Nothing leads to greater stress in the life of an individual, and certainly strife among couples, than money problems. Whether it’s reckless spending or too much debt, money is stressful. That burden can increase tenfold when aggressive debt collectors hound you on a daily or weekly basis to collect on debt. For some, debt collection efforts are misdirected and not even related to your financial behaviors or current standing. The best way to fight back against harassing and abusive behavior from debt collection agencies is to arm yourself with knowledge.

What is SRA Associates?

SRA Associates Inc. is a full-service civil debt recovery group that was founded in 1994. The company promises to provide its customers with cost-effective recovery efforts that include dispute resolution between their clients and those with debt, negotiation of payment terms to provide in-debt consumers with affordable options to pay back past-due accounts, payment processing for its clients, and detailed reporting on all active accounts.

While some collection agencies focus on specialized industries, SRA Associates offers third-party collection to lenders looking to collecting on any of the following debts:

• Automotive loans
• Credit cards
• Mortgages
• Home equity loans
• Homeowners association fees
• Lines of credit
• Medical bills
• Student loans
• Specialty asset loans (boats, RVs, and other recreational assets)

Unlike many other third-party debt collection groups, SRA Associates Inc. is actually an accredited organization with the Better Business Bureau. Not only is SRA Associates one of the few BBB-accredited debt collection agencies, it maintains an A+ rating with the BBB and has had just five disputes in the last 3 years (all successfully resolved).

Contacting SRA Associates

SRA Associates Inc. operates in the state of New Jersey, and has since its founding in 1994. If you need to contact the business by phone, there are three numbers you can call:

• (856) 925-1000
• (800) 735-0552
• (856) 755-0500

You may also fax any forms or documents to SRA Associates using their fax line at (856) 755-1244, send copies of those documents via the US Postal Service to the following address:

401 Minnetonka Road
Hi-Nella, NJ 08083-2914

How to Stop Harassment

If you feel that you’ve been the subject of harassment or abusive behavior from SRA Associates Inc., or any other debt collection group, you have the right to fight back. The Fair Debt Collection Practices Act (FDCPA) and other federal consumer protection laws offer you a path to resolve these issues by taking legal action against the offending party.

Under the FDCPA, there are a number of behaviors that violate federal law governing debt collection practices. Among the most important to be aware of regard phone calls. No debt collector can call you before 8AM or after 9PM, and there is never an appropriate reason for debt collectors to contact you at work, call your family and friends, or inform your employer of your debt situation.

Additionally, the FDCPA restricts the language that debt collectors can use on the phone. If you are threatened with wage garnishment, jail time, are subjected to verbal abuse over the phone, or the caller fails to identify themselves at the beginning of the call, you have the legal right to file a complaint and bring an end to that behavior.

Turn to Fair Debt Lawyers for Help

If you’re going to go to court against a debt collector’s practices, you need individuals on your side with the expertise to bring an end to the abuse and harassment. Fair Debt Lawyers employees highly trained legal experts who have been working with the FDCPA and other consumer protection laws for years.

Our goal is to sit down with you and analyze your situation. We’ll help you determine the validity of your complaint, establish a pattern of illegal behavior on the part of the debt collection agency, and even file the necessary legal paperwork to initiate the complaint process. Once your paperwork is filed, we’ll monitor your claim and deal with any additional requests for information so you don’t have to speak to the debt collection agency again.

There’s no need to keep living with the stress of constant phone calls and the fear that comes from threatening language. Contact Fair Debt Lawyers today to put a legal expert on your side who will fight to help you stop the harassment.