Monarch Recovery Management Phone Harassment? Here’s What You Can Do to Stop It

August 2, 2025 By letrank

Are you receiving non-stop phone calls from Monarch Recovery Management? Do the calls feel threatening, overwhelming, or disruptive to your daily life? You’re not alone—and you don’t have to tolerate it.

Many consumers across the U.S. have reported aggressive debt collection calls from Monarch Recovery Management. While collecting debt is legal, harassing people through relentless phone calls is not.

If Monarch Recovery Management has been calling you, here’s what you need to know:
You have rights, and there are steps you can take to stop the Monarch Recovery Management harassment, validate the debt, and even take legal action if necessary.

Who Is Monarch Recovery Management?

Monarch Recovery Management, Inc. is a third-party debt collection agency based in Bensalem, Pennsylvania. The company is known for collecting on defaulted or past-due accounts on behalf of major creditors, including banks, medical providers, and credit card companies.

While their job is to recover unpaid debts, Monarch Recovery Management has been the subject of numerous consumer complaints, including:

Repeated phone calls throughout the day
Robocalls and automated voicemails
Calls to workplaces and family members
Failing to verify debts
Harassing and threatening language

If you’ve experienced any of these behaviors, you may be a victim of Monarch Recovery Management phone harassment—and the law is on your side.

What Counts as Phone Harassment?

Debt collectors like Monarch Recovery must follow strict legal guidelines when contacting you. Under U.S. law, the following behaviors may constitute harassment:

Calling multiple times per day
Calling before 8 AM or after 9 PM
Leaving pre-recorded messages without consent
Using threatening or abusive language
Calling your friends, family, or employer about your debt
Ignoring written requests to stop calling
Continuing to contact you after debt validation is requested

Even if you owe money, you still have legal protections from harassment and abuse.

Laws That Protect You from Debt Collector Harassment

Several federal laws exist to safeguard consumers like you from abusive debt collection practices.

1. Fair Debt Collection Practices Act (FDCPA)

This law regulates third-party debt collectors, including Monarch Recovery. It prohibits:

Harassment, threats, or verbal abuse
Repeated or excessive phone calls
Misrepresentation of the debt
Contacting you after you’ve sent a cease-and-desist letter
Contacting others about your debt

If Monarch Recovery violates the FDCPA, you may be eligible for:

Up to $1,000 in damages
Legal fees covered
Actual damages for emotional distress

2. Telephone Consumer Protection Act (TCPA)

The TCPA protects you from unwanted robocalls, texts, or prerecorded messages. If Monarch Recovery uses automated systems to contact you without consent, you could be entitled to:

$500–$1,500 per illegal call

This adds up quickly, especially if you’re getting calls daily.

3. Fair Credit Reporting Act (FCRA)

If Monarch Recovery is reporting your debt to credit bureaus, it must be accurate and verified. If they report incorrect or outdated information, you have the right to dispute it and demand correction or removal.

Why Is Monarch Recovery Management Calling Me?

You might be receiving calls from Monarch Recovery for several reasons:

You owe a past-due debt (credit card, loan, medical bill, etc.)
Monarch was assigned or purchased your debt
They are trying to collect on a settled or disputed debt
You are the wrong person (mistaken identity)
Someone used your contact details fraudulently

In many cases, they are calling the wrong number or contacting you over a debt that’s already resolved.

Common Complaints Against Monarch Recovery Management

Here are a few real-life complaints filed by consumers:

“They call me 3-4 times a day, even after I told them to stop. They even called my job!”

“I’ve asked for proof of the debt multiple times, and they keep calling without sending anything in writing.”

“They’re calling about a debt from over 10 years ago—completely outside the statute of limitations!”

These are not isolated incidents. You have the right to demand they stop, and even to take legal action if their behavior continues.

What You Can Do to Stop Monarch Recovery Management Phone Harassment

Don’t suffer in silence. Here are 6 steps you can take right now to stop Monarch Recovery Management phone harassment:

1. Start Documenting Every Call

Keep a call log with the following details:

Date and time of call
Caller’s name (if provided)
Phone number used
Voicemail content (if any)
Any threats, rudeness, or illegal behavior
Whether it was a live call or robocall

This documentation is critical if you want to file complaints or sue for harassment.

2. Request Debt Validation in Writing

Under the FDCPA, you have the right to request proof of the debt. Send a letter asking for:

The name of the original creditor
The total amount owed
A copy of the debt validation
Confirmation that you are legally obligated to pay

If Monarch cannot provide this, they must stop contacting you.

3. Send a Cease-and-Desist Letter

You can legally request that they stop all contact. Here’s a template:

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[Your Full Name]

[Your Address]

[City, State ZIP]

[Date]

Monarch Recovery Management

3260 Tillman Drive

Bensalem, PA 19020

Subject: Cease and Desist Communication

To Whom It May Concern,

I am writing to formally request that Monarch Recovery Management cease all communication with me regarding any alleged debts. Under the Fair Debt Collection Practices Act (FDCPA), you are required to honor this request.

Please do not contact me by phone, email, text, or mail from this date forward. Any further contact may be considered a violation of federal law.

Sincerely,

[Your Name]

Send the letter via certified mail and keep a copy.

4. Block Their Number (Short-Term Relief)

You can block Monarch’s known numbers on your phone. While this doesn’t stop them entirely (they may call from different numbers), it may reduce stress while you pursue legal solutions.

5. Report the Harassment

You can file complaints with the following agencies:

Consumer Financial Protection Bureau (CFPB)
www.consumerfinance.gov/complaint
Federal Trade Commission (FTC)
www.reportfraud.ftc.gov
Better Business Bureau (BBB)
www.bbb.org
Your state’s Attorney General office

These reports add to their record and could result in penalties.

6. Hire a Consumer Rights Attorney

Attorneys who specialize in debt collection harassment (like Consumer Rights Law Firm PLLC) can:

Stop the calls immediately
Help you sue for damages
Get the debt dismissed if improperly handled
Represent you at no upfront cost (many work on contingency)

Can I Sue Monarch Recovery Management?

Yes. If Monarch Recovery Management violated the FDCPA, TCPA, or FCRA, you can file a lawsuit. You may be eligible to recover:

$1,000 under the FDCPA
$500–$1,500 per robocall under the TCPA
Actual damages for emotional distress, missed work, or reputation damage
Full coverage of your attorney’s fees

Most lawsuits never go to trial—collection agencies often settle once they’re faced with legal action.

Frequently Asked Questions (FAQs)

Q1: What if I don’t owe the debt Monarch Recovery is calling about?

A: Request debt validation immediately. If they can’t prove it’s yours, they must stop collection efforts.

Q2: Can they call my employer?

A: Only to confirm your employment—not to discuss the debt. You can tell them your workplace prohibits such calls.

Q3: What if they continue calling after I sent a cease-and-desist letter?

A: That’s a direct violation of the FDCPA. You should consult a consumer protection attorney and consider legal action.

Q4: Is it okay to record the calls?

A: Check your state’s laws. In some states, only one-party consent is needed; in others, both parties must consent.

Q5: Will suing affect my credit?

A: No. Suing a debt collector does not impact your credit score and may help clean up wrongful entries.

Final Thoughts: You Deserve Relief from Monarch Recovery Harassment

Monarch Recovery Management may try to make you feel like you’re out of options—but the truth is, you have power.

With federal laws on your side and experienced legal professionals ready to help, you can put an end to the stress, restore your peace of mind, and even hold the company accountable for what they’ve done.

If you’ve been subjected to Monarch Recovery Management phone harassment, don’t wait.
Start documenting, send your letters, and consult a consumer rights attorney today.