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Torres Credit Services

Torres Credit Services has been in business for 25 years. While they are physically located in Pennsylvania, they collect debts all over the nation. They advertise that they can handle both large volume and small volume accounts, and offer a full range of debt recovery tactics that includes meter reading, investigations, field payment collections and disconnect and reconnecting services. They employ skip tracing techniques, which include using LexisNexis, CBC Innovis, National Change of Address, Experian and TransUnion to locate consumers. They specialize in retail, medical, utility, telecommunications, commercial and banking collections. They use predictive dialing, which allows them to screen out answering machines and busy signals, and they use text messaging and call recording technology.

The Better Business Bureau gives Torres Credit Services a score of C-, which is based on the fact that they have had 34 complaints lodged against them in the last three years. Twenty-five of the complaints dealt with billing and collection practices, while 9 of them with product and service issues. Specific complaints against them were that they acted in a rude manner, didn’t identify themselves as a debt collector when they called, refused to notify consumers about the details of the debt they were trying to collect, and that they continued to attempt to collect debts after they were told by the consumer that the debt wasn’t even theirs.

Stop Torres Credit Services Harassment

If you are being harassed by a debt collector, you should educate yourself about your rights under the Fair Debt Collection Practices Act (FDCPA). These are the standards that all collection agencies must follow when attempting to collect a debt. The FDCPA was created to protect the rights of consumers and to regulate the practices of debt collectors.

A debt collector may not call you before 8:00 a.m. or after 9:00 p.m. — in your time zone — and they may not use obscene, profane or threatening language when speaking with you, even if you owe the debt in question. They may not call you at work if you are not permitted to receive personal calls, and they must identify themselves as a debt collector when they do call. Within a five-day period after they contact you, they must notify you in writing about the amount of your debt, who you owe the debt to, and then tell you that you have 30 days to dispute the debt.

If a debt collection agency knows that you have attorney representation, they aren’t allowed to call you unless your attorney is not responding to their requests. A debt collector may only contact you, your attorney, the creditor’s attorney, the debt collector’s attorney or a consumer reporting agency, if the law allows it in your area. They may only contact your friends and family once, and that’s limited to asking for your contact information. If you contact a debt collection agency by mail and ask them to stop contacting you, they have to stop unless they are calling to tell you that they are no longer attempting to collect the debt.

If a debt collector is violating the FDCPA, you should report them to the Consumer Financial Protection Bureau. If you have proof of their violations, you can file a lawsuit, and a judge may order them to pay you up to $1,000 in damages, plus court and attorney’s fees.

Torres Credit Services Contact Information

Torres Credit Services
27 Fairview Street, Suite 301
Carlisle, PA 17015
717-243-8424

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"The FDCPA is a consumer protection statute and was intended to permit, even encourage, attorneys like Lemberg to act as private attorney generals to pursue FDCPA claims."

U.S. Ninth Circuit Court of Appeals, Evon v. Law Offices of Sidney Mickell
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