Valentine & Kebartas started out in 1994 as a two-member team concentrating on stellar performance, devoted to results, and responsiveness to customers. They’ve expanded considerably over time, and now boast offices in Massachusetts, Florida, Idaho, and Panama. They have a much diversified portfolio of debt services which they offer across sectors, like retail, bank cards, telecommunications, utilities, insurance, government, commercial leasing, and utilities. They offer pre-collection programs, near shore collections, third-party collections, and letter series. Valentine & Kebartas also provides their customers entry to a network of debt collection lawyers who take consumers to court.
Valentine & Kebartas says that their third-party debt collection “imparts a sense of urgency upon seriously delinquent customers….” Exactly how do they impart that sense of urgency? “Concerted calling campaigns supplemented by automated skip tracing and third-party notices.” If feels like those calling campaigns might skirt the Fair Debt Collection Practices Act, FDCPA, within the last year Valentine & Kebartas has been named a defendant in over two dozen federal cases that claim the business violated the FDCPA.
Valentine & Kebartas have a reputation they are able to do without. Consumers have reported rude and aggressive collectors, and also have reported that collectors say to be from credit card companies and phone you, threaten you and curse at you. Using obscenities, threats, or other abusive language is a violation of the FDCPA . Furthermore, the FDCPA says that debt collectors are only able to contact you at reasonable times, typically between 8 a.m. and 9 p.m. Similarly, a debt collector cannot phone you at work in the event that he or she knows that your company doesn’t permit personal calls, or if you have indicated that you do not want to be phoned at the office.
Additionally, a debt collection agency – whether Valentine & Kebartas or any other debt collector – can not say to be calling from a law firm when they’re not, nor can they pressure you with legal action if they have no plan or capacity to take you to court.
If you would like stop Valentine & Kebartas harassment, you can send them a cease and desist letter. Once you do, Valentine & Kebartas may no longer make contact with you by telephone or by mail, other than to let you know they are no longer going to attempt to collect on the debt or that they’re planning to take legal action.
Valentine & Kebartas
15 Union Street
Lawrence, MA 01840
800-731-7766
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