Progressive Financial Services is a debt collection agency based in 1995. They collect bankcard, telecommunications, educational, and student loan debt, with a particular focus on student loan debt. In actuality, they are among the 22 private collection agencies that deal with the U.S. Department of Education to collect on defaulted federal student loans.
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Progressive Financial Services is a legitimate collection agency. It provides third-party collection services in addition to first party collection services, and uses the tagline, “Mediation, not confrontation.” The business also belongs to the Debt Buyers Association, which probably means that they buy portfolios of charged-off debt and then try to collect on that “noncollectable” debt.
As of April 2017, the Better Business Bureau reported 58 closed Progressive Financial Services complaints over the previous few decades, including 21 closed complaints over the past 12 months. The BBB provides PFS an A+ rating. Additionally, Justia lists six complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 41 closed complaints for 2016.
Progressive Financial Services, Inc.
1919 W Fairmont Drive, Suite 8
Tempe, AZ 85282
Phone Number: 866-484-0204
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely PFS 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 are is a Sample Case Filed in Federal Court.
In 2014, the U.S. Court of Appeals reversed a lower court’s decision in Payne v. Progressive Financial Services. The district court had dismissed the consumer’s allegations that Progressive Financial Services had violated the Fair Debt Collection Practices Act she didn’t accept the collection agency’s offer of judgment. The district court had dismissed the customer’s allegations that Progressive Financial Services had violated the Fair Debt Collection Practices Act she did not accept the collection agency’s offer of judgment. The customer alleged that the debt collection agency made harassing phone calls, called at inconvenient times, and did not correctly identify itself as a debt collector. The debt collection agency served the customer with an offer of judgment for $1,000 plus lawyer fees that said the offer would expire after 14 days. She didn’t react to the deal, so Progressive Financial Services filed to dismiss the lawsuit. The district court found that the customer’s claims were moot because she did not accept the offer of judgment.
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a collection agency.
You may be getting calls from:
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 recieving 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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Odds are good that we can help. Contact us now and we’ll clarify.
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