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Kramer and Associates


401 Hackensack Ave Fl 9
Hackensack, NJ 07601-6402

Contact Them:

(201) 968-0327

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. Dallas B. on March 24, 2015 at 9:38 pm

      Kramer and Associates constantly calls my work and other third parties looking for me. Kramer and Associates calls my work, co-workers, and family members. I have spoken to Kramer and Associates several times asking them to please send me proof that this so called debt exists and not to contact me especially at work. They wont validate this debt and they wont stop calling my job.

    2. Cristin D. on May 9, 2015 at 9:46 pm

      Kramer and Associates put through a $503.00 debit to my checking account after I advised them not to and that I was asking for and entitled to validation of a debt. I spoke with several representatives at Kramer & Associates who assured me they would not put this payment through. I would like the $503.00 debit from Kramer & Associates reversed immediately and put back into my account.

    3. Peter M. on August 13, 2015 at 10:37 pm

      Kramer and Associates calls family members about my alleged debt. Kramer and Associates tells them that I am involved in some sort of lawsuit.

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