Professional Credit Service also known as PCS 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.
Who is Professional Credit Service?
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.
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Is Professional Credit Service a scam?
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.
Who does Professional Credit Service collect for?
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.
How many complaints are there against Professional Credit Service?
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.
Can Professional Credit Service Sue Me or Garnish My Wages?
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!
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.
Professional Credit Service 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).
Consumers have reported this agency harassing them from the following numbers:
Can I sue PCS 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 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!”
Can You Help Me Delete Professional Credit Service from My Credit Report?
Odds are good that we can help. Contact us now and we’ll clarify.
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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.