Stop Coast Professional, Inc Debt Harassment

Debt collectors like Coast Professional cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Coast Professional violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Coast Professional?

Coast Professional is a third-party debt collection agency headquartered in Geneseo, New York. Founded in 1976, this agency focused primarily on educational debt collection and has been accredited by the Better Business Bureau (BBB) since 2018.

Coast Professional’s Address, Phone Number, and Contact Information

Coast Professional is headquartered at 4273 Volunteer Road, Geneseo, NY 14454. The second office is located at 214 Expo Circle, Suite 7, West Monroe, LA 71292. The toll-free telephone number is 800-231-0225 and the direct number is 318-807-4500. The main website is www.coastprofessional.com/

Phone Numbers Used by Coast Professional

Like many debt collection agencies, Coast Professional may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Coast Professional may be calling you from:

Coast Professional Lawsuits

If you want to know just how unhappy consumers are with Coast Professional, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display over 120 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Coast Professional Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Coast Professional is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Coast Professional violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Coast Professional took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Coast Professional, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Coast Professional continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and a potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Coast Professional is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide their citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Coast Professional’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Coast Professional violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.

What if Coast Professional is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If Coast Professional is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Coast Professional

Here are some of the Better Business Bureau (BBB) reviews and complaints against Coast Professional:

  1. Faxed paperwork to them in early July 2018 to keep my taxes from being taken for the 2019 tax year, the forms were not put into the system until February 13th 2019 causing my federal return to be applied to my student loans, even though I was already on payment arrangements and had completed the requirements for the loan rehabilitation program.”

  2. I contacted Coast Professionals to settle a debt for an old student loan. Upon asking about setting up payment arrangements they started asking personal questions that I did not want to answer. I literally had to argue with the agent to remove my cell from their records as I did not want them to contact that number. They told me I had to answer all of their questions to make a payment.”

  3. They're trying to garnish my wages for an account that's not mine. I reported to them as well as the school and credit companies about this fraud when I first noticed it. And they still are proceeding to take my money every week. I have already been taking the steps needed to correct this but when I called to speak with someone the lady basically told me it’s still going to happen.”

Cases We’ve Handled Against Coast Professional

I think you’ll agree when we say that threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here is one case we’ve handled against Coast Professional:

  1. Kayla W. v. Coast Professional - In March 2014, Kayla of Dallas County, Texas, filed a claim against Coast Professional for violations of the Fair Debt Collection Practices Act (FDCPA) and Texas Debt Collection Act (TDCA). Complaints consisted of unlawfully disclosing debt information to someone other than the plaintiff and threatening to garnish the plaintiff’s wages.

What Our Clients Say About Us

Agruss Law Firm has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Coast Professional Sue Me?

Although anyone can sue anyone for any reason, we have not seen Coast Professional sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Coast Professional has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.

Can Coast Professional Garnish my Wages?

No, unless they have a judgment. If Coast Professional has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Coast Professional has threatened to garnish your wages, contact our office right away.

Coast Professional Settlement

If you want to settle a debt with Coast Professional, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Coast Professional remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from Coast Professional for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Coast Professional, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said to stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

  2. What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.

  3. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

  4. What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.

  6. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide their citizens an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.

  7. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

  8. What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/

Share your Complaints against Coast Professional Below

We encourage you to post your complaints about Coast Professional. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Coast Professional over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

Phone Numbers Used By Coast Professional

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Submitted Comments

I went to Sandford Brown for Medical Billing and Coding.I graduated but didn't get a job in that field. Went through years of joblessness but when did obtain a job . My paycheck garnished and my tax refund kept. I still don't know what left I truly owe. When I call they say I'm paying finance and other fees. My loan was approximate $10,000. That school made promises never delivered. The school is closed because financial mishandling. I want this nightmare over. If I owe I need to have shown what I've paid. I've paid close to that garnishment and taxes kept.

