Are You Being Called By Professional Collection Services, Inc.?* Here's What You Need to Know
If you are being chased by a collection agency over past-due credit card bills, student loans, and medical