for representation.
Our approach has successfully stopped harassment and recovered damages from agencies throughout New York and nationwide. Whether Lakeside Receivables violated your rights once or systematically harassed you for months, we hold them accountable.
Attorney Jeff Wood Leads Consumer Protection Practice
Attorney Jeff Wood founded The Wood Law Firm on a simple principle: debt collectors who break the law should pay the price, not consumers struggling with financial challenges. With over a decade of FDCPA litigation experience, Jeff has recovered hundreds of thousands of dollars in damages for clients harassed by agencies like Lakeside Receivables.
Jeff’s practice focuses exclusively on consumer protection; he doesn’t represent creditors or collectors, ever. This singular focus means he understands debt collector tactics intimately and knows how to counter them effectively. He has successfully litigated cases involving every FDCPA violation, from simple time-of-day infractions to complex schemes involving false debt validation and fraudulent court filings.
Clients appreciate Jeff’s direct communication style and commitment to transparency. He explains legal options clearly, sets realistic expectations, and keeps clients informed throughout their cases. His approach combines aggressive advocacy with genuine empathy for the stress and humiliation that debt collection harassment causes.
What Clients Say About Stopping Lakeside Receivables
“A debt collector called me 8-10 times daily for weeks, including at work where my boss threatened to fire me. The Wood Law Firm sent one letter and the calls stopped immediately. They recovered $3,400 in damages—the most I’ve ever gotten from any lawyer. Highly recommend.”
“I didn’t think I had a case because I actually owed the debt. The Wood Law Firm explained that owing money doesn’t give collectors the right to harass you. They documented multiple FDCPA violations and settled for $2,100, plus they got the debt removed from my credit report. Incredible result.”
“After three months of threatening voicemails and calls to my mother, who is above 60, I contacted this firm. They were professional, responsive, and aggressive in holding the collector accountable. The harassment stopped within day,s and we received $1,850 in settlement. Worth every minute I spent documenting those calls.”
Frequently Asked Questions About Lakeside Receivables
1. How many times can Lakeside Receivables legally call me per day?
The FDCPA doesn’t specify a number, but courts generally consider multiple daily calls harassment under 15 U.S.C. 1692d. Document every call—excessive calling supports FDCPA violation claims.
2. Can Lakeside Receivables call my workplace after I ask them to stop?
No, Lakeside Receivables must stop workplace calls once you inform them your employer prohibits personal calls or you request them to stop contacting you at work under 15 U.S.C. 1692c.
3. What should I do when Lakeside Receivables calls?
Request written validation of the debt, document the call’s date and time, avoid admitting you owe the debt, and contact The Wood Law Firm at +1 844-638-1122 to discuss legal options.
4. Can I sue Lakeside Receivables even if I owe the debt?
Yes, owing a debt doesn’t give collectors the right to violate the FDCPA. You can recover statutory damages up to $1,000 plus actual damages and attorney fees regardless of debt validity.
5. How long does Lakeside Receivables have to validate my debt?
They must stop collection efforts until they mail validation within a reasonable time after receiving your written request. Continuing collection without validation violates 15 U.S.C. 1692g.
6. Can Lakeside Receivables report the debt to credit bureaus?
Yes, but only if they properly validated it. Reporting unvalidated or inaccurate debts violates the Fair Credit Reporting Act and can result in additional damages.
7. What happens if Lakeside Receivables sues me?
You must respond to the lawsuit within the deadline specified in court papers. Failing to respond results in default judgment allowing wage garnishment and bank levies. The Wood Law Firm can defend you.
8. How do I stop Lakeside Receivables from calling permanently?
Send a cease-and-desist letter via certified mail invoking your rights under 15 U.S.C. 1692c. They can only contact you afterward to confirm cessation or notify you of lawsuits.
9. Can Lakeside Receivables garnish my wages without court approval?
No, wage garnishment requires a court judgment. Threats of immediate garnishment without filing a lawsuit violate 15 U.S.C. 1692e.
10. How does The Wood Law Firm charge for FDCPA cases?
We work on contingency with no upfront costs. The FDCPA requires losing collectors to pay our attorney fees, so clients never pay out-of-pocket for representation in successful cases.
