The phone rings again. Collection Company of America is calling for the third time today. They’ve left voicemails threatening legal action, contacted you at work despite your objections, and spoken to your family members about your personal finances. If you’re experiencing Collection Company of America phone harassment, you need to understand something critical: federal law protects you from these tactics.
Call The Wood Law LLC at +1 844-638-1122 for immediate assistance. Their experienced team will guide you through stopping harassment, validating debts, and pursuing compensation for potential violations.
Understanding the Collection Company of America Debt Collection
Collection Company of America operates as a third-party debt collector. They purchase debt portfolios from original creditors or get hired to collect accounts that others couldn’t recover. When the Collection Company of America debt collection enters your life, it typically means your account has been labeled as “charged off” or “uncollectable.”
Their business model creates inherent conflicts. They buy debts for pennies on the dollar—sometimes as little as 3 to 7 cents per dollar of debt. This means nearly every dollar they collect becomes profit, creating financial pressure that may lead to aggressive tactics that potentially cross legal boundaries.
Common situations involving Collection Company of America:
- Medical bills from hospitals or clinics
- Old credit card accounts sold by banks
- Utility bills from previous addresses
- Retail store credit accounts
- Personal loans or lines of credit
Many consumers report that documentation is often incomplete or inaccurate by the time Collection Company of America gets involved. Account information may be wrong, amounts inflated with questionable fees, or the debt might not even belong to you. If you believe you’re harassed by Collection Company of America, these documentation issues can work in your favor legally.
When Collection Becomes Illegal Harassment
Federal law draws clear lines between legitimate collection efforts and harassment. Recognizing these violations is your first step toward taking action.
Time Violations
Calls before 8 AM or after 9 PM in your time zone may violate the Fair Debt Collection Practices Act. No valid exceptions exist—not busy schedules, not different time zones, nothing.
Excessive Call Volume
Receiving 8, 12, or 20 calls per day from the Collection Company of America phone harassment campaigns may constitute violations. Courts consistently find that calling repeatedly with apparent intent to annoy violates federal law.
Workplace Harassment
They can call your workplace once to find you, but if you tell them your employer doesn’t allow personal calls or it’s inconvenient, they must stop immediately. Continuing after that may be harassment.
Threats and False Claims
Collection Company of America cannot:
- Threaten arrest or criminal prosecution (consumer debt is civil)
- Claim immediate wage garnishment without a court judgment
- Threaten property seizure without a proper legal process
- Falsely imply they’re attorneys, law enforcement, or government officials
- Threatening lawsuits they don’t intend to file
Privacy Violations
With very limited exceptions, they cannot discuss your debt with:
- Family members or household members
- Neighbors or friends
- Coworkers or supervisors
- Anyone except you, your attorney, or the credit reporting agencies
Ignoring Cease Demands
Once you send a written cease and desist letter via certified mail, they can only contact you to:
- Confirm receipt
- Notify you of specific legal action
Any other contact may be an automatic violation.
These behaviors may give you grounds to sue Collection Company of America for harassment.
Federal Laws That Protect You
Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act is your primary shield against abusive collection tactics. This federal law applies specifically to third-party collectors like Collection Company of America.
FDCPA protections include:
- Restrictions on when collectors can contact you
- Prohibitions against abusive, harassing, or oppressive conduct
- Requirements for honest, truthful representations
- Limitations on third-party contact
- Your right to demand they stop contacting you
If Collection Company of America violates the FDCPA, you may recover:
- Up to $1,000 in statutory damages without proving harm
- Additional compensation for emotional distress, lost wages, and medical expenses
- Attorney fees and costs paid by the collector—not you
The Consumer Financial Protection Bureau enforces the FDCPA and provides resources for understanding your rights.
Telephone Consumer Protection Act (TCPA)
The Telephone Consumer Protection Act regulates automated calling systems. If Collection Company of America uses autodialers or robocalls to contact your cell phone without your written consent, they may violate federal law.
TCPA violations cost collectors:
- $500 to $1,500 per illegal call
- Damages multiply with each violation
- Some consumers recover tens of thousands
The Federal Communications Commission oversees TCPA enforcement and can take action against repeat violators.
Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act ensures credit reporting accuracy. When Collection Company of America reports false information to credit bureaus—wrong amounts, debts that aren’t yours, incorrect account status—they may violate this law.
FCRA violations include:
- Reporting debts to the wrong consumer
- Failing to investigate disputes properly
- Continuing to report inaccurate information
- Reporting incorrect amounts
Credit damage affects loan approvals, rental applications, insurance rates, and employment opportunities. The FCRA gives you legal recourse for these consequences.
How to Stop Collection Company of America Debt Collection Calls
Ready to fight back? Follow these strategic steps to stop the Collection Company of America’s debt collection harassment.
Step 1: Document Every Single Contact
Evidence is everything. Start creating a detailed record immediately.