Michael Agruss Headshot

Hi Deborah. It's unfortunate that schools like Sanford Brown were able to bilk so many well-intentioned students out of their hard-earned money. So many students who attended Sanford Brown and other schools like it are left searching for loan forgiveness and the going has been slow for these students to get relief. Let's chat more about your particular situation and see what we can do to get it resolved. Give me a call at my office and I will also reach out to you. Thanks, Mike

I have been targeted by Coast Professional. They called me for the first time only a few minutes ago (I didn't answer), but a Google search quickly revealed Coast's reputation for student loan related harassment. I want to protect myself from the drama.

They keep calling my cell phone number. I will hang up on them and they will call right back!

They are harassing me non stop. Plus charging me over $30,000 for a $6000 loan that has already been paid. They are refusing to put my financial aid in good standing so I cannot complete grad school.

I was researching Coast professional as they are saying my husband owes them student loan debt plus interest plus cost and fees. They claim they are collecting for the Dept of Educaito. They represent themselves as the Dept of Educaiton. I am trying to get info to go after them. I'm sure t=what they are doing is illegal. the interst is 25% and then the cost and fees are another 25%. We received a letter form Coast profeassional stating they are collecting student loan debt for the Dept of Education, their address includes "Dept of Education". Whether he owes student loan money or not, he never had any contract with Coast Professional and therefore does not owe them anything. They are alleging he does, I am researching the organziation so see what violations they have commited in the past!

I had an encounter with Coast Professional today. I wrote it all out. But in summary, they called from a blocked number pretending to be a law firm stating that a claim would be filed against me. They said I had committed fraud for a defaulted payday loan. I am in the process of filing bankruptcy. I informed her of this. Should I just drop in what I wrote up? March 20, 2014. Entered at 5:04 pm. Over the last week, I’ve received several messages on my cell phone, County of Santa Barbara (COSB) – Survey, COSB – Public Works Main Line, and COSB – My direct work line, from a blocked number. The message was from a woman who identified herself as Pay E. Young (interesting that phonetically it sounds like “paying” and that it was meant to sound like an attorney), and she stated that a claim has been filed against me, and that I had the right to contact the claimant before they file papers with the Santa Barbara Superior Court. I knew this wasn’t truthful, but I called because they kept calling my job aggressively, and I wanted it to stop. So I called and immediately the woman (who sounded a lot like Pay E. Young, identified herself as Cecil) who answers states that they’re going to file fraud charges. I told her that I did not commit fraud. She said that I wrote a check to a payday loan that came back with insufficient funds. She said that Advance America was NOT pursuing that debt, but rather going after me to press charges for fraud because of the “worthless” check I wrote. Of course, this scared as it was intended to scare me. I told her that I am in the process of filing bankruptcy. That I had been ill for some time. She said, “Let me taklk with the attorney to see what we can do for you.” She puts me on hold for a few seconds and then comes back stating that they will settle for $340. Of course, this sounds better than possibly going to jail. I told her that I don’t have that because I didn’t. I set up a payment plan. I told her that I’d be taking from my rent money, but I felt relieved with the threat of court being removed. Of course, since I wasn’t under duress, I started to think a little more clearly. I then told her that I would inquire if what they are doing is truthful and legal, and that if I found out they were lying, I would fight back. She tells me I am being recorded. She pressures me again to make this deal with her, stating that this was their one and only chance that they will work with me and that they will take me to court and file fraud charges, She made sure to say “fraud” several times. Then she said, “come one, come clean, you intended commit fraud.” I said no. This was repeated several times. And finally she reminded that this was their one and only chance that they will work with me and that they will take me to court and file fraud charges. So I relented and gave her my card information. And she stated, “you are okay with us proceeding with payment plan?” I said, “Yes.” I heard a click and the phone sounded hollow. (I don’t know if this was intended to sound like she started recording of she really had started recording. Note that when I was informing of my situation, she claimed to be recording me. At no time when the call began was I informed that my call was being recorded. Once I got off the phone with her, I looked up the information she gave me and she was in fact, misrepresenting the truth. I called back and informed her that the revoke any authorization to charge my card. (I will replace the card to be sure.) She then stated that they will file the fraud charges and that they will take me to court. I told her I’d see her in court then, and hung up!

