Progressive Financial Services Inc or PFS 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 Progressive Financial Services?
Progressive Financial Services or PFS is a debt collection agency based in 1995. They collect bankcard, telecommunications, educational, and student loan debt, with a particular focus on student loan debt. In actuality, they are among the 22 private collection agencies that deal with the U.S. Department of Education to collect on defaulted federal student loans.
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Is Progressive Financial Services a scam?
They’re legit. Progressive Financial Services is a legitimate collection agency. It provides third-party collection services in addition to first party collection services, and uses the tagline, “Mediation, not confrontation.” The business also belongs to the Debt Buyers Association, which probably means that they buy portfolios of charged-off debt and then try to collect on that “noncollectable” debt.
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 Progressive Financial Services?
As of August 2020, the Better Business Bureau reported 9 closed Progressive Financial Services complaints over the previous few decades, including 2 closed complaints over the past 12 months. The BBB provides PFS an A+ rating. Additionally, Justia lists six complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 41 closed complaints for 2016.
Progressive Financial Services, Inc. 1919 W Fairmont Drive, Suite 8 Tempe, AZ 85282 Phone Number: 866-484-0204
Can Progressive Financial Services 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 PFS 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 2014, the U.S. Court of Appeals reversed a lower court’s decision in Payne vs. Progressive Financial Services. The district court had dismissed the consumer’s allegations that Progressive Financial Services had violated the Fair Debt Collection Practices Act she didn’t accept the collection agency’s offer of judgment. The district court had dismissed the customer’s allegations that Progressive Financial Services had violated the Fair Debt Collection Practices Act she did not accept the collection agency’s offer of judgment. The customer alleged that the debt collection agency made harassing phone calls, called at inconvenient times, and did not correctly identify itself as a debt collector. The debt collection agency served the customer with an offer of judgment for $1,000 plus lawyer fees that said the offer would expire after 14 days. She didn’t react to the deal, so PFS filed to dismiss the lawsuit. The district court found that the customer’s claims were moot because she did not accept the offer of judgment.
Progressive Financial Services 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 Progressive Financial 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.
“They listen, guide you step-by-step, keep your best interest in mind, and fight hard for you. A simple “thank you” doesn’t go far enough.”
“I was struggling so hard and the collection calls were quite painful. Your specialist team sorted out all of these issues. My life is my own again. Thank you.”
“I can’t start to tell you how happy this makes me. It is actually comforting to know that there are people ready to do the things you have done. I am really blessed to have found you guys, and was not worried about anything. I think that at the end was the best part for me, reassurance. I’ve got the release here and have signed it, I’ll fax it over the hour.”
Can You Help Me Delete Progressive Financial Services 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.