866-423-0533

It's a collection agency "BYL Services".

This agency keeps calling my 82 year old father.  He has had a new phone number for 1 year they call him three times a day... Same thing... message to call 866 423-0533.  I have asked he has asked to remove him from their list... Deloris A Frasier doesn't have this number any more...

They continue.  How do we stop the harassment so my father doesn't get calls?  They wont listen.  Where can I file a complaint so they stop?

We tried the phone company... didnt help  My father doesn't have caller ID and is hard of hearing.

keep receiving calls  at 732-701-1065 for a midy spano.

please remove ####   have had this # for 2 years

I hve been getting the cal for Recardo Gonzalez to call BYL Collections @ 1-888-355-9644.

Call the Better Business Bureau....  I am going to google them for their info and report this company....  they are harassing me also... and when I ask them questions about who they are... they hang up on us.... pretty shady if you ask me....

They have been harassing me for over a year now for a doctor's bill that was paid a year ago.  They laughed at me too when i've called in the past & said they get my kind of calls all the time.  She actually sat there laughing on the phone.  There has to be some kind of law they are breaking because it's not just an annoyance anymore - it is harassment!!!  Not to mention that they don't typically answer the phone & you sit on hold forever!

Why do u keep calling me. I don't know what this is but it has to stop. i've never opened anything with this company nor "the element", i'm not sure how you have associated with this collection but it has to stop!

2122 Piccarod Circle
Stockton, Ca. 95207

The caller Ken at phone# 610-840-8100 ex8103 called and left a message in regards to this letter I received that's very disturbing. Some how these crooks even got my cell phone# and they have been harrassing me at work. I'm very upset about this and want to know just how to resolve it. call me on my home phone at 209-957-7966.

From their website:

BYL Companies
Our contact information:

General
Corporate Office
301 Lacey Street
West Chester, PA 19382
Toll Free: 877.840.8102
Direct: 610.840.8100
Fax: 610.840.8139
Email: info@bylcompanies.com

Consumer Payment
Mail payments to:
P.O. Box 569
Malvern, PA 19355
Tel: 877.840.8102
Web: www.bylservices.com

By Division
Healthcare | Utility
Bonnie Carey, Collection Manager
Tel: 877.608.1671
Fax: 610.840.8139
Email: info@bylcompanies.com

Financial | Retail Services | Property Management
Ryan Carver, Collection Manager
Amy Wolfe, Supervisor
Tel: 866.423.0533 | 877.277.5958
Fax: 610.840.8139
Email: info@bylcompanies.com

By Department
Business Development
Ryan Howard, VP of Business Development
Tel: 877.840.8102, ext. 8145
Email: rhoward@bylcompanies.com

Operations | Compliance
Raymond Stein, SVP of Operations
Tel: 877.840.8102, ext. 8109
Email: rstein@bylcompanies.com

Karen Sliwinski, VP of Operations
Tel: 877.840.8102, ext. 8111
Email: ksliwinski@bylcompanies.com

Client Services
Robin Minka, Customer Relations
Tel: 877.840.8102, ext. 8119
Email: rminka@bylcompanies.com

http://www.bylcompanies.com/

Also see notes under: https://800notes.com/Phone.aspx/1-610-840-8147

It is BYL Services - a collection agency.  

I have been getting calls from them for about a year, and it goes to my fax machine.  I was finally home to pick it up before the fax machine, and got a recording for a person that I did not know.  I have had this number for at least 10 years.  I called them back and they refused to remove my number until I gave them my own personal name.  You would think that a GOOD collection agency would have accurate phone number information (especially those that are listed, like mine).  Truly a nuisance.

I get multiple calls every day to my answering machine asking for a Paul Lamont. The message is always from Jack of BYL Services. It reads if you are not Paul Lamont disconnect now. My answering machine will not let me delete a message until I have played all of it. I have had this phone number for 6 months. I do not know anyone named Paul Lamont. I also tried calling them to complain and they refused to talk until I gave them my name. I tried an alias and got the laugh track treatment. Banking laws in each state monitor consumer harassment or the Secretaries of State or Attorney's General but with only blind messages I can't give them details on who to charge with violating my rights.

I just called the number they left in the message for "Romans Kelbeepee" which changed in the last few days to "Kelbep Rumans" and the very nice lady I talked to said she was going to remove the number from the database when I told her there was no one by that name here (First she asked if I wanted it removed because it was a cell phone and I reiterated that I just didn't know the person).  I guess we'll see if Jack calls back.

Jack calls and leaves a message for a person he's trying to collect money from for a debt.  I don't know the person and he indicates in his message if I'm not that person to hang up.  You can't hang up a voice message.  This is annoying - I get calls several times a day sometimes. I want this Jack person to get his numbers straight or get a real job.

Yes there is a law - but you would not even try to google search for it

its called the Fair Debt Collection Practices Act  there are STATE and FEDERAL VERSIONS OF IT

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

BYL shows on my cell caller id as 610-840-8147, 610-350-2343, and 610-636-3900. They have been calling my cell # for a relative who has never used my phone and doesn't even live with me!  I have ignored the calls up to today and finally called them to request they remove my number.  They do use an automated recording which I understand is not legal.  After speaking with one rep who hung up on me, I called back and spoke with another person who said they would remove my number.  I requested their STREET address, as opposed to the billing address, which is a post office box, so that I can send a letter with PROOF OF DELIVERY of my letter.  That way, I have LEGAL proof that I requested to be removed from their list.  If they continue to call me, I will be able to sue them in small claims court in my State, NJ.  Their office is in West Chester, PA while their post office box is in Malvern, PA.  When you need to show proof that you sent a letter to someone, you cannot use a post office box - you need their actual street address!  By the way, they HAVE to provide that to you if you request it.

How about you guys pay your bills and then the collection agency would not be calling you! There's an idea for ya!!

You State's attorney general is who you call.  They will act immediately.

Hey Bill Collector, maybe if you could read the stories above, you would realize that people are getting calls for other people that they don't know. Maybe you should get your skip tracers to do better work and stop giving false phone numbers out so that innocent people can stop getting these calls!

I just received two papers in the mail from BYL COllection Services from Malvern, PA saying that I owe a little over $500 dollars. On the paper it has an account name that they say I have used at Christiana Care, which is a hospital. I have not been to the hospital in like 2/3 years, and I've never used a credit card ... I've never even had a credit card. Decided to look up the number online since I couldn't really find anything else about this so called company, and someone else's comment on here says that they've been receiving calls from this company as well. I just hope and know that this is a scam. Different scammers have been calling my number all summer long saying that I owe student loans and car loans (Never been to college and never had a car.) I'm going to need for these people to leave me tf alone.

Those papers should have contained the following which is a statement of your rights in the matter:

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

Now, if they contained that and you fail to request a debt validation letter from them, then you have given up your legal rights in this matter.  If those letters didn't contain that, then they violated the law.

You should immediately send them a certified, return receipt debt validation letter, samples of which can be obtained off of the CFPB website to which I have provided a link.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are:  http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general