If you're getting calls from 508-428-3553, you may owe an unpaid debt.
508-428-3553 is registered to Ball & Boyd Public Adjusters Inc, and they are calling you to collect an unpaid debt. Here's everything you need to know: whether it's a scam, what your rights are, and how to stop calls from 508-428-3553.
Third-party debt collector
Take action
If Ball & Boyd Public Adjusters Inc is calling you from 508-428-3553 in an attempt to collect an unpaid debt, here are five steps you can take to stop the calls.
The most permanent way to stop calls from 508-428-3553 is to resolve the debt. You may be able to negotiate and settle debt for less than the full balance. SoloSettle help you make and negotiate settlement offers entirely online. Once a settlement is reached, collection activity stops for good.
See my settlement options →Within 30 days of first contact from 508-428-3553 regarding the collection of a debt, you have the right to request written proof that the debt is valid and that the amount is accurate. Once you submit a debt verification request, collectors must pause all collection activity — including calls — until they provide documentation. This also buys you time to review your options.
Under the Fair Debt Collection Practices Act (FDCPA), you can send debt collectors a written cease-and-desist letter demanding they stop all contact. Once received, they are legally required to stop calling — with two exceptions: they may contact you to confirm receipt, or to notify you of a specific legal action such as a lawsuit. Note that a cease-and-desist does not make the debt go away.
If Ball & Boyd Public Adjusters Inc has filed a lawsuit against you to collect an unpaid debt, responding with a legal answer is the single most important thing you can do. Ignoring a lawsuit results in a default judgment, which gives the collector the right to garnish your wages or freeze your bank accounts. SoloSuit helps you file a court-ready answer in minutes, and puts you in a stronger position to negotiate a settlement.
Respond to the lawsuit with SoloSuit →You have the right to instruct a debt collector to stop calling, even if the debt they are contacting you about is yours. Your goal is to get the collector to stop calling and contact you via written communication. Use this 11-word phrase to stop collection calls: "Please cease and desist all calls and contact with me, immediately.”
Solo helps you negotiate directly with collectors. No awkward phone calls. No lawyers needed.
Check for scams
If you keep getting calls from 508-428-3553, it could mean Ball & Boyd Public Adjusters Inc is trying to contact you about a real debt. Answer 5 quick questions about your call. We'll tell you if it's a scam and what to do next.
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How it works
Understanding the full process helps you make the right move at the right time.
⏱ Time matters
If Ball & Boyd Public Adjusters Inc has filed a lawsuit, you typically have 20–30 days to respond — depending on your state. Missing that window can result in an automatic judgment against you.
When a debt goes unpaid long enough, the original creditor (a bank, medical provider, or lender) either writes it off and sells the debt to a debt buyer, or assigns it to a third-party collection agency. The collector then has the legal right to collect on it.
Collection agencies typically start with phone calls and written notices. Under § 809 of the FDCPA, they are required to send you a written validation notice within 5 days of first contact. This notice must state the amount owed, the creditor's name, and your right to dispute.
From the date of the first written notice, you have 30 days to dispute the debt in writing. If you dispute it, the collector must stop collection activity until they provide debt validation. This is one of the most important rights consumers have, and most people don't use it.
If you don't respond, dispute, or settle, they may file a civil lawsuit in your state's court. This is when acting quickly matters most. Ignoring a lawsuit leads to a default judgment, which gives the collector the ability to garnish your wages or freeze your bank accounts.
Most collectors — including debt buyers — are willing to accept less than the full balance to close the account. Settlement can happen before a lawsuit is filed, after, or even after a judgment. SoloSettle lets you negotiate directly online, without speaking to a collector.
Know your rights
The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits what debt collectors can and cannot do. These rights apply to every consumer.
Collectors may not call you before 8am or after 9pm in your local time zone. If you receive a call outside those hours, it is a violation — regardless of when the collector is located. Source: 15 U.S.C. § 805 (a)(1)
Within 30 days of first contact, you can demand written proof of the debt — including the amount owed and the name of the original creditor. All collection activity must pause until verification is provided. Source: 15 U.S.C. § 809
A written cease-and-desist letter forces the collector to stop contacting you. After receiving it, they may only reach out to confirm receipt or notify you of a specific legal action — nothing else. Source: 15 U.S.C. §805 (c)
Collectors generally cannot discuss your debt with anyone other than you, your spouse, or your attorney. They may contact third parties only to locate you, but they cannot reveal that a debt is involved. Source: 15 U.S.C. § 805 (b)
Collectors cannot use obscene language, make threats they have no intention of carrying out, or call repeatedly with intent to annoy. Excessive or abusive communication is a federal violation. Source: 15 U.S.C. § 806
If you inform a collector that your employer prohibits such calls, they must immediately stop contacting you at work. This applies to both phone calls and any other form of workplace contact. Source: 15 U.S.C. § 805 (a)(3)
If any of these happened during your call with Ball & Boyd Public Adjusters Inc, it may be a violation worth documenting.
Called about a debt you don't recognize — collectors can only pursue debts that are actually yours or that have been properly assigned to them.
Called before 8am or after 9pm in your local time zone.
Did not disclose they were a debt collector — required by law on every call.
Threatened legal action they did not intend to take — such as threatening a lawsuit without intent to file one.
Continued calling after a written cease-and-desist request.
Discussed your debt with a third party — employer, family member, or neighbor.
If a lawsuit is filed
Being sued over a debt is stressful, but it's not the end. You have rights, you have options, and the single most important thing you can do is respond before the deadline.
Respond to the lawsuit with SoloSuit → Or settle the debt before it goes furtherA process server delivers court documents. The clock starts now — you typically have 20–30 days depending on your state.
SoloSuit generates a legally-formatted answer based on your situation, and helps you file it with the court. This officially puts you in the case and blocks a default judgment.
Most cases settle before they reach trial. Once you've filed an answer, you're in a much stronger negotiating position. SoloSettle lets you make offers directly, online.
Once a settlement is reached and payments are made, the case is dismissed and the debt is resolved. Your credit can begin recovering.
Answer a few questions about your case and SoloSuit generates a court-ready legal answer in minutes. SoloSuit files it for you. Used in all 50 states.
Start your answer →Many collectors accept a fraction of the original balance. SoloSettle lets you make and negotiate settlement offers entirely online — no calls with collectors required.
See my settlement options →State-by-state guidance
Debt collection laws and lawsuit response deadlines vary by state. Click your state to see exactly what applies to you.
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