Windham Professionals , Inc. is a third-party collection agency and Accounts Receivable Management (ARM) company based Salem, NH. This collection agency has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to provide verification of debts and attempting to collect debts not owed. If WP has contacted you regarding past due financial obligations, understand your rights before taking action.
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According to the Better Business Bureau (BBB), Windham Professionals, Inc. is a legitimate collection agency, founded and incorporated in Massachusetts in 1982. The BBB opened its file 10 years later in December 1992. Headquartered in Salem, NH, Windham also has locations in Boston, MA; Charlotte, NC; Chicago, IL; Portland, OR; Ramsey, MN; St. Louis, MO; Briggsdale, CO; Cincinnati, OH; Severna Park, MD; and Washington, MO. Buzzfile estimates Windham’s annual revenue at $50 million.
According to its website, Windham “is a financial recovery solutions provider that uses custom-built programs to enhance your current financial processes, collect your accounts receivable, retain your customers, and convert sales to cash.” Their website also advertises office locations in Hendersonville, TN; Las Vegas, NV; and East Aurora, NY, and a staff of over 850 people.
This collection agency also offers Accounts Receivable Management (ARM) services, including third-party collections; customer care and retention; analytics; and compliance services in six major areas of commerce. Their commercial collections division focuses on business-to-business accounts receivable. Their government division offers skip tracing, collections, and additional service options for local, state, and federal agencies. WP’s healthcare, higher education, and insurance divisions offer similar services for the consumer accounts of healthcare providers, education lenders, and insurance companies. Finally, Windham also accepts ARM requests from retail, transportation, and telecommunication companies.
In the past three years, the BBB has closed 63 complaints against Windham Professionals, with 13 closed in the past twelve months. Most of those complaints alleged problems with billing and collections with several more alleging problems with advertising and sales or customer service. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 58 complaints. Justia lists at least 15 cases of civil litigation naming WP as a defendant.
Windham Professionals, Inc.
380 Main Street
Salem, NH 03079
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely WPI 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 some Sample Cases against WPI
In November 2010, in United States District Court for the District of Arizona, a judge issued an Order in the matter of a complaint filed against Windham Professionals for violations of the Fair Debt Collections Practices Act (FDCPA). The initial complaint was filed several months earlier and alleged that Windham collection agents had violated the FDCPA’s provisions against taking action that could not be legally taken, or threatening to take action that was not actually intended, when they threatened to garnish the plaintiff’s wages. In addition, although the plaintiff had notified WPI that she could not receive calls at work, Windham Professionals representatives continued to call her there, which is also a violation of the FDCPA. In July 2010, the plaintiff accepted an offer of judgment in the amount of $1,001.00, the maximum statutory amount. The judgement stated in part:
“Plaintiff’s costs and reasonable attorney’s fees now accrued are to be added to the judgment as against Windham Professionals; said fees and costs shall be as are agreed to between counsel for the parties, or if they are unable to agree, as determined by the Court upon motion.”
The November hearing was designed to determine the amount of attorney fees and court costs to be awarded to the plaintiff. The plaintiff requested $3,764.00, plus an additional $418.00 in post-hearing court costs and $400 in fees. WP representatives objected that some of the attorney fees were incurred after the judgment was issued; that some of the fees were clerical in nature and therefore not recoverable; that the plaintiff cannot request fees from an attorney licensed in Arizona; and that the plaintiff’s calculation of hours spent was excessive. Ultimately, the judge granted WPI’s objections regarding post-judgement fees, the clerical fees, and the calculation of hours. The court dismissed Windham Professionals objection that the attorney licensed in Arizona was disqualified, and granted the plaintiff the costs of attorney fees, lessened by 10%, for a total of $2,557.82 plus the additional $400 in costs originally awarded.
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 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.
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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.
What Our Clients are Saying
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
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