Professional Recovery Consultants or PRC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Professional Recovery Consultants – PRC?
Professional Recovery Consultants , Inc. (PRC) is a third-party collection agency based in North Carolina. PRC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as attempting to collect debts not owed and threatening to take actions that cannot legally be taken. If PRC has contacted you about past due collection items,make sure you understand your rights before you respond.
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Is Professional Recovery Consultants a scam?
They’re legit. According to the Better Business Bureau (BBB), Professional Recovery Consultants, Inc. was founded and incorporated in 1979. The BBB established a profile page for PRC in 1988. The BBB lists PRC as a collection agency with an estimated 100 employees and uses the alternate business name, G.S. Miller & Associates. Buzzfile also estimates size of PRC’s headquarters staff at 100 employees, with its annual revenue estimated at $12.5 million.
According to its website,PRC “has…grown to become the region’s premier provider of fast, efficient, and hassle-free debt recovery and accounts receivable services. This growth has been a direct result of PRC’s concentration on client service, while remaining on the cutting edge of new technology and collection technique development.”
PRC collects delinquent debts for a variety of businesses and industries, including medical and healthcare service providers; banks, credit unions, and financial services companies; consumer retail lenders; government agencies; utility service providers; education lenders; and commercial business-to-business accounts.
As a full-service collection agency, PRC offers a wide range of services, including primary, secondary, and tertiary bad debt collections; payment plan monitoring services; letter campaigns; courtesy call campaigns; skip tracing programs; clean-up programs; credit bureau reporting; trigger reporting through the credit bureaus; settlement campaigns; and pre-service calls. In addition, PRC’s healthcare division offers early-out, self-pay collections for true self pay accounts and BAI accounts; insurance verification services; insurance follow-up programs; patient satisfaction surveys; and patient financing. PRC’s education division also offers service for tuition; institutional loans; and book store and room and board fees.
PRC cites compliance with Professional Practices Management System (PPMS). PPMS certification is “based on compliance through implementing and adhering to the industry’s highest level of professional practices and policies.” PRC states that its “collectors must utilize non-alienating communication techniques to achieve payment.” The PRC resources page includes links to the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). However, there is no detailed information about consumer protection laws such as the FDCPA.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against Professional Recovery Consultants?
As of April 2019, the BBB has closed 11 complaints against Professional Recovery Consultants in the past 3 years, with 2 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections.Since July 2015, the Consumer Financial Protection Bureau (CFPB) has closed 12 complaints involving PRC. Justia lists at least 4 cases of civil litigation involving PRC.
Professional Recovery Consultants, Inc.
2700 Meridian Parkway, Suite 200
Durham, NC 27713
Can Professional Recovery Consultants Sue Me or Garnish My Wages?
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely PRC 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Professional Recovery Consultants?
Absolutely. Here are some sample complaints.
Complaints against Professional Recovery Consultants cite problems resulting from disputes about the validity of debts and allegations of harassment. In November 2017, a complainant stated that PRC had contacted him repeatedly for delinquent medical bills he claimed not to owe. According to the complainant, PRC had called him several times but refused to identify themselves or the purpose of their call. He stated that the “calls are harassing and come from a machine and not a real person.” He indicated that PRC had left automated messages for him that “say something like, ‘Is this complainant’s name? If this is complainant press 1. This call is being recorded,’ etc.” The complainant stated that he had been “right by the phone when the call came in… around 9 am. However, PRC also called the previous night at 9 pm when he was getting ready for bed.” When he returned the call, he was allegedly “patched in to talk to a live person…who identified as being with PRC.” When the complainant “asked about the nature of the call, the PRC representative wouldn’t tell him.” The complainant was recovering from knee surgery and was “involved with several health providers,” so he asked if the call had to do with healthcare, but the PRC representative did not answer. The complainant was “getting annoyed with the guessing game, so he asked for the nature of the call.” Allegedly, the PRC representative“said ‘personal’ and referred him to the” website. When the complainant discovered that PRC is a debt collection agency, he “called his providers and found out that he didn’t owe any money.” The complainant expressed his concern that PRC had his social security number and “was ticked off by their ambivalence…and that he wasted 2 hours trying to figure this out.”
In July 2016, a complainant alleged that Professional Recovery Consultants was attempting to collect a “false debt” and was “causing undue stress and using unlawful collection tactics.” According to the complainant, he had “received a letter stating that he owed back taxes from a job he worked at many, many years ago” at which the employer “did not take enough money from his… check for… state taxes.” Allegedly, PRC claimed that he now owed a large sum. However, the complainant stated that “this has not been validated and that he never received anything from anyone else and had never been contacted before.” He also stated that he had “paid almost $1,000.00 to them and had been threatened by them.” The complainant was 71 years old and had been “diagnosed with heart issues brought on by this” collection effort. He requested “validation of this debt in writing and…a cease and desist on all verbal communication.” He acknowledged that he “should have questioned this from the start, but he was extremely scared.” He also restated his belief that the collection effort was fraudulent, and that he had found “no record with the…State Department of Revenue.” He requested that PRC send “all of his money back in certified funds,” and demanded “a written apology for the way he had been treated.” He “also wants something done so this company will stop doing this to senior citizens,” citing multiple similar complaints from others like him.
Professional Recovery Consultants Calling You?
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.
Want to Stop Debt Collection Harassment Now?
You may have a case, if…
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, a 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
“We were so impressed with how the attorney listened to us and understood the position we were in. Thank you for stopping the calls. The check was a nice bonus, but mostly we’re glad we’re not being hounded anymore.”
“Lemberg Law contacted me within a couple of hours of me submitting my info on their site. That same day Daniel emailed me instructions on what to do the next time the collection agency called. Within a week, the calls had stopped. Today marks week 2 and we’ve not had a call in three days. I can’t say thank you enough.”
“I can’t praise your service enough. I was lost and just really wanted my credit report cleaned up. You have gone beyond my expectations. Thanks again!”
Can You Help Me Delete Professional Recovery Consultants from My Credit Report?
There is a good chance we can. Contact us to find out more.
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