Although bills are in arrears because you were laid off, the debt collectors calling you to collect rarely care. They simply demand payment in aggressive terms and even call you abusive names. Don’t tolerate such conduct: it’s illegal and you can fight back.
The FDCPA and Your Rights
The Fair Debt Collection Practices Act, or FDCPA, regulates what third-party debt collectors may say and do while trying to collect a consumer debt. If any debt collector uses tactics like those below to make you pay, you can take legal action.
- Using profane or obscene language
- Calling you at work to embarrass you in front of your boss and co-workers
- Demanding excessive service fees in addition to the original debt
- Using an autodialer to call you
- Calling before 8:00 a.m. and/or after 9:00 p.m. in your time zone
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Company Profile: Pioneer Capital Solutions, Inc.
If you are being called by Pioneer Capital Solutions, Inc., below is an overview of the company’s background.
Pioneer Capital Solutions, Inc. is a debt collection agency in Anoka, Minnesota. It was established in 2011, has fewer than 10 employees, and is managed by its President, Aaron Eckley. The company has a B- rating with the Better Business Bureau.
According to litigation records viewable at the PACER website, consumers who believed that they were being harassed by Pioneer Capital Solutions, Inc. acted on their right to sue.
![Are You Being Called By Pioneer Capital Solutions, Inc.?*]()
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Alleged Transgressions Pioneer Capital Solutions, Inc. Has Been Accused Of
According to PACER, in or around December 2016, Pioneer Capital Solutions, Inc. started calling a Minnesota consumer to collect a debt. She claimed that each time she answered the phone, there was a pause before someone picked up, suggesting that an autodialer was being used.
The consumer repeatedly told the agency to stop calling her cell phone, but the communications allegedly continued.
Feeling harassed by Pioneer Capital Solutions, Inc., the consumer sued the agency:
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
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Hire an Attorney
The phone numbers for this debt collection agency are:
Seeing them on your caller ID means that Pioneer Capital Solutions, Inc. is calling. If they use an autodialer to send unwanted calls to your cell phone, fight back by hiring a consumer lawyer and filing a claim against Pioneer Capital Solutions, Inc.
The agency could be ordered to pay you $1,000 in statutory damages plus your attorney fees, so there are steps you can take when a collection agency goes too far.
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Additional Resources
Case taken from PACER (pacer.gov). File number is Case 1:17-cv-01217-RP from the United States District Court for the Western District of Texas, Austin Division.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Pioneer Capital Solutions, Inc. or any other third-party collection agency, you may not be entitled to any compensation.