Sterling Credit Corporation
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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:
If any of these things occur, your best option is to consult with a consumer protection attorney.
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My Wife and have been continually receiving phone calls from a Mr Doyle at Sterling Credit from phone number (215) 793-9144 asking to speak to or locate our son, which I imagine is in regard to some money owed. I passed his initial call info on to our son. Several months ago when Mr Doyle at Sterling Credit called I informed him again that our son does not live with us. Every once in awhile he would call back and I would tell him the same thing. The calls started to become more frequent. About a week and a half ago he called again, this time he was very rude and arrogant when I told him that he did not live at our address and that I did not have his present address or phone number. I informed him that I did not appreciate the calls. Mr Doyle said that he would call whenever he wanted and that he would call back the next day as well.
Sterling Credit Corporation can put anything they want on our credit file. Experian, Equifax, and Trans Union do not help us, the consumers, to have it removed. I have sent 4 validation Letters to Sterling Credit Corporation. Nothing has been done yet.
Sterling Credit Corporation
Phone: (215) 793-4600
321 Norristown Road Suite 205, Ambler, PA 19002
Mr. Robert Muzlay, Company Contact
Principal: Mr. Robert Muzlay, Company Contact