Professional Credit Service or PCS is a third-party debt collection agency based in the state of Washington. PCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before responding.
The harassing company pays our fees.
They’re legit. Professional Credit Service is a legitimate collection agency with an extensive history of harassing consumers over debt. It uses a variety of skip tracing techniques, together with data analytics, behavioral science, and data from data vendors. This permits the debt collector to discover consumers and determine if a person has the ability to cover. So as to prod consumers into paying, PCS reports debt to credit bureaus and has been know to threaten to sue consumers.
Professional Credit Service employs over 250 people and collects health care, government, utilities, and financial solutions debt. PCS can also be a debt buyer, which means they buy debt that’s been worked over by collection departments and other collection agencies, and then track down customers and try to make them pay.
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.
As of April 2017, the Better Business Bureau reported 66 closed Professional Credit Service complaints over the previous few decades, including 21 closed complaints over the past 12 months. The BBB provides Professional Credit Service an A+ rating. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 48 closed complaints for 2016.
Professional Credit Service
12204 SE Mill Plain Blvd.
Vancouver, Washington 98684
Website: http://www.professionalcredit.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely PCS 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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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Filed in Federal Court
In 2015, a judge in U.S. District Court, District of Oregon, denied Professional Credit Service’s motion to dismiss McCurdy vs. Professional Credit Service for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the customer alleged that the debt collection agency sent her a letter which violated the FDCPA. While caselaw suggests that a consumer can dispute a debt orally, the letter delivered by PCS stated, “If you dispute any accounts referenced in this letter, please send all information concerning the dispute to P.O. Box 70127, Springfield, OR 97475.” The customer contended that the letter violated a prohibition against participating in collection activities throughout the 30-day interval during which a customer can dispute a debt, which prohibits false, deceptive, or misleading representations made in an effort to collect a debt. The judge refused the debt collection agency’s movement, and allowed the case to proceed.
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).
Consumers have reported this agency harassing them from the following numbers:
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.
You may have a case, if…
“I want to thank you and your team for all of the help you have provided to me. Honestly, you have a excellent staff who has dealt professionally and been very empathetic at one time in my life once I hit a speed bump.”
“When I first contacted Lemberg Law, I was at my wit’s end, not knowing what to do or how to protect myself against the collection agencies. I felt like I was sinking. After sending in my case test, Lemberg Law quickly threw me a lifeline and turned the tide.”
“THANK YOU SO VERY VERY MUCH for everything you guys did for us…. This was our first time dealing with a situation such as this and you guys made it so straightforward. Thank you!”
Odds are good that we can help. Contact us now and we’ll clarify.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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I just found out this company successfully placed a lien against me by looking up the property address of the house I purchased in 2018. What’s odd is I have no idea what the original debt was.. back when I was in my younger 20s I was really bad with paying my bills and credit cards, along with medical bills so I can only assume the debt is from at least a decade ago. I was never notified of a court date yet when I searched the lien number in the section where it mentions if I was notified it says “personal.’ They are liars. If I knew of any court date I would have been there. This company is definitely falsifying evidence or lying under oath and who knows what else they’re doing that’s against the law. When I scrolled to the bottom of the court lien page it shows something about $55. Maybe the initial debt was $55, again I have no idea but the lien put against me is almost for 2k. I’m going to have to figure out how to deal with this now and I’d really like to use the crap out of this company for their illegal and unethical business practices
they have put collection report to credit report from samaritan ho. as i have never past texas and never been to west coast I want to sue their pants off
This company, who I have never contacted or answered calls, because I have no official knowledge or relationship with, continuously calls and sometimes leaves messages. Professional Credit Service claim I owe a debt that I know went into default, during a 1 year period of no employment and with-held disability insurance, due to what was to become diagnosed as Parkinsons disease.
These defaulted debts were dropped, leaving the penalty of derogatory records.
I became, and am now, SSDI on very little fixed income. The diagnosis by SSDI assigned doctors evaluations classifies my disability as permanent with no recovery possible.
Even if this company of scam artists picking up on derogatory defaulted accounts and rereporting them as active collections were legitimate, I still would have the true hardship of not being capable of paying.
They operate by practicing harassment, bullying, and deception.
I will not contact them, because their game to reactivate debts, is to have calls picked up or returned, so that they can pickup on any word or gesture that they can contrive as acknowledgement, in order to reactivate a collections debt, which for me has been settled, and I am living with the consequences of having lost any gainful way paying, due to a permanent incurable and progressive, medically diagnosed disease and medical condition.
I had a garnishment in the amount of $36337.11. My employer informed me last week that the garnishment has been satisfied with a bit of an over payment, $140.87. They called Professional Credit to get a letter to stop the garnishment but they say there is $8000, still owing in interest. Before I call Professional Credit, what are my rights? Can they still continue to garnish my wages for the interest? Is it reasonable for me to ask that they stop the garnishment and I can work something out with them for the interest payments? I just want to get some sense of what the law is before I call them. Thank you, Loretta