Track these details:
- Exact date and time of each call
- Phone numbers they use (they may call from multiple numbers)
- Representative names if provided
- What was said (especially threats or false statements)
- Your emotional response (anxiety, distress, fear)
Save all evidence:
- Voicemails (back up to email or cloud)
- Text messages (screenshot with timestamps)
- Physical letters and envelopes (postmarks matter)
- Third-party contact information
- Workplace call records
This documentation becomes crucial for legal action to stop debt harassment from the Collection Company of America.
Step 2: Demand Debt Validation
You have the legal right to force the Collection Company of America to prove you owe the debt. Most consumers don’t know about this powerful protection.
Send a validation letter via certified mail demanding:
- Original creditor’s name and address
- Original account number
- Original debt amount
- Current amount claimed
- Itemized fee breakdown
- Proof you’re responsible
- Copy of original agreement
- Proof they own or can collect this debt
- Verify it’s within your state’s statute of limitations
They must stop collecting until they provide proper validation. Many collectors struggle with this requirement, especially for older debts.
Step 3: Send a Cease and Desist Letter
The FDCPA gives you absolute authority to stop contact.
Your letter should state:
“Under 15 U.S.C. § 1692c(c), I direct Collection Company of America to cease all communication regarding account [number]. This includes phone calls, texts, emails, and letters. Future communication must be limited to: (1) confirming receipt; or (2) notifying me of specific legal action.”
Important:
- Send via certified mail with return receipt
- Keep copies of everything
- Document mailing date and tracking
- Save delivery confirmation
After receipt, any other contact may be an automatic violation.
Step 4: File a Complaint Against Collection Company of America
Create official records with multiple agencies.
Consumer Financial Protection Bureau (CFPB)
Report Collection Company of America to CFPB at www.consumerfinance.gov/complaint. Include specific dates, times, names, and how harassment affected your life.
Federal Trade Commission (FTC)
File at reportfraud.ftc.gov. The FTC tracks patterns and brings enforcement actions.
State Attorney General
Contact your state’s consumer protection office. Some states have stronger protections than federal law.
Better Business Bureau
File a complaint against Collection Company of America to create public records.
National Association of Attorneys General
Visit www.naag.org to find your state’s Attorney General contact information.
These complaints create valuable documentation but typically don’t result in direct compensation. For that, you need legal action.
Step 5: Get Legal Help Against the Collection Company of America Harassment
This is the most effective step. Consumer protection attorneys know exactly how to handle these cases.
The Wood Law LLC specializes in stopping debt collection harassment. Their focus on consumer rights provides deep FDCPA, TCPA, and FCRA expertise.
Benefits of legal representation:
Harassment often stops within 48-72 hours. Once they receive an attorney letter, most collectors significantly reduce or eliminate contact.
Attorneys spot violations you’d miss. What seems like aggressive collection might be multiple federal violations.
You never talk to them again. Your attorney handles all communication while you resume normal life.
Zero upfront costs. Contingency means you pay nothing unless they win. The Collection Company of America typically pays your attorney fees separately.
Maximum compensation. Experienced attorneys identify every violation and pursue all available claims.
Learn about their proven approach and what makes them different.
Call The Wood Law LLC at +1 844-638-1122 for a free consultation.
Can You Sue Collection Company of America for Harassment?
Absolutely. If you believe Collection Company of America potentially violated federal consumer protection laws, you may be able to sue Collection Company of America for harassment and recover substantial compensation.
Important: You can sue even if you owe the debt. Your right to lawful treatment exists independently of debt validity.
Potential Compensation
FDCPA Statutory Damages: Up to $1,000 per case without proving harm.
Actual Damages: Compensation for emotional distress, anxiety, depression, sleep problems, lost wages, medical expenses, therapy costs, and relationship damage.
TCPA Damages: $500 to $1,500 per illegal robocall. If you received 80 automated calls, that’s $40,000 to $120,000 potential recovery.
FCRA Damages: For false credit reporting—actual damages for credit harm, denied applications, lost opportunities, plus statutory damages of $100 to $1,000 for willful violations, and punitive damages for egregious conduct.
Attorney Fees: Paid separately by Collection Company of America when you win. You keep your full compensation.
State Law Damages: Some states allow higher statutory damages, treble damages, or additional penalties.
What You Must Prove
To sue the Collection Company of America for harassment successfully, establish:
- They contacted you to collect a debt
- They’re subject to the FDCPA (they are)
- They violated specific FDCPA, TCPA, or FCRA provisions
- You suffered harm (not required for FDCPA statutory damages)
Strong evidence includes:
- Phone records showing patterns
- Saved voicemails with violations
- Text messages with threats
- Letters with false claims
- Witness statements
- Credit reports with errors
- Medical records for stress treatment
- Documentation of validation/cease letters
Experienced attorneys know what evidence wins cases.
Common Collection Company of America Debt Collector Complaints
Understanding typical Collection Company of America debt collector complaints helps you recognize violations.
Daily Call Bombardment
Many consumers report 10, 15, even 20 calls daily. This excessive volume may demonstrate intent to harass rather than legitimate collection.
Early Morning and Late Night Calls
Collection Company of America debt collector complaints frequently mention calls at 7:30 AM or 9:30 PM. Any calls outside 8 AM to 9 PM may violate federal law.
