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Professional Credit Service or PCS is a debt collection agency which was founded in 1933 in Layne County, Oregon. It employs over 250 people and collects health care, government, utilities, and financial solutions debt. PCS can also be a debt buyer, which means they buy debt that’s been worked over by collection departments and other collection agencies, and then track down customers and try to make them pay.
Professional Credit Service is a legitimate collection agency with an extensive history of harassing consumers over debt. It uses a variety of skip tracing techniques, together with data analytics, behavioral science, and data from data vendors. This permits the debt collector to discover consumers and determine if a person has the ability to cover. So as to prod consumers into paying, PCS reports debt to credit bureaus and has been know to threaten to sue consumers.
As of April 2017, the Better Business Bureau reported 66 closed Professional Credit Service complaints over the previous few decades, including 21 closed complaints over the past 12 months. The BBB provides Professional Credit Service an A+ rating. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 48 closed complaints for 2016.
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely PCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here is a Sample Case Filed in Federal Court
In 2015, a judge in U.S. District Court, District of Oregon, denied Professional Credit Service’s motion to dismiss McCurdy v. Professional Credit Service for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the customer alleged that the debt collection agency sent her a letter which violated the FDCPA. While caselaw suggests that a consumer can dispute a debt orally, the letter delivered by PCS stated, “If you dispute any accounts referenced in this letter, please send all information concerning the dispute to P.O. Box 70127, Springfield, OR 97475.” The customer contended that the letter violated a prohibition against participating in collection activities throughout the 30-day interval during which a customer can dispute a debt, which prohibits false, deceptive, or misleading representations made in an effort to collect a debt. The judge refused the debt collection agency’s movement, and allowed the case to proceed.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
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