Are you receiving constant call from Cawley & Bergmann? Do they call several times a day, even at odd hours? Have they threatened to take legal action, garnish your wages, or inform your family and neighbors about your debt? If these behaviors sound familiar, it’s time to take action. These aggressive tactics are unlawful and you have a right to put an end to them. Under the Fair Debt Collection Practices Act (FDCPA), you can end Cawley & Bergmann’s phone harassment and seek up to $1,000 in statutory damages. The Wood Law Firm can help you assert your rights and end this harassment.
Is Cawley & Bergmann a Scam?
Cawley & Bergmann (CB) is a legitimate third-party debt collection agency operating out of New Jersey. According to the Better Business Bureau, it has been in business since 2010. However, just because it is legitimate doesn’t mean its practices are always legal. Many complaints have been filed against this agency, alleging harassment and violations of the FDCPA. CB has closed 19 complaints in the last three years, with nine closed in the past 12 months alone.
Who Are Cawley & Bergmann?
Cawley & Bergmann, a third-party debt collector, is based in River Edge, New Jersey.
Address:
117 Kinderkamack Rd, Ste 201
River Edge, NJ 07661-1916
Phone:
(888) 990-8100
Also read: Collection Agency Harassment
Recognizing Cawley & Bergmann Phone Harassment
Debt collection harassment comes in various forms, intending to intimidate, pressure, or unfairly force debtors to pay. If Cawley & Bergmann engages in any of the following behaviors, they are likely violating your rights under the FDCPA:
- Repeated and Unwanted Calls: Receiving multiple daily calls, especially outside regular hours, is harassment.
- Threats and Intimidation: If a debt collector threatens violence or legal action they cannot take, it’s a clear breach of the law.
- Profane or Abusive Language: The FDCPA prohibits debt collectors from using vulgar or threatening language.
- Workplace Contact: Debt collectors can only call you if your employer permits.
- Continued Contact After Requests to Stop: Once you have asked a debt collector to cease contact, they must comply, only contacting you to provide updates on specific legal actions.
- Misrepresentation of Debt: lying about the amount you owe is prohibited.
- False Representation: Pretending to be a law enforcement officer or attorney is illegal.
Also read: Swift Funds Financial Debt Collection Harassment
The Impact of Harassment on Your Credit Score and Financial Well-being
Harassment from debt collectors like Cawley & Bergmann can severely affect your credit score and overall financial health. Persistent and aggressive collection tactics can lead to significant stress, affecting not only your mental well-being but also your financial stability.
When debt collectors engage in harassment, such as making repeated phone calls or threatening legal action, it can prompt you to miss payments or default on loans, resulting in negative marks on your credit report and decreasing your credit score. A lower credit score often leads to higher interest rates on loans and credit cards, making it even more challenging to manage your finances.
Additionally, the stress caused by harassment can lead to poor financial decisions. For example, you might take out high-interest loans to pay off debts quickly or deplete your savings to avoid further harassment. These actions can have long-term financial consequences, affecting your ability to save for future goals or invest wisely.
To mitigate these effects, it’s crucial to address harassment promptly. Consider consulting with a financial advisor or credit counselor to understand how to manage your credit and reduce stress. Legal representation, such as from The Wood Law Firm, can also help you take action against unfair practices and work towards repairing your credit.
How to Choose the Right Legal Representation for Debt Collection Cases
Selecting the right legal representation is crucial when dealing with debt collection harassment. A knowledgeable attorney can make a significant difference in the outcome of your case and ensure that your rights are protected under the Fair Debt Collection Practices Act (FDCPA).
When choosing a lawyer or legal firm, look for experience in handling debt collection cases specifically. A firm like The Wood Law Firm, which specializes in consumer protection and has a proven track record, can offer expertise and a strategic approach to your case. During consultations, ask about their experience with similar cases, their success rate, and their approach to handling harassment claims.
It’s also important to consider the lawyer’s communication style and willingness to explain complex legal concepts in a way you understand. Your attorney should be responsive to your questions and provide clear, actionable advice throughout the process.
Additionally, review testimonials and success stories from past clients. Positive feedback and case results can provide insight into the lawyer’s ability to handle cases and secure favorable outcomes effectively. Choosing the right legal representation can provide the support and expertise needed to address harassment effectively and protect your financial well-being.
Also read: Travelers Management Group Debt Collection Harassment
Cawley & Bergmann Phone Harassment: Known Numbers
Have you received any of these phone numbers on your caller ID?
888-990-8100, 855-650-0323, 888-523-0856
If so, you could be a victim of Cawley & Bergmann phone harassment. The company may use other numbers which are commonly associated with CB. If these calls sound familiar, take action. Contact The Wood Law Firm, and we’ll help you end the harassment. No one should have to live with constant, unlawful collection calls.
Common Questions About Cawley & Bergmann
Is Cawley & Bergmann a scam?
No, CB is a legitimate debt collection agency.
Can Cawley & Bergmann garnish my wages?
Yes, if they’ve obtained a court judgment or your debt involves federal student loans.
Can CB sue me?
Yes, as long as your debt is still within the statute of limitations.
Can CB report my debt to credit bureaus?
Yes, collection agencies are allowed to report unpaid debts.
Can CB have me arrested?
Debt collectors cannot arrest you. However, failure to comply with a court order could result in a warrant, depending on your state’s laws.
Cawley & Bergmann Phone Harassment: Legal Actions Filed
Several lawsuits have been filed against Cawley & Bergmann for unlawful practices. Some examples include:
- 3:12-cv-04202-MEJ White v. Cawley & Bergmann, LLP
- 2:11-cv-01467-JP Erickson v. Cawley & Bergmann, LLP
- 2:11-cv-02006-NVW Buvala v. Cawley & Bergmann LLP et al
- 3:12-cv-08107-JAT Gilbert et al. v. Cawley & Bergmann LLP et al
- 2:13-cv-00333-NVW Abbott v. Cawley & Bergmann LLP
What You Can Do About Cawley & Bergmann Phone Harassment
If you believe you are being harassed by Cawley & Bergmann, follow these steps to protect yourself:
- Keep Records of Communication:
Maintain detailed notes of every interaction with Cawley & Bergmann. Track the dates, times, and content of each phone call or message. Documenting this information is crucial if you need to take legal action later. - Send a Cease-and-Desist Letter:
If you want CB to stop contacting you, send a cease-and-desist letter. Once the agency receives this letter, they must stop contacting you, except under limited circumstances. - Dispute the Debt in Writing:
If you don’t believe the debt is valid or need more information, submit a written dispute within 30 days of receiving the debt validation notice. The collector must verify the debt before pursuing collection efforts again. - File a Complaint:
If Cawley & Bergmann violates your rights under the FDCPA, file a complaint with agencies such as the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general. - Seek Legal Help from The Wood Law Firm:
When the harassment persists or if your rights have been violated, contacting an attorney specializing in debt collection harassment is a wise choice. The Wood Law Firm can guide you through the legal process and ensure your rights are upheld.
Also read: Global Recovery Solutions Debt Collection Harassment
The Emotional and Psychological Impact of Cawley & Bergmann Phone Harassment
It’s not just your rights that are under attack when you experience Cawley & Bergmann phone harassment; your emotional and psychological well-being can also take a hit. Debt collection harassment often leads to stress, anxiety, and depression. These aggressive tactics may overwhelm individuals, especially when calls are excessive or threatening.
Research shows that debt collection harassment can severely affect one’s mental health. Continuous calls can disrupt daily life, interfere with work performance, and cause strained relationships. Emotional well-being takes a toll as individuals become anxious every time the phone rings, unsure of when or how the harassment will stop. The fear of losing one’s reputation, especially when debt collectors contact friends, family, or employers, can amplify this stress.
Being aware of the psychological effects of harassment is vital. If you’re dealing with this, reaching out for help, not just legally but also emotionally, is crucial. By addressing both legal and emotional issues, you’ll regain control of your mental well-being and your financial situation.
Also read: National Debt Collection Harassment
Success Stories: Real Clients, Real Results
At The Wood Law Firm, we have helped countless individuals stop Cawley & Bergmann phone harassment and regain peace of mind. Here’s what our clients are saying:
“The Wood Law Firm was a lifesaver. After enduring months of harassment, I finally contacted them, and within weeks, the calls stopped. I highly recommend their services.”
“The staff at The Wood Law Firm was courteous and helpful throughout the entire process. They handled my case professionally, and I was compensated for the harassment I endured. Thank you for standing by me!”
About The Wood Law Firm
The Wood Law Firm specializes in defending clients against illegal harassment from debt collectors, including Cawley & Bergmann phone harassment. Don’t let these collection agencies make your life more difficult. Contact us today at +1 844-638-1122 for immediate help and end this harassment. With over a decade of experience, we’ve built a strong track record of success and an A+ rating with the Better Business Bureau.
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