Skip to content
Debt Collection
Free Legal Help

Updated on Author: Contributing Author: Sergei Lemberg

Contacted by Pioneer Credit Recovery?*

Stop the

You have legal rights. We can help.


If you are in debt and have gotten behind in payments, a debt collection agency, such as Pioneer Credit Recovery, may contact you about your debt.

Some debt collection agencies have been known to use unfair, abusive, and deceptive methods when contacting debtors. To fight these practices, the Federal Trade Commission (FTC) enacted the Fair Debt Collection Practices Act (FDCPA) in 1977. This act makes it so that debt collection agencies must follow a set of legal guidelines when contacting debtors in a respectable and fair manner, and gives debtors the option to seek legal action against a debt collection agency in the case of a violation of their rights.

Pioneer Credit Recovery is a debt collection agency that specializes in government debt. They have two offices in New York, as well as locations in New Jersey and Florida.

What to Do if Pioneer Credit Recovery is Trying to Collect a Debt from You*

If Pioneer Credit Recovery has contacted you about your debt and you think they may have harassed you and violated your rights under the FDCPA, there are certain options available to ensure that you are treated with respect. For example, you have the legal right to request that Pioneer Credit Recovery stops contacting you about the debt in question.

You can make either a verbal or written request, but it is strongly recommended that you make a written request and send it to the debt collection agency as certified mail. This way, you have proof that the request was made in case you need it later on in court.

Pioneer Credit Recovery must stop contacting you about your debt once they have received your request for cease of contact. If they don’t stop contacting you, it is important to keep a record of every time they call you since they received your request. This is because, under the FDCPA, each call counts as a violation towards you, and each violation may earn you up to $1,000 in compensation in court.

Make a log of each call that notes the date, time, and name of the call representative so that your records are as thorough as possible.

Another tip is to find a lawyer whose specialty is in FDCPA violation cases. An attorney with this type of background will help you through the legal process against Pioneer Credit Recovery with professional expertise, and increase your chance of a successful claim. They will help you sort through the needed evidence for a trial, such as the record of phone calls mentioned above, and help you figure out the amount of damages you should seek in court.

Once you are ready to file a claim against Pioneer Credit Recovery for violating your FDCPA rights, you may do so in small claims court, state court, with the FTC, or through your state attorney general’s office.

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 Credit Recovery, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
Be the first to comment

Leave a Comment

Write a comment below to share your experience. Or, instead you can send a secure message to our legal team.
Email & phone number are required to block spam, but will not be published.

Briefly describe your experience

Briefly describe your experience

What’s your name?

What’s your name?

What’s your email address?

Please enter a valid email address.

What’s your phone number?

Please enter a valid phone number.

Want to know if you could sue? Get a free legal evaluation.

Free Case Evaluation

    1. Please fill out your contact information:

    2. Has a debt collection done any of the following:

    By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.