Stop Lakeside Receivables debt collection harassment by documenting violations, sending a cease-and-desist letter, and contacting The Wood Law Firm at +1 844-638-1122. You may recover up to $1,000 in statutory damages under the Fair Debt Collection Practices Act with no upfront costs.
Who Is Lakeside Receivables LLC
Lakeside Receivables LLC is a debt collection agency based in Tonawanda, New York, specializing in purchasing delinquent accounts from creditors at discounted rates. You may be wondering, is Lakeside Receivables a legitimate company or a scam?
Lakeside Receivables is a legitimate business operating under federal debt collection regulations. However, the company’s aggressive collection model has generated significant consumer backlash.
According to the Better Business Bureau, over 100 complaints have been filed against Lakeside Receivables in the past three years. Common complaints include relentless calling campaigns, threatening language, and systematic disregard for consumer rights.
The company purchases distressed debts for pennies on the dollar, then attempts to recover the full amount plus interest and fees, a business model that incentivizes aggressive tactics.
Contact Information:
- Address: 27 Main St, Tonawanda, NY 14150
- Phone: 716-261-2899
- Other Numbers: 716-317-0500, 716-463-5084, 716-423-2022
Consumers across New York and surrounding states report receiving multiple daily calls from these numbers, often without proper debt validation or identification.
How the FDCPA Protects You from Lakeside Receivables Harassment
The Fair Debt Collection Practices Act (FDCPA) is a federal law specifically designed to stop agencies like Lakeside Receivables from using harassment, deception, and abuse during debt collection. When Lakeside Receivables purchased your debt, they also inherited all FDCPA obligations, meaning they must follow the same strict rules as the original creditor’s internal collectors.
The FDCPA creates a legal framework that limits how Lakeside Receivables can contact you, what they can say, and what actions they can threaten. Many consumers don’t realize that debt collectors operating in New York must comply with both federal FDCPA rules and additional New York state consumer protection laws, creating multiple layers of protection.
Specific FDCPA Violations by Lakeside Receivables:
Understanding what Lakeside Receivables cannot legally do helps you identify violations and build your case. Here’s what the law prohibits:
- Time-Based Contact Violations: Lakeside Receivables cannot call before 8:00 a.m. or after 9:00 p.m. in your time zone. Multiple consumers report receiving calls as early as 7:30 a.m. and as late as 10:00 p.m.—clear FDCPA violations under 15 U.S.C. 1692c.
- Workplace Harassment: Once you inform Lakeside Receivables that your employer prohibits personal calls, they must stop immediately. Continuing to call your workplace after this notification violates 15 U.S.C. 1692c and can jeopardize your employment.
- Threatening Non-Existent Legal Action: Lakeside Receivables cannot threaten lawsuits, wage garnishment, or property seizure unless they genuinely intend to take legal action and have legal authority to do so. Empty threats violate 15 U.S.C. 1692e.
- Third-Party Disclosure: Discussing your debt with family members, neighbors, or coworkers violates 15 U.S.C. 1692b. Lakeside Receivables can only discuss your debt with you, your attorney, or your spouse.
- Obscene or Abusive Language: Any use of profanity, racial slurs, or degrading language violates 15 U.S.C. 1692d. Professional communication is required—always.
- Misrepresenting Debt Amount: Inflating the debt with unauthorized fees, incorrect interest calculations, or fabricated charges violates 15 U.S.C. 1692e. You have the right to demand itemized validation showing exactly how they calculated what you allegedly owe.
If Lakeside Receivables violated any of these provisions, you can sue them for up to $1,000 in statutory damages plus actual damages, attorney fees, and court costs, even if you legitimately owe the debt.
When Lakeside Receivables Calls Cross the Line into Harassment
Lakeside Receivables crosses the line into illegal harassment when its collection tactics violate FDCPA rules or demonstrate a pattern of abusive behavior. A single late-night call might be a mistake, but repeated violations indicate systematic harassment worthy of legal action.
