Skip to content
Debt Collection
Free Legal Help

Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By Torres Credit Services, Inc.?*

Stop the

You have legal rights. We can help.


When you’re in debt, life can be unbearable. Not only are you stressed and embarrassed about all the mounting credit card debt and missed student loan payments, you may also be harassed by debt collectors. A lot of people are so humiliated by their situation that they don’t fight back when abused. Don’t be one of them.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, prohibits debt collectors from engaging in harassing and oppressive debt collection practices. When a consumer has been subjected to abusive tactics like those below, he or she can sue the debt collector in court.

  • Calling before 8:00 a.m. and after 9:00 p.m. in the consumer’s time zone
  • Talking to anyone except the consumer, their spouse, or their attorney about the debt
  • Failing or refusing to identify themselves as debt collectors in every communication
  • Using profane or obscene language
  • Calling you at work when your employer does not allow such calls
  • Failing to report to the credit bureaus that a debt is in dispute

Need Help With Torres Credit Services?

Call for a Free Case Evaluation Now!

Company Profile: Torres Credit Services, Inc.

Torres Credit Services, Inc. is a collection agency located in Carlisle, Pennsylvania. It originally opened for business in 2003, has less than 10 employees, and is managed by its President, David J. Bucher.

Records on file at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Torres Credit Services, Inc. chose to fight back instead of pay.

Are You Being Called By Torres Credit Services, Inc.?*

Need Help With Torres Credit Services?

Call for a Free Case Evaluation Now!

Alleged Violations against Torres Credit Services, Inc.

Samantha Case vs. Torres Credit Services, Inc.

According to PACER, on or about July 9, 2012, Torres Credit Services, Inc. sent a collection letter to a Pennsylvania woman. She later complained that the window envelope left part of her account number with the company visible.

Feeling harassed by Torres Credit Services, Inc., she hired a consumer attorney and sued the agency for allegedly violating the FDCPA in the following ways:

  • Using unfair and unconscionable means to collect a debt
  • Sending a collection letter in a manner that left her private information visible

The matter was later dismissed.

Need Help With Torres Credit Services?

Call for a Free Case Evaluation Now!

Hire an FDCPA Attorney

The phone numbers for Torres Credit Services, Inc. are as follows:

If you ever see any of them on your caller ID, it means that you are being called by Torres Credit Services, Inc.. If they call and send letters in a manner that makes third parties aware that you are in collections, you can hire a consumer attorney and file a claim against Torres Credit Services, Inc.

If you win, you could be awarded $1,000 per FDCPA violation. You may owe debt but if it is not collected in accordance with the law, the collector could be the one who owes you money.

Need Help With Torres Credit Services?

Call for a Free Case Evaluation Now!

Additional Resources

Case taken from PACER ( File number is Case 5:13-cv-02064-LS from the United States District Court for the Eastern District of Pennsylvania.

*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 Torres Credit Services, Inc., 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.