ProCollect Inc or PCI 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 ProCollect?
Procollect Inc or PCI was founded in 1995 and is based in Dallas, Texas. Also doing business as PCI, Procollect has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper conduct or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by ProCollect, make sure you understand your rights before responding.
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Is ProCollect a scam?
They’re legit. According to the Better Business Bureau (BBB), ProCollect is a legitimate collection agency. They have a lawyer on staff that specializes in collection law, indicating that they are in a position to sue customers. The debt collection agency conducts skip tracing, meaning that they cover access to nationwide databases which enable them to locate a current telephone number or address, or both, for a customer whose contact information has changed. Furthermore, the company reports every account that’s charged off as bad debt to all three national credit agencies. Buzzfile indicates their annual revenue at $3.1 million and a staff of 25 employees at their headquarters.
Who does Procollect collect for?
Procollect is a debt collection agency focused on collecting rents from residents and former residents of multi-family possessions, health care debt, outstanding utility accounts, and commercial debt. Like most debt collection agencies, ProCollect functions on a commission basis, which means they get a percentage of everything they could accumulate.
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 ProCollect?
As of May 2017, the Better Business Bureau reported 278 complaints against Procollect over the past three years, and Justia recorded nine lawsuits against ProCollect from the past year alleging violations of the Fair Debt Collection Practices Act. In addition to that, the Consumer Financial Protection Bureau (CFPB) recorded 154 closed PCI complaints for 2016.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely PCI 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!
Here Are Some Lawsuits Brought On By Lemberg Law Against PCI
March 13, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Northern District of Texas. The case, against ProCollect, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act plus other relief.
No matter what a person’s age, they don’t want their parents involved in their financial life. That can invite unwanted questions and it can be embarrassing. Our client says that ProCollect started calling his parents’ phone number in an attempt to collect a debt, even though he never provided his parents’ phone number to ProCollect or to the creditor. He says that PCI left voicemail messages on his parents’ answering machine, saying that ProCollect was trying to collect a debt from our client.
This lawsuit charges that ProCollect violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by communicating with a third party about an alleged debt; and by using unfair and unconscionable means to collect a debt.
March 2, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Northern District of Texas. The case, against ProCollect, charges the company with violating federal law. It asks for $500 to $1,500 per call in Telephone Consumer Protection Act statutory damages, $1,000 in Fair Debt Collection Practices Act (FDCPA) statutory damages, plus other relief.
Debt collection calls can be scary. They can be intimidating. Above all, they can be irritating. That is especially the case when you are not the person who owes the debt. Our client says that ProCollect started calling her cell phone in an attempt to collect a debt from a person with the same name. Our client is not the person who owes a debt, and doesn’t even know the person who owes the debt. When she answered the phone call from PCI, our client heard silence, Followed by an automated click before the call was transferred to a ProCollect debt collector. The silence and the click we’re how she knew it was a robocall. Our client doesn’t know how ProCollect got her cell phone number. She certainly did not give it to them. She suspects ProCollect got it from a skip tracing service. Even though our client called ProCollect and told them that they were calling the wrong person, they continue to robocall her cell phone.
The lawsuit charges that ProCollect violated the Telephone Consumer Protection Act (TCPA) by robocalling our client’s cell phone without her consent. The lawsuit also charges that ProCollect violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt.
ProCollect Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (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).
Can I sue ProCollect for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
“I didn’t know there was a group of professionals who were willing to go above and beyond to ensure their clients get justice. You helped stopped the notorious payday loans staff from calling me every now and then. I highly recommend your services to anyone”
“It’s never too late to say a BIG thank you. It’s a month since you assisted me in stopping the numerous telemarketing calls from a company I signed up for their services a few months ago. My interaction with your staff was a great experience.”
“I received a scary call from a group saying that my credit card has been flagged for fraud. They threatened me that I needed to pay off $1,500 or end up incurring heavily in attorney fees, fines or worse a bail. I knew this is likely to be a scam and I contacted Lemberg Law who responded immediately and took over the case. I really appreciate the efforts of the entire legal team for putting an end to what seemed to be a mountain to me.”If a debt collection agency has violated the FDCPA, you’ve got rights. Many consumers have successfully sued debt collection agencies in federal court. When they do, they could be given up to $1,000 dollars in statutory damages for violations of the FDCPA. Since the law also has what’s known as a fee shifting provision, the violating debt collector must cover the customer’s court costs and legal fees.
Can You Help Me Delete ProCollect from My Credit Report?
The brief answer is probably yes. And won’t charge you a cent for a consultation or our aid.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.