I just started receiving these calls at work. coast professionals just got my case back in October and never has contacted me before. I just received a statement from my student loan co stating how much I owe and what is past due. Not sure what is going on

Michael Agruss Headshot

Hi Jill. Please consider sending the letter you've received to my office at [email protected] and I will look it over then give you a call. Thanks, Mike

My student loan account has been sent to Coast, I have 4 loans that I got when I attended Moraine Valley Community College earning an associates degree that were before those sent to Coast that are allowed to be in forbearance with Navient. The loans sent to collections are incorrect and I have disputed the amounts since I was injured while attending Governors State University, receiving a concussion because the chair broke and I hit my head on the concrete wall while in class. This was in late 2011and I have been having seizures since then and now have a brain tumor that I am receiving care for. These loans should have been allowed to be put in forbearance as the loans that were received before them but because I have told them that I dispute the amounts they were sent to collections. The Principal Balance of $62,342.50, the Interest of $12,773.59, with fees and cost of $18,398.98, making the current Balance $93,398.98. I have asked my Doctor at Hines V.A. Hospital to sign my disability paperwork, but refuses. I am going to try at Social Security, I have an appt. Oct 15th. I am also thinking of filing for Bankruptcy in Federal court but, I don't want to waste $400.00 if it won't qualify. The total of these loans should not be more than $46,000.00, I really would appreciate it if you could help me with my loans, Acct. # 1021277754. Thank You, Sincerely, Michael Hawkins

Michael Agruss Headshot

Hi Michael. I'm sorry to hear that you suffered such a devastating head injury and now have further issues with the brain tumor. I'm sure that dealing with Coast Professional INC isn't helping in your health journey. I would be happy to speak with you about this further and I will reach out to you. If you need my assistance sooner, please call at your earliest convenience. Thanks, Mike

Coast has sent numerous faxes to my place of employment for employment verification. However, the faxes go out to all employees and they can see what comes in over the fax and this fax has my social security number on it- so now everyone in my place of employment has my social security number. This is a school loan debt, and I have called and offered to pay what I could but they wanted to see my taxes so they could decide what I would pay. I am very upset my social security number is out there for anyone now. Please advise- also this is from 1999.

Claiming I owe money on something that I don't.

Coast has begun calling me but not leaving messages nor letting my phone ring long enough to pick it up. I have been out of work since i quit school. the loan they are now trying to collect after 2 years. i finally got a part time job 6 months ago and i just started working full time last month. and i owe the IRS 5 grand - which i just started making payments last month. so as i begin to get back on my feet, it seems i may once again be stripped of any gain towards recovering if this company does some garnishment without my knowledge. i never agreed with this debt. the school (ITT Tech) back dated my dropout date nearly an extra month and various companies have been attempting to collect while i lived with relatives, trying to save money to buy a beat up vehicle just so i could go to work, when i finally found a job... i am afraid this debt was going to haunt me, but as i struggled and had nothing, i didnt actually care about this one since the school added more money to the debt and kept hounding me over the last 2 years. bottom line: i dont feel the debt is a fair amount and i owe the IRS a substantial amount due to a bancruptcy (SP) a few years back. i am making good on my IRS obligation now that i am working but i dont want this seedy collection company to come and slam dunk my bank account suddenly. i receive a meager amount of disability from the VA and i am certain they can not touch this as the IRS returned that money when they did a sudden bank snatch THEN found out i was unemployed and my disability was all i received. as i was also using food stamps at the time, perhaps they pitied me but i honestly do not know.

Hi Katrina and Max, I'm sorry to hear about your financial situation. Is the debt that's subject to the garnishment a federal student loan? If so, there are ways to get back on a payment plan and stop the garnishment. If the underlying debt is from something else, such as a private student loan, a credit card, etc., then you should have received ample notice prior to the garnishment. Let's discuss what happened on the phone. I'll then be able to tell you what your options are and what rights you have under various laws. Thanks, Mike.

Katrina is the sole "bread winner" for our family including Max (husband) and our 4 children. We lost our home due to foreclosure in 2010 and we have been struggling ever since. Katrina was just hit with a wage garnishment order without warning or any type of due process from Coast Professional, Inc. The company has refused to allow for any type of dispute resolution and according to a report by the National Consumer Law Center, CP simply does not have any dispute resolution process, in violation of Federal law. If this garnishment continues, we are simply going to be rendered homeless. Please help!