Trojan Professional Services Inc or TPS is a third-party collection agency based in Southern California that specializes in collecting delinquent debts for dental offices. TPS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and failing to verify debts. If you have been contacted by Trojan Professional Services, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the BBB, Trojan Professional Services, Inc. is a legitimate collection agency, founded and incorporated in 1989. The BBB established TPS’s profile page the same day TPS was founded. Buzzfile estimates Trojan Professional Service’ annual revenue at $11.8 million and the size of their headquarters staff at 99 employees.
The Trojan Professional Services website does not provide a lot of detailed information about its business practices or its client base, but they appear to collect for the healthcare and dental industry. According to its website, TPS handles “time consuming tasks so their clients can focus on patient care and increasing revenue.”
Trojan Professional Services page promises an “increase…in case acceptance, production, and collections.” TPS’s services include insurance benefit services; “Dentifi,” which “combines automated eligibility and access to thousands of Trojan Benefit Plans”; a custom benefit option with patient history reports; eligibility services; managed care reporting; “DrDirect,” which “eliminates paperwork, increases cash flow, and avoids costly delays” by using electronic payment processing; “Ask the Consultant” consultation services; the Trojan Today newsletter; and third-party collections.
TPS’s collections division uses calls, letters, and reporting to the three major credit reporting agencies to intervene when medical bills are delinquent. In addition, their ExpressCollect system allows electronic submission of collection files by dental offices.
The Trojan Professional Services website does not provide any information about its compliance policies and does not provide any links or references to consumer protection resources, laws, or enforcement agencies.
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.
The BBB has closed 7 complaints against Trojan Professional Services in the past three years, with 1 complaint closed in the past 12 months. All of those complaints alleged problems with billing and collections. Since October 2015, the Consumer Financial Protection Bureau (CFPB) has closed 11 complaints against TPS. Justia lists at least 3 cases of civil litigation involving TPS.
Trojan Professional Services, Inc.
4410 Cerritos Ave.
Los Alamitos, CA 90720-2549
Telephone: (714) 816-7169
Website: http://www.trojanonline.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely TPS 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 are some Sample Cases
Complaints against Trojan Professional Services commonly cite problems resulting from attempts to collect disputed debts. In December 2015, a complainant indicated that a delinquency on her credit report resulted from dental services that were covered by dental insurance. According to the complainant, the dental services in question were provided to the complainant’s adult daughter in 2013. When the complainant contacted the dental provider to find out why they had sent the bill for the dental services to collections, they told her that “they had attempted several times to submit a claim for payment… but were unable because the insurance denied the claim.” Allegedly, the complainant’s dental insurance provider “had mistakenly removed her daughter as an individual covered… under her family’s plan when she was transferred from an active employee to a retiree,” and her daughter “was therefore not insured at the time she received service.” The complainant contacted her insurance company and “had this insurance issue corrected by contacting her Plan Administrator.” Allegedly, the insurance company had not been “aware of her lack of medical and dental coverage, so they immediately adjusted their oversight, and coverage for her daughter was reinstated.” Subsequently, “once the dental insurance… was reinstated, they were able to successfully resubmit claims for services provided…and disbursed funds for services rendered.” As a result, the complainant confirmed that the overdue balance had been paid, and that TPS’s collection efforts were no longer necessary. The complainant requested that TPS remove the negative information from her credit report.
In its response, Trojan Professional Services indicated that they did “not concur with the recitation of the events concerning this account. Nevertheless, they sent instructions to Experian, Equifax, and Transunion requesting that they each delete the subject account.”
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).
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…
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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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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