Debt collection harassment affects thousands of people across the United States every year. Peter Roberts and Associates is one of the collection agencies that collects third-party debt across the USA, often crossing legal boundaries to recover debts.
If you face constant calls, threats, or false claims from Peter Roberts and Associates, you don’t have to face it alone. Keeping silent about debt collection harassment can lead to severe emotional distress and financial anxiety.
You have legal options to stop the harassment and protect your rights. The Wood Law Firm specializes in assisting consumers facing illegal debt collection practices. Call us at +1 844-638-1122 for a free consultation.
What Is Peter Roberts and Associates
Peter Roberts and Associates is a third-party debt collection company based in Milford, Massachusetts. They operate under several aliases, making it difficult to identify them sometimes.
Company Details:
- Business Name: Peter Roberts & Associates, Inc.
- Address: 231 Main Street, Suite 201, Milford, MA 01757
- Phone Number: (508) 473-6661
Alternate Names:
- Roberts & Associates
- Peter Roberts & Assoc Inc
- Jennings Roberts and Associates
This company collects debts on behalf of other businesses, often in healthcare, telecommunications, and retail industries. Understanding who you’re dealing with is the first step in protecting your rights.
Is Peter Roberts and Associates Legit or a Scam
Many wonder if Peter Roberts and Associates is a legitimate company or a scam. While the company operates legally, alleged aggressive tactics have led to numerous complaints and lawsuits.
The company is registered and licensed to collect debts. However, complaints suggest they may use harassment techniques that violate federal and state laws designed to protect consumers.
If you’ve experienced harassment from Peter Roberts and Associates, The Wood Law Firm can help you determine if they violated your rights and take appropriate legal action.
Common Peter Roberts and Associates Harassment Tactics
Debt collection agencies often use persistent tactics to collect payments. However, some companies, like Peter Roberts and Associates, go beyond what is legally acceptable.
Peter Roberts and Associates may use harassing techniques to intimidate you into paying, even if you dispute the debt or cannot pay. Collection methods may include:
- Repeated phone calls throughout the day
- Threatening you with legal action or arrest
- Contacting you at inconvenient times, such as late at night or early in the morning
- Using profane or abusive language
- Calling your workplace or contacting family members
- Misrepresenting the amount owed or the identity of the original creditor
These tactics are unethical and may violate the Fair Debt Collection Practices Act. The Wood Law Firm can help you stop these practices at +1 844-638-1122.
Your Rights Under the FDCPA Against Peter Roberts and Associates
The FDCPA is a powerful federal law designed to shield consumers from abusive, deceptive, and unfair debt collection practices. Enacted in 1977, the FDCPA holds debt collection agencies accountable and ensures they treat individuals fairly during the debt collection process.
If you’re dealing with aggressive debt collectors from Peter Roberts and Associates, understanding the FDCPA’s protections can empower you to assert your rights and take control of the situation.
Limited Contact Hours
Debt collectors must respect your privacy and personal time. The FDCPA prohibits them from contacting you during inconvenient hours:
- They cannot call you before 8:00 a.m.
- They cannot contact you after 9:00 p.m. unless you have explicitly agreed to it
This rule helps you avoid unwanted disturbances during early mornings or late nights.
No Harassment or Abuse Allowed
The FDCPA strictly forbids debt collectors from engaging in harassment or abusive behavior, including:
- Using threats of violence or harm
- Insulting, belittling, or verbally abusing you
- Repeatedly calling you to annoy, harass, or intimidate you
If Peter Roberts and Associates employ these tactics, they are violating federal law, and you can take action with The Wood Law Firm.
Truthful and Transparent Communication Required
Debt collectors must provide accurate and truthful information about the debt they are attempting to collect. Under the FDCPA, they must:
- Identify themselves and state that they are calling to collect a debt
- Provide accurate information about the amount you owe
- Disclose the original creditor if you request it
- Refrain from making false claims about their intentions, such as threatening legal action they cannot take
This transparency ensures that you fully understand the debt and can verify its legitimacy.
No Third Party Disclosure
Your financial matters are private, and the FDCPA protects that privacy by prohibiting debt collectors from sharing information about your debt with unauthorized parties. They cannot:
- Discuss your debt with friends, neighbors, or coworkers
- Contact your employer to disclose the debt
- Share details with family members, except for your spouse
Collectors may only speak to your attorney if you have legal representation. This provision prevents embarrassment and protects your reputation.
Right to Request Cease Communication
You can request that a debt collector stop contacting you entirely. Once you submit a written request for them to cease communication, they must comply. The only exceptions are:
- To inform you of their intent to take specific legal action
- To confirm that they will no longer contact you
This gives you control over unwanted communication and allows you to focus on resolving the debt without constant harassment.
Right to Request Debt Validation
If you need clarification about the legitimacy of the debt, the FDCPA grants you the right to request a debt validation letter. This letter must include:
- The amount of the debt
- The name of the original creditor
- A statement informing you of your right to dispute the debt within 30 days
If the collector fails to provide this validation, they cannot continue collection efforts. The Wood Law Firm can help you request proper validation.
Steps to Stop Peter Roberts and Associates From Calling You
If you’re facing harassment, taking immediate action can protect your rights and stop the abusive behavior. Here’s what you can do:
Document Every Call and Message
Keep a detailed record of every interaction with Peter Roberts and Associates:
- Note the date, time, and phone number of each call or message
- Record the content of conversations, including any threats or abusive language
- Save voicemails and written correspondence
This documentation can serve as evidence if you decide to take legal action with The Wood Law Firm.
Send a Cease and Desist Letter
Under the FDCPA, you can request that a debt collector stop contacting you. A cease and desist letter can effectively halt Peter Roberts and Associates’ communication.
The Wood Law Firm can help you draft this letter properly to ensure it’s legally enforceable. Contact us at +1 844-638-1122.
Dispute the Debt in Writing
If you believe the debt is incorrect or don’t recognize it, you can dispute it. A written dispute letter should be sent to Peter Roberts and Associates within 30 days of their initial contact. They must verify the debt before continuing collection efforts.
The Wood Law Firm can help you dispute invalid debts and ensure proper verification.
Get Legal Help from Consumer Protection Attorneys
The Wood Law Firm specializes in handling debt collection harassment cases. Our experienced attorneys can help you stop the harassment, dispute the debt, and seek compensation for any rights violations.
Call us today at +1 844-638-1122 for a free consultation.
Suing Peter Roberts and Associates for FDCPA Violations
Several consumers have taken legal action against Peter Roberts and Associates for violating the FDCPA and other consumer protection laws.
Notable Lawsuits:
- Sears v. Peter Roberts & Associates, Inc.
- Obleanis v. Peter Roberts & Associates, Inc.
These cases demonstrate that consumers can fight against unlawful debt collection practices and win. The Wood Law Firm can help you file a lawsuit if Peter Roberts and Associates violated your rights.
You may be entitled to:
- Up to $1,000 in statutory damages per violation
- Actual damages for emotional distress
- Attorney fees and court costs
Contact The Wood Law Firm to evaluate your case and pursue compensation.
People Who Stopped Harassment from Peter Roberts and Associates
“I was overwhelmed by constant calls from Peter Roberts and Associates. The Wood Law Firm stopped the harassment immediately and secured $1,000 in compensation for me. They were professional and compassionate throughout the process.”
“Peter Roberts and Associates called me at work repeatedly, threatening to have me arrested. The Wood Law Firm documented the FDCPA violations, filed a lawsuit, and I received compensation for the emotional distress. The calls stopped immediately.”
Why Choose The Wood Law Firm for Peter Roberts and Associates Cases
The Wood Law Firm protects consumers from predatory practices and ensures fair treatment under federal law. We specialize in cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA).
For over a decade, we have fought tirelessly to hold companies accountable and secure justice for our clients. We understand the stress and frustration that come with facing unfair consumer practices, and we stand by your side every step of the way.
The Wood Law Firm has cultivated strong Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia.
Meet Attorney Jeff Wood
Jeff Wood is an accomplished attorney based in Arkansas, where he is fully licensed to practice law. With over 15 years of experience, Mr. Wood specializes in consumer protection, focusing on cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA).
Stop Peter Roberts and Associates Harassment Today
No one should have to endure the stress and anxiety caused by Peter Roberts and Associates debt collection harassment. You have rights, and you have options.
The Wood Law Firm is here to help you take control of the situation and protect your financial and emotional well-being. Call us today at +1 844-638-1122 to stop the calls and pursue compensation for violations of your rights.
Frequently Asked Questions
1. Can Peter Roberts and Associates call me at work
Peter Roberts and Associates cannot call you at work if you tell them in writing that your employer prohibits such calls. Under the FDCPA, they must stop calling your workplace once you request it. If they continue, contact The Wood Law Firm at +1 844-638-1122.
2. How many times can Peter Roberts and Associates call me per day
While there’s no specific federal limit, excessive calls can constitute harassment under the FDCPA. If Peter Roberts and Associates calls you multiple times daily, document every call and contact The Wood Law Firm to take action.
3. What should I do if Peter Roberts and Associates threatens to sue me
Document the threats, request debt validation in writing, and contact The Wood Law Firm immediately for legal guidance. We can help you verify the debt, negotiate a settlement, or defend you in court if necessary.
4. Can Peter Roberts and Associates garnish my wages without suing me
No, Peter Roberts and Associates can only garnish your wages after suing you and obtaining a court judgment. If they threaten wage garnishment without legal action, this may constitute harassment under the FDCPA.
5. How do I verify if my Peter Roberts and Associates debt is real
Send a written debt validation request within 30 days of their first contact. They must prove the debt’s legitimacy. The Wood Law Firm can help you through this process and dispute fraudulent debts.
6. What compensation can I get if Peter Roberts and Associates harassed me
You may receive up to $1,000 in statutory damages, plus actual damages for emotional distress and legal fees if Peter Roberts and Associates violated the FDCPA. Contact The Wood Law Firm to evaluate your case.
7. Will Peter Roberts and Associates ruin my credit if I don’t pay
Peter Roberts and Associates can report unpaid debts to credit bureaus, which may impact your credit score. However, if you believe the debt is inaccurate or they’re harassing you, The Wood Law Firm can help you dispute it.
8. Can I sue Peter Roberts and Associates for harassment
Yes, if Peter Roberts and Associates violated the FDCPA through harassment or illegal practices, you can sue them. The Wood Law Firm can help you file a lawsuit and recover compensation at +1 844-638-1122.
9. What happens if I ignore calls from Peter Roberts and Associates
Ignoring calls won’t make them stop and may lead to a lawsuit. Instead, send a cease and desist letter and contact The Wood Law Firm to handle the situation properly and protect your rights.
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