Has a debt collector gone too far?

Falling behind on your debt payments may leave you feeling anxious, scrambling to juggle money and worrying about the future if you can’t catch up. It can also leave you dealing with the aggressive tactics of debt collectors. If you are late on your mortgage payment, credit cards or other bills, you may dread the sound of your phone ringing, the notification of a message or even a knock at the door.

Fortunately, the law places strict limitations on the methods debt collectors may use to intimidate you into making a payment. Knowing your rights under the Fair Debt Collection Practices Act may help you to deal more effectively with harassing debt collectors until you figure out the most appropriate way to manage the issue of your overwhelming debt.

Don’t be a victim of creditor harassment

Collection agencies and departments know how upsetting it can be for a consumer to receive a call demanding payment on a debt. They take full advantage of that insecurity, and sometimes that includes stepping over the lines drawn by the FDCPA. If a creditor or collection agency is using any of the following tactics, you would be wise to seek legal advice about your options for getting them to stop:

  • Calling constantly even after you ask them to stop
  • Calling at obviously inconvenient times, like holidays
  • Contacting you outside the hours of 8 a.m. and 9 p.m.
  • Contacting you while you are at work
  • Using obscenities, verbally abusing you or making threats to harm you
  • Threatening to have you arrested, confiscate your property or jeopardize your job
  • Disclosing your debt to your employer, neighbors, friends or others not connected to the situation
  • Contacting your Pennsylvania employer, family, friends or others to obtain information about your whereabouts
  • Failing to provide you with information you request about the debt

Debt collectors may also try to get you to pay what you do not owe. They may insist you owe more than the actual overdue amount, try to convince you that you still owe a debt you paid off or demand payment on a debt that has expired. It is always wise to request written validation of the debt before agreeing to send money, even a single dollar. You may also find that certain debt relief options, such as bankruptcy, will put an immediate end to harassing creditor calls.


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

Privacy Policy

This privacy policy discloses the privacy practices for www.bononiandbononi.com. This privacy policy applies solely to information collected by this web site. It will notify you of the following:

  1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
  2. What choices are available to you regarding the use of your data.
  3. The security procedures in place to protect the misuse of your information.
  4. How you can correct any inaccuracies in the information.

Information Collection, Use, and Sharing 
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary.

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.

Your Access to and Control Over Information 
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

  • See what data we have about you, if any.
  • Change/correct any data we have about you.
  • Have us delete any data we have about you.
  • Express any concern you have about our use of your data.

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

We also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.


Our Privacy Policy may change from time to time and all updates will be posted on this page.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 412-832-2499