It’s difficult to work hard knowing that no matter how many hours you put in, you will never make a dent in your debts. If you become the target of a belligerent collection agency, it can be overwhelming, but you need to know your rights and what these debt collectors can and cannot do.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) which was enacted in 1977, protects consumers against unfair collection practices. It and penalizes agencies that use unfair practices like those below:
- Using profane and obscene language
- Intentionally reporting incorrect information to the credit bureaus
- Posing as law enforcement officers to frighten you into paying
- Calling anyone except you, your spouse, or attorney about the debt
- Failing to send a debt validation letter within five days of first contacting you
- Harassing you over a debt that you never incurred
Company Profile: Pro Collect, Inc.
If you are being called by Pro Collect, Inc., a company summary is below.
Pro Collect, Inc. is a debt collection agency in Dallas, Texas. It was established in 1995, has 27 employees, and is managed by Lisa Ramos. The PACER website holds litigation records suggesting that people who felt that they were being harassed by Pro Collect, Inc. were not afraid to sue.
Alleged Violations against Pro Collect, Inc.**
According to information on the PACER website, on or about March 22, 2016, Pro Collect, Inc. sent a collection letter to a Texas consumer. It sought to collect an alleged debt in the amount of $2,766.63 plus a $7.50 collection fee, which he believed to be illegal under the FDCPA. In addition, the debt reported to the credit bureaus was $2,777.00 which is a different amount than the one claimed in the letter.
Feeling harassed by Pro Collect, Inc., the consumer took legal action against the company for:
- Using false, deceptive, and misleading means to collect a debt
- Misrepresenting the amount of the debt
- Trying to collect an amount not permitted by law
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If you see any of these numbers on your caller ID, Pro Collect, Inc. is on the line. If they demand one amount from you but report a different total to the credit bureaus, hire a consumer lawyer and file a claim against Pro Collect, Inc. You could receive over $1,000 in statutory damages. When a collection agency harasses you, filing a lawsuit can bring the justice you deserve.
**Case taken from PACER (pacer.gov). Case 5:16-cv-01077-DAE from the United States District Court for the Western District of Texas.
*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 Pro Collect, Inc. or any other third-party collection agency, you may not be entitled to any compensation