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Bay Area Receivables Inc


714 Eastern Shore Dr
Salisbury, MD 21804-5953

Contact Them:

Phone: (410) 860-1600
Fax: (410) 860-2718

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to tell you that you have committed a crime.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 1 Comment

    1. [anonymous] on June 17, 2015 at 11:53 pm

      First time these Bay Area Credit Service LLC called they were rude and threatened to garnish my wages. I’m on social security. But now, Bay Area Credit Service LLC are so fun to mess with. I like to play recorded animal sounds when Bay Area Credit Service LLC calls. I also like to call Bay Area Credit Service LLC back from two different phones and let them talk to each other. The two Bay Area Credit Service LLC employees get mad at each other and don’t know what’s going on. Other times Bay Area Credit Service LLC calls and I keep saying, “What? Let me get my hearing aid.” Then I put Bay Area Credit Service LLC on hold, come back, and as soon as they start talking, I yell, “Why are you screaming at me?!” I’m retired now and kind of enjoy the attention I am receiving from Bay Area Credit Service LLC. I could sue Bay Area Credit Service LLC for violations of the Fair Debt Collection Practices Act, but they bring too much joy to my day.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.