Red Flags That Indicate Harassment:
- Multiple calls per day from different Lakeside Receivables numbers suggest coordinated harassment rather than legitimate collection efforts. Some consumers report receiving 5-10 calls daily from various 716 area code numbers.
- Calling immediately after you’ve requested written communication only demonstrates intentional disregard for your rights. The FDCPA gives you absolute control over communication methods once you make your preference clear.
- Refusing to provide debt validation when requested violates the FDCPA’s verification requirements. Lakeside Receivables must send written validation within five days of initial contact, including the creditor’s name, amount owed, and your right to dispute.
- Using caller ID spoofing or blocked numbers to disguise their identity violates both the FDCPA and Federal Communications Commission regulations. Debt collectors must clearly identify themselves on every call.
- Leaving detailed debt information in voicemails that others might hear violates third-party disclosure rules, especially if you share a phone line or voicemail system with family members.
Similar aggressive tactics have been reported against Comenity Bank debt collectors, who also face numerous consumer complaints about harassment.
How to Demand Debt Validation from Lakeside Receivables
Demand debt validation from Lakeside Receivables by sending a written request within 30 days of their first contact. This legal right under FDCPA 15 U.S.C. 1692g forces them to prove the debt is legitimate before continuing collection efforts.
What Your Validation Letter Should Include:
- Your full name and the address where Lakeside Receivables contacted you establish your identity and jurisdiction for any legal action.
- The account number Lakeside Receivables referenced in their communications helps identify the specific debt and prevents them from switching to a different account.
- A clear demand for written proof of the debt, including the original creditor’s name, original account number, original debt amount, and complete payment history showing how the current balance was calculated.
- A statement that you dispute the debt and require validation before any further contact or credit reporting occurs protects your rights under the FDCPA.
- A request for verification that Lakeside Receivables is licensed to collect debts in New York ensures they’re operating legally in your state.
- Send this letter via certified mail with a return receipt requested. Once Lakeside Receivables receives it, they must stop all collection activity until they provide adequate validation. Continuing to call, send letters, or report to credit bureaus during this validation period violates the FDCPA.
Many consumers successfully challenge debts during validation. Lakeside Receivables purchases debts in bulk with limited documentation. If they cannot validate the debt’s legitimacy, amount, or their legal authority to collect, they must cease collection efforts entirely.
Steps to Stop Lakeside Receivables Calls Permanently
Stop Lakeside Receivables calls permanently by asserting your right to cease communication under FDCPA 15 U.S.C. 1692c. This nuclear option ends all contact except for specific legally required notifications.
How to Execute a Cease-and-Desist:
- Draft a brief letter stating: “I am invoking my right under 15 U.S.C. 1692c to request that Lakeside Receivables LLC cease all communication with me regarding the alleged debt referenced in your communications.”
- Include your name, the address where they’ve been contacting you, and any account or reference numbers they’ve provided in previous communications.
- Send via certified mail with return receipt requested to: Lakeside Receivables LLC, 27 Main St, Tonawanda, NY 14150.
- Keep copies of everything—the letter, certified mail receipt, and the return receipt when it arrives.
- Document any calls or letters received after they receive your cease-and-desist letter, as each violation can result in additional statutory damages.
After receiving your cease-and-desist letter, Lakeside Receivables can only contact you to confirm they’re stopping communication or to notify you they’re filing a lawsuit. Any other contact violates federal law.
Be aware that ceasing communication doesn’t eliminate the debt. Lakeside Receivables may still sue you if the debt is within New York’s six-year statute of limitations. However, stopping the harassment often motivates collectors to sell the debt to another agency rather than pursue costly litigation.
The Wood Law Firm has helped numerous clients stop harassment from Spire Recovery Solutions and other aggressive agencies using cease-and-desist letters combined with FDCPA violation claims.
What Evidence Proves Lakeside Receivables Violated Your Rights
Evidence that proves Lakeside Receivables violated your rights includes detailed call logs, recorded conversations where legally permitted, voicemails containing threats or abusive language, and written communications showing false statements or unauthorized charges.
Building Your Case Against Lakeside Receivables:
Phone records from your carrier showing call frequency, dates, and times demonstrate patterns of excessive calling or calls outside legal hours. Request itemized call logs going back to the first Lakeside Receivables contact.
