Benjamin & Williams Credit Investigators or B&W is a third-party collection agency based in New York. B&W has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including harassment. If you have been contacted by B&W, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), Benjamin & Williams Credit Investigators, Inc. was founded and incorporated in 2004. The BBB established a profile page for B&W in 2004, about a week after they were founded. B&W is listed as a collection agency. Buzzfile estimates B&W’s annual revenue at $600,000 and the size of its headquarters staff at 15 employees.
According to its website, B&W’s “specialty is in resolving claims to the satisfaction of both parties.” B&W employs an “experienced team” who uses all of their resources “to collect the cash that your business deserves.”
The B&W website does not provide a lot of detailed information about its business practices or client base. They state that they have “experience working in all major industries to ensure the right process is taken to collect as fast as possible.” They are also “experienced in collecting from both U.S and foreign companies and organizations.” In addition to account resolution and global coverage, B&W also promises “immediate credit,” with “all claims received… processed immediately.” Finally, B&W promises to “collect and keep…cash flowing with…a remit of the 21st of each month…for 38,000 clients and counting.”
The B&W website does not provide any information about its compliance policies. There are no links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 3 complaints against Benjamin & Williams Credit Investigators in the preceding 3 years, with 1 complaint closed in the past 12 months. Two of those complaints alleged problems with billing and collections; the other complaint alleged problems with customer service. The Consumer Financial Protection Bureau (CFPB) has not reported any complaint data about B&W. Justia lists at least 1 case of civil litigation involving B&W.
Benjamin & Williams Credit Investigators, Inc.
5485 Expressway Drive N.
Holtsville, NY 11742-1311
Telephone: (631) 627-6000
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely B&W would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Complaints
Complaints against B&W commonly cite problems resulting from harassment and disputes about the validity of debts. In June 2017, a complainant indicated that he had been receiving “harassing calls, emails, and faxes from…B&W on a daily basis.” The complainant stated that he had previously disputed the debt, claiming that the bill resulted from a job that was discontinued because the contractor was not fully licensed. The complainant claimed further that B&W had listed his employer as a defendant, “even though his employer has… nothing to do with this.” The complainant stated that he “notified them to stop their predatory and insane practices and to amend their file to remove…his employer from this, but they refused and kept their harassment tactics.” In response, B&W claimed that the complainant had failed to pay a delinquent bill, and that it was placed in collections. They cited a response from the original creditor that answered the complainant’s accusation that they were not licensed, in which they stated there was an error on the job order, and that they had hired an attorney. The complainant replied by stating that despite his request that B&W cease harassment, the correspondence continued, and now included “faxes and mail to…his employer.” He stated that B&W is “just insane with their predatory harassing practices.” In their rebuttal, B&W stated that they had “removed the debtor’s fax and email” from their database, and that “a law firm in New Jersey is now handling this claim.” The complainant’s final reply indicated that his concerns had not been addressed and that B&W “need to be reported for their abusive and harassing tactics.”
In March 2017, a complainant indicated that he wanted Benjamin & Williams Credit Investigators to stop contacting him and to close all open accounts B&W had been maintaining on him. He requested that they cease and desist from all forms of communication, including email. In response, B&W stated that they “closed the account per the client’s request.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.”
“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls were super considerate when I talked with them. I love the hard work”
“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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