It isn’t uncommon for people to find themselves in financial trouble due to an emergency. You may experience difficulty keeping up with your living expenses when this happens. If you’re struggling to pay your bills and a debt collection agency like Professional Finance Company uses unethical or illegal methods to collect the debt, you may need to take action to stop the harassment.
The best thing you can do if you find yourself in this situation is contact a debt collection lawyer. An attorney from Agruss Law Firm can ensure that the Professional Finance Company follows state and federal laws so you don’t have to deal with oppressive tactics.
What is Professional Finance Company Inc (PFC)?
Professional Finance Company (PFC/USA) is a medium-sized service provider in the collection industry. The company manages debt on behalf of companies and organizations. They also offer litigation services and self-pay outsourcing.
Professional Finance Company’s clients include entities from retail, healthcare, credit card companies, and United States government industries.
What is Professional Financial Company’s Better Business Bureau Rating?
The Better Business Bureau (BBB) has listed Professional Finance Services as an accredited company since 1984. The company falls under the collections agencies category, and the BBB reports its headquarters address as 5754 W 11th St Ste 100, Greeley, Colorado. Professional Finance Services has a 1.1 out of 5-star rating and has multiple reviews from consumers and 27 complaints.
Several consumer reviews state that Professional Finance Company harassed them about a debt they did not owe and charged them interest on old debt. In the complaints section, the company responds to consumers who have issues, such as collection on a medical bill.
What Counts as Debt Collection Harassment?
Receiving approval in 1977, the Fair Debt Collection Practices Act (FDCPA) prevents a debt collection company from acting in ways that are oppressive and harassing. The FDCPA protections apply to debt collection agencies and their lawyers, but not the original lender.
The legislation prohibits debt collectors from making repeated harassing calls. For example, the law states that debt collectors must call at a reasonable time between 8 a.m. and 9 p.m.
Professional Finance Services and other debt collection agencies may not contact others about your debt, including friends, family, employers, or neighbors. They can contact the people in your environment to get your contact information to reach you; however, they cannot mention your debt or that they are from a debt collection agency.
Debt collection agencies cannot make false statements regarding your debt to mislead you, nor can they contact you at work. They are also prohibited from removing your belongings without permission.
When acquiring your debt, credit collection agencies can report collections accounts to credit bureaus. However, it’s up to the debt collector whether or not they will contact credit reporting agencies. If they choose to report your debt, it can damage your credit score and affect your credit report for seven years.
What Should I Do if Professional Finance Company Contacts Me?
If you believe Professional Finance Company is contacting you about inaccurate debt, you have 30 days from the collection agency’s first contact to dispute it in writing. You can also request a goodwill adjustment or a debt validation with the help of a consumer rights attorney.
If you’ve already paid off the debt and want it removed, ask for a goodwill adjustment or deletion from the debt collection agency. Your consumer rights protection lawyer from Agruss Law Firm can help you draft a letter stating your reason for becoming delinquent on an account and ask them to remove it from your file after you’ve paid it off. This step can clear the debt from your credit history and improve your credit score.
You can also work with a lawyer at our law firm to ask the credit agency for debt validation. A debt validation request is permitted by the FDCPA and requires the agency to verify their data regarding your debt to ensure they have the correct information. If they find an error, you may have your debt deleted due to a technicality.
Your lawyer can help you ask for a debt validation regarding your account number, balance, open or close dates, payment status, or any other potentially inaccurate information.
Protect Yourself Against Debt Collector Harassment With Agruss Law Firm
At Agruss Law Firm, we believe consumers should be treated with dignity and respect by creditors. If a debt collection agency like Professional Finance Company is badgering you about an outstanding debt, call our consumer protection attorneys as soon as possible. We can protect you from abuse from debt collectors and pursue legal action if the company is violating your federally protected rights.
Schedule a confidential, free consultation today if you need help dealing with Professional Finance Company. Let us assist you in stopping collections harassment and getting on the road to credit repair.
Whether or not you owe the debt, we will find out who is calling and stop the calls and review your credit report at no cost to you. We handle consumer rights cases based on a shift-fee provision, meaning the other side pays your fees and costs, so you never pay us a dime.