Skip to content
Debt Collection
Free Legal Help

By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Bath Credit Services?*

Stop the

You have legal rights. We can help.


Are you being called by Bath Credit Services?* Here’s what you need to know.

In some circumstances, debt collectors can be little more than bullies. When you can’t pay what they are demanding, they raise their voice, insult your financial responsibility, and make threats that can leave you sweating. If you’re faced with a situation like this, you need to know that such actions on the part of a debt collector are illegal, and you can take action to make it stop.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that governs the collection behaviors of third-party collection agencies. Since 1977, when the law was passed, tactics like the following have been illegal and can subject an agency to major financial penalties.

  • Cursing and calling you names
  • Calling you at inconvenient times and places
  • Contacting you if the debt collector is aware that you are being represented by an attorney
  • Pretending to be attorneys or police officers
  • Using an autodialer to contact you nonstop
  • Telling you that you can be arrested and sent to jail if you don’t pay

Is Bath Credit Services Calling You?

Need Help With Bath Credit Services?

Call for a Free Case Evaluation Now!

Company Profile: Bath Credit Services

If you are being called by Bath Credit Services, information about the company is below.

Bath Credit Services is a debt collection company located in Bath, New York. It was established in 1976, has less than 10 employees, and is managed by its President, Donna Simonson. The agency indicates on its website that it serves the debt-collection needs of a variety of industries, including retail, medical, and housing. A review of litigation records at the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed they were being harassed by Bath Credit Services refused to be threatened or pressured into debt payments they could not afford.

Need Help With Bath Credit Services?

Call for a Free Case Evaluation Now!

Alleged Violations against Bath Credit Services

According to PACER, on May 16, 2013, Bath Credit Services sent a collection letter to a Florida resident demanding $1,457.50 for an alleged utility debt. The letter stated in part that any dispute had to be submitted in writing within 30 days, but document itself was undated.

Feeling harassed by Bath Credit Services, the resident hired a consumer attorney and sued the company for allegedly violating the FDCPA by making her dispute rights unclear.

The matter was later settled.

Need Help With Bath Credit Services?

Call for a Free Case Evaluation Now!

Hire an Attorney

The phone number for this debt collection agency is 1-607-776-7689. If it appears on your caller ID in response to an incoming call, it means that you are being called by Bath Credit Services. If the company sends you a demand letter that makes your dispute rights unclear, hire a consumer attorney who can advise you and, if necessary, help you file a claim against Bath Credit Services. If you win your case, you may be awarded $1,000 per FDCPA violation plus court costs, reasonable attorney fees, and any other costs associated with pursuing the claim. Never let a debt collector scare you into forgetting your rights.

*Case taken from PACER ( File number is Case 5:14-cv-00182-ACC-PRL from the United States District Court for the Middle District of Florida, Ocala Division.

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Bath Credit Services, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
Be the first to comment

Leave a Comment

Write a comment below to share your experience. Or, instead you can send a secure message to our legal team.
Email & phone number are required to block spam, but will not be published.

Briefly describe your experience

Briefly describe your experience

What’s your name?

What’s your name?

What’s your email address?

Please enter a valid email address.

What’s your phone number?

Please enter a valid phone number.

Want to know if you could sue? Get a free legal evaluation.

Free Case Evaluation

    1. Please fill out your contact information:

    2. Has a debt collection done any of the following:

    By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.