Simm Associates Debt Collection Harassment? Know Your Rights and How to Stop the Calls
Have you been receiving frequent and harassing phone calls from Simm Associates about a debt? Are they calling you at work, late at night, or repeatedly throughout the day? If so, you may be a victim of Simm Associates debt collection harassment—and you don’t have to tolerate it.
Under federal law, there are limits to what debt collectors can say and do. If they cross the line, you have the power to make it stop and even seek compensation.
In this article, we’ll walk you through:
- Who Simm Associates is
- Common debt collection harassment tactics
- Your legal rights under the FDCPA and TCPA
- Steps to stop Simm Associates’ calls
- How a consumer rights attorney can help
Who Is Simm Associates?
Simm Associates Inc. is a third-party debt collection agency based in Newark, Delaware. The company specializes in collecting past-due accounts on behalf of credit card companies, student loan providers, medical institutions, and other creditors.
They are a legitimate debt collector, but that does not give them the right to harass you. Like all collection agencies, they are required by law to follow strict guidelines regarding how and when they can contact consumers.
What Is Debt Collection Harassment?
Debt collection harassment refers to any abusive, misleading, excessive, or threatening behavior by a debt collector that causes distress or violates your privacy. It can take many forms, including:
- Repeated daily calls
- Calls outside allowed hours (before 8 a.m. or after 9 p.m.)
- Use of robocalls or autodialers
- Threats of legal action or arrest
- Contacting you at work after you’ve told them not to
- Calling your family, friends, or employer
- Refusing to validate the debt
- Continuing to contact you after a cease and desist request
If Simm Associates has used any of these tactics, you could have a legal claim under federal consumer protection laws.
Real-Life Complaints Against Simm Associates
Many consumers have reported troubling experiences with Simm Associates, such as:
“They called my job and spoke to my boss about my personal debt. I was humiliated.”
— Donna L., Florida
“Even after I told them to stop calling, the robocalls continued every morning before work.”
— Marcus J., Texas
“I asked for written proof of the debt. Instead, they started threatening me with lawsuits.”
— Jennifer S., California
These stories are not unique. If you’re experiencing similar harassment, you’re not alone—and you don’t have to suffer in silence.
What the Law Says: The FDCPA and TCPA
1. Fair Debt Collection Practices Act (FDCPA)
The FDCPA is a federal law that prohibits debt collectors like Simm Associates from using abusive, deceptive, or unfair tactics.
Under the FDCPA, Simm Associates cannot:
- Call repeatedly with the intent to harass
- Threaten legal action they don’t intend to take
- Use profanity or abusive language
- Lie about the amount or nature of the debt
- Contact you after a written request to stop
- Disclose your debt to third parties
If they violate any of these rules, they could be held liable, and you could recover up to $1,000 in statutory damages—plus emotional distress and attorney’s fees.
2. Telephone Consumer Protection Act (TCPA)
The TCPA protects you from unwanted robocalls or automated calls to your cell phone without your prior consent.
If Simm Associates is using:
- Automated dialers
- Prerecorded messages
- Robocalls to your mobile phone
…you may be eligible to recover $500 to $1,500 per illegal call under the TCPA.
Signs You May Be a Victim of Simm Associates Debt Collection Harassment
Here are some red flags that indicate harassment:
✅ Calls multiple times a day, every day
✅ Calls continue after you’ve requested them to stop
✅ You receive robocalls or voicemail spam
✅ You’re being contacted at work or your employer was informed
✅ They threaten you with wage garnishment or legal action
✅ They refuse to provide written proof of the debt
If you recognize any of these behaviors, it’s time to take action.
What You Can Do to Stop the Harassment
1. Start Documenting Every Call
Keep a detailed log of:
- Dates and times of each call
- The number they called from
- What was said (especially if threats were made)
- Whether it was a human or robocall
- Whether you asked them to stop
This evidence can be critical if you decide to pursue legal action.
2. Request a Debt Validation Letter
You have the legal right to request written verification of the debt within 30 days of the initial contact. Until they provide proof, they must pause all collection activity.
Send your request via certified mail and keep a copy for your records.
3. Send a Cease and Desist Letter
Under the FDCPA, once you send a written request asking them to stop contacting you, Simm Associates must comply. If they continue to call after receiving your letter, they are breaking the law.
4. Report Simm Associates to the Authorities
If Simm Associates continues to harass you, report them to:
- The Consumer Financial Protection Bureau (CFPB)
- The Federal Trade Commission (FTC)
- Your State Attorney General
These agencies investigate complaints and take action against repeat offenders.
5. Contact a Consumer Rights Law Firm
You may be entitled to:
- Statutory damages
- Emotional distress compensation
- Recovery of lost wages
- Legal fees paid by the debt collector
A consumer rights lawyer can review your case and take action at no cost to you. Most of these attorneys work on a contingency basis — meaning they only get paid if you win.
Sample Cease and Desist Letter Template
Here’s a basic template you can customize:
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[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
Simm Associates, Inc.
[Address if known]
RE: Cease and Desist Communication Request
To Whom It May Concern,
Under the Fair Debt Collection Practices Act (FDCPA), I am formally requesting that you cease all communication with me regarding any alleged debts.
Please do not contact me via phone, mail, email, or any other form of communication. If you continue to contact me after this notice, I will consider it a violation of federal law and pursue legal remedies.
Thank you for your prompt attention to this matter.
Sincerely,
[Your Signature]
FAQs: Simm Associates Debt Collection Harassment
❓ Is Simm Associates a scam?
No, they are a real debt collection agency. However, real companies can still engage in illegal or harassing behavior.
❓ Can they call me at work?
Not if you tell them you are not allowed to receive such calls there. If they continue to call your workplace, it may be a violation of the FDCPA.
❓ What if I don’t recognize the debt?
You can dispute the debt and request validation. They are required to provide written proof within five days of your request.
❓ Can they sue me for the debt?
They may threaten legal action, but not all collectors follow through. If they threaten to sue without intent, that itself is a violation.
❓ Can I sue Simm Associates?
Yes. If they violated the FDCPA or TCPA, you may be able to sue for compensation. An attorney can help you build your case.
Final Thoughts: Take Back Control from Debt Collection Harassment
Debt collectors have a job to do, but they are not above the law. If Simm Associates is contacting you excessively, using threats, robocalls, or other deceptive practices, you don’t have to accept it.
With documentation, legal action, and support from a consumer rights attorney, you can stop the harassment and potentially get compensated for the stress and inconvenience they caused.
Ready to Stop the Calls?
If you’ve been harassed by Simm Associates, don’t wait. Take action today:
✅ Send a written cease and desist
✅ Request debt validation
✅ Report the harassment
✅ Consult a consumer rights attorney
You don’t have to face this alone. You have rights, and the law is on your side.