Voicemail recordings where Lakeside Receivables disclosed debt details, used threatening language, or failed to properly identify themselves provide direct evidence of violations. Save these in their original format; don’t just write down what they said.
Text messages or emails from Lakeside Receivables that contain false information, unauthorized fee additions, or threats of illegal action serve as written proof admissible in court.
Witness statements from family members, coworkers, or roommates who heard abusive language or received third-party disclosures strengthen your case beyond your testimony alone.
Credit reports showing Lakeside Receivables reported the debt without proper validation or with incorrect information demonstrate violations of both the FDCPA and the Fair Credit Reporting Act.
Certified mail receipts proving you sent validation requests or cease-and-desist letters establish timelines and show you properly exercised your legal rights.
The Wood Law Firm has successfully prosecuted cases against agencies like Collection Attorneys USA using similar evidence to secure damages for harassed consumers.
Where to Report Lakeside Receivables FDCPA Violations
Report Lakeside Receivables FDCPA violations to multiple agencies simultaneously to maximize accountability and create official records supporting potential legal action.
- Consumer Financial Protection Bureau (CFPB): File online at consumerfinance.gov or call 855-411-2372. The CFPB tracks complaint patterns and can initiate federal enforcement actions against repeat violators. Include specific dates, times, and descriptions of violations.
- New York Attorney General’s Consumer Frauds Bureau: New York maintains aggressive consumer protection enforcement. File complaints at ag.ny.gov or call 800-771-7755. The AG’s office has successfully prosecuted debt collectors for state law violations beyond federal FDCPA protections.
- Federal Trade Commission (FTC): Report at reportfraud.ftc.gov. While the FTC doesn’t resolve individual complaints, they use reports to identify patterns justifying investigation and enforcement actions.
- Better Business Bureau: File at bbb.org. BBB complaints create public records that other consumers can review when deciding whether to deal with Lakeside Receivables, and companies sometimes respond to BBB complaints to avoid reputation damage.
These complaints create official documentation of Lakeside Receivables’ illegal conduct. If you later sue them for FDCPA violations, these reports corroborate your claims and demonstrate you took reasonable steps to stop the harassment through proper channels.
However, filing complaints alone rarely stops aggressive collectors. Legal representation that threatens or initiates litigation typically produces faster results. Contact The Wood Law Firm at +1 844-638-1122 to discuss legal action.
How The Wood Law Firm Stops Lakeside Receivables Harassment
The Wood Law Firm stops Lakeside Receivables harassment by immediately intervening on your behalf, investigating FDCPA violations, and pursuing maximum compensation for illegal collection tactics.
Since 2010, we have specialized exclusively in consumer protection against debt collector abuse, maintaining an A+ Better Business Bureau rating while recovering damages for hundreds of harassment victims.
Our Process:
- Immediate Intervention: Once retained, we contact Lakeside Receivables directly, notifying them of our representation. Federal law prohibits them from contacting you once they know you have an attorney; calls typically stop within 48 hours.
- Violation Investigation: We analyze your case for FDCPA violations, including excessive calling, threats, third-party disclosure, time-of-day violations, workplace harassment, and false debt misrepresentation. Most clients have multiple violations worth hundreds or thousands of dollars in damages.
- Evidence Analysis: Our team reviews your call logs, voicemails, letters, and other documentation to build a comprehensive case. We identify every actionable violation and calculate total damages.
- Strategic Negotiation: We often negotiate settlements with Lakeside Receivables before filing suit. Many collectors prefer settling quickly rather than facing costly litigation and potential precedent-setting judgments.
- Aggressive Litigation: When settlement isn’t possible, we file federal lawsuits seeking statutory damages up to $1,000, actual damages for emotional distress, and full attorney fees. We have extensive trial experience when collectors refuse reasonable settlements.
- No Upfront Costs: We handle all cases on contingency, meaning you pay nothing unless we recover damages. The FDCPA requires debt collectors to pay our fees, so harassment victims never pay out-of-pocket for representation.
Our approach has successfully stopped harassment and recovered damages from agencies throughout New York and nationwide. Whether Lakeside Receivables violated your rights once or systematically harassed you for months, we hold them accountable.
Attorney Jeff Wood Leads Consumer Protection Practice
Attorney Jeff Wood founded The Wood Law Firm on a simple principle: debt collectors who break the law should pay the price, not consumers struggling with financial challenges. With over a decade of FDCPA litigation experience, Jeff has recovered hundreds of thousands of dollars in damages for clients harassed by agencies like Lakeside Receivables.
Jeff’s practice focuses exclusively on consumer protection; he doesn’t represent creditors or collectors, ever. This singular focus means he understands debt collector tactics intimately and knows how to counter them effectively. He has successfully litigated cases involving every FDCPA violation, from simple time-of-day infractions to complex schemes involving false debt validation and fraudulent court filings.
Clients appreciate Jeff’s direct communication style and commitment to transparency. He explains legal options clearly, sets realistic expectations, and keeps clients informed throughout their cases. His approach combines aggressive advocacy with genuine empathy for the stress and humiliation that debt collection harassment causes.
What Clients Say About Stopping Lakeside Receivables
“A debt collector called me 8-10 times daily for weeks, including at work where my boss threatened to fire me. The Wood Law Firm sent one letter and the calls stopped immediately. They recovered $3,400 in damages—the most I’ve ever gotten from any lawyer. Highly recommend.”
“I didn’t think I had a case because I actually owed the debt. The Wood Law Firm explained that owing money doesn’t give collectors the right to harass you. They documented multiple FDCPA violations and settled for $2,100, plus they got the debt removed from my credit report. Incredible result.”
“After three months of threatening voicemails and calls to my mother, who is above 60, I contacted this firm. They were professional, responsive, and aggressive in holding the collector accountable. The harassment stopped within day,s and we received $1,850 in settlement. Worth every minute I spent documenting those calls.”
Frequently Asked Questions About Lakeside Receivables
1. How many times can Lakeside Receivables legally call me per day?
The FDCPA doesn’t specify a number, but courts generally consider multiple daily calls harassment under 15 U.S.C. 1692d. Document every call—excessive calling supports FDCPA violation claims.
2. Can Lakeside Receivables call my workplace after I ask them to stop?
No, Lakeside Receivables must stop workplace calls once you inform them your employer prohibits personal calls or you request them to stop contacting you at work under 15 U.S.C. 1692c.
3. What should I do when Lakeside Receivables calls?
Request written validation of the debt, document the call’s date and time, avoid admitting you owe the debt, and contact The Wood Law Firm at +1 844-638-1122 to discuss legal options.
4. Can I sue Lakeside Receivables even if I owe the debt?
Yes, owing a debt doesn’t give collectors the right to violate the FDCPA. You can recover statutory damages up to $1,000 plus actual damages and attorney fees regardless of debt validity.
5. How long does Lakeside Receivables have to validate my debt?
They must stop collection efforts until they mail validation within a reasonable time after receiving your written request. Continuing collection without validation violates 15 U.S.C. 1692g.
6. Can Lakeside Receivables report the debt to credit bureaus?
Yes, but only if they properly validated it. Reporting unvalidated or inaccurate debts violates the Fair Credit Reporting Act and can result in additional damages.
7. What happens if Lakeside Receivables sues me?
You must respond to the lawsuit within the deadline specified in court papers. Failing to respond results in default judgment allowing wage garnishment and bank levies. The Wood Law Firm can defend you.
8. How do I stop Lakeside Receivables from calling permanently?
Send a cease-and-desist letter via certified mail invoking your rights under 15 U.S.C. 1692c. They can only contact you afterward to confirm cessation or notify you of lawsuits.
9. Can Lakeside Receivables garnish my wages without court approval?
No, wage garnishment requires a court judgment. Threats of immediate garnishment without filing a lawsuit violate 15 U.S.C. 1692e.
10. How does The Wood Law Firm charge for FDCPA cases?
We work on contingency with no upfront costs. The FDCPA requires losing collectors to pay our attorney fees, so clients never pay out-of-pocket for representation in successful cases.
