Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rosenberg & Associates Recovery Services
State: PA

Complaint narrative:
Formal Complaint Against Rosenberg & Associates, LLC For FDCPA and State Law Violations Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX. 
XXXX, PA XXXX Phone : ( XXXX ) XXXX Email : XXXX Respondent : Company : XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Date : XX/XX/XXXX Subject : Illegal Collection Attempt and Third-Party Contact Regarding a Time-Barred Debt Summary of Complaint I am submitting this complaint regarding Rosenberg & Associates, LLC , a debt collection law firm that has contacted both me and my husband in an attempt to collect on an alleged XXXX XXXX/ XXXX XXXX XXXX XXXX debt originally opened in XXXX. 

This debt is well beyond the applicable statute of limitations in Pennsylvania and is not legally enforceable, yet the firm continues to attempt contact and threaten potential civil action. Additionally, they have contacted my husband, who is not a party to this alleged debt, in violation of federal and state consumer protection laws. 

Facts and Details The alleged account originated with XXXX XXXX XXXX XXXX XXXX XXXX and was opened in XXXX. 

There has been no account activity, payment, or acknowledgment of this debt since that time.

Despite the age of the debt, Rosenberg & Associates has recently contacted my husband directly in connection with this account. 

My husband has no financial or legal connection to this alleged account. 

The firms communication constitutes an attempt to collect a time-barred debt and a violation of third-party contact prohibitions. 

Applicable Law Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), specifically : 1692c ( b ) : Prohibits contacting third parties about a debt, except for limited location purposes.

1692e ( 2 ) ( A ) : Prohibits false or misleading representations regarding the legal status of a debt ( e.g., threatening suit on a time-barred debt ).

1692d : Prohibits harassment, abuse, and unfair collection practices.

Pennsylvania Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 et seq. ) adopts the FDCPA as state law and prohibits unfair or deceptive collection practices.

Pennsylvania Statute of Limitations ( 42 Pa.C.S. 5525 ( a ) ( 8 ) ) limits collection suits on written contracts or obligations to four ( 4 ) years from the date of last payment or default. 

Given that the alleged debt dates back to XXXX, it is approximately XXXX XXXX XXXX and therefore time-barred by over 17 years. 

Requested Action I respectfully request that your offices : Investigate Rosenberg & Associates, LLC for violations of the FDCPA and Pennsylvania

consumer protection laws. Ensure that the firm ceases all communication with my husband or any other third party.

Direct the firm to cease collection activity on this time-barred debt. 

Impose penalties or sanctions as appropriate to prevent further unlawful conduct. 

I have retained copies of all communications and am prepared to provide supporting documentation, including correspondence and phone logs, upon request. 

Certification I certify that the statements contained in this complaint are true and accurate to the best of my knowledge and belief. 

Signature : XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX

Company response to consumer: Untimely response