Workplace Harassment
Complaints describe repeated workplace calls despite objections. Continuing after you’ve objected may constitute intentional harassment.
Illegal Threats
Common potentially unlawful threats:
- “You’ll be arrested.”
- “We’re garnishing your wages this week.”
- “We’re seizing your property.y”
- “I’m an attorney” (when they’re not)
Third-Party Disclosures
Many complaints involve discussing debts with family, leaving detailed work voicemails, sending revealing mail, or telling employers about debts.
Deceptive Statements
Complaints mention inflated amounts, false lawsuit claims, misrepresenting consequences, and failing to identify as debt collectors.
Ignoring Cease Letters
Consumers report continued calling after sending cease and desist letters. This is often the easiest violation to prove.
Protecting Your Financial Health
While fighting harassment, protect your broader financial wellbeing.
Monitor Credit Reports
Get free reports at AnnualCreditReport.com—the only authorized source.
Check for:
- Collection Company of America accounts
- Duplicate listings
- Incorrect amounts or dates
- Debts that aren’t yours
- Information over seven years old
Dispute Errors
Find inaccuracies? Dispute in writing with bureaus and the Collection Company of America. Send via certified mail.
Bureaus must investigate within 30 days. Failure to investigate properly may provide FCRA claim grounds.
Know Statute of Limitations
Every state has time limits for lawsuits (typically 3-6 years). After expiration, they can’t sue you legally, though they may still call.
Warning: Small payments may restart the clock in many states. Never pay old debts without attorney consultation.
Protect Bank Accounts
Never give them:
- Account numbers
- Routing numbers
- Debit card info
They might take unauthorized withdrawals, withdraw more than agreed, or continue after debt satisfaction.
Use money orders or one-time card payments you control.
Get Written Agreements
Never trust verbal promises. Demand written confirmation of:
- Complete payment terms
- Settlement stating the amount satisfies the debt fully
- Credit reporting update agreements
- Zero balance confirmation
Verbal agreements are nearly impossible to enforce.
Other Collectors The Wood Law LLC Handles
The Wood Law LLC represents consumers facing harassment from many collectors:
- BCA Financial Services
- South Bay Collections
- National Recovery Agency
- Strategic Recovery Solutions
- iQor
View their complete agency list and explore practice areas.
Frequently Asked Questions
Is Collection Company of America legitimate?
Yes, they’re a legitimate debt collection agency. However, legitimacy doesn’t prevent violations. If you believe you’re harassed by Collection Company of America, you have legal rights regardless.
How do I verify they can collect my debt?
Send a debt validation letter via certified mail demanding complete proof. They must stop collection until they provide documentation.
Can they sue me for old debt?
Only if within your state’s statute of limitations (typically 3-6 years). Threatening to sue time-barred debt may violate the FDCPA.
What if they threaten arrest?
Document immediately and call an attorney. Consumer debt is civil, not criminal. Threatening arrest may violate federal law. Call +1 844-638-1122 now.
Can I sue if I owe the debt?
Absolutely. Your right to lawful treatment exists independently of debt validity. Violations create liability regardless.
Will CFPB complaints stop calls?
CFPB complaints create records but typically don’t stop calls immediately. The most effective approach combines cease letters, validation requests, and legal representation.
Do I pay attorney fees upfront?
No. The Wood Law LLC works on contingency—you pay nothing unless they recover compensation. The Collection Company of America typically pays attorney fees separately.
Can they garnish without suing?
No. Wage garnishment requires lawsuit, judgment, and court order. Threatening immediate garnishment may be false and illegal.
What if they told family about my debt?
That may violate FDCPA third-party contact rules. Document everything and contact an attorney immediately.
How long do I have to sue?
FDCPA: typically one year. TCPA: four years. FCRA: two to five years. Act quickly to preserve rights.
Partner With Experienced Consumer Protection Attorneys
Stop letting the Collection Company of America’s debt collection control your life. The Wood Law LLC has helped countless consumers end harassment and recover compensation.
Why their approach works:
Immediate action: They begin building your case the moment you call. Most clients see harassment drop dramatically within 72 hours.
Comprehensive strategy: They don’t just stop calls—they pursue every legal claim to maximize compensation. Their attorneys identify violations you’d never recognize.
No financial risk: Zero upfront costs. Contingency structure means you only pay if they win. Collection Company of America typically pays attorney fees separately, so you keep full recovery.
Proven results: Exclusive focus on consumer protection means they know exactly how collectors operate and how to hold them accountable.
Your next steps:
- Document everything from the Collection Company of America
- Send validation and cease letters via certified mail
- File a complaint against Collection Company of America with the CFPB and FTC
- Call The Wood Law LLC at +1 844-638-1122 for a free consultation
Federal law protects you. Experienced attorneys enforce those laws. Don’t wait while Collection Company of America continues to potentially violate your rights.
Review their terms of service.
Get Your Free Case Evaluation: +1 844-638-1122
Stop Collection Company of America debt collection harassment today. Your peace of mind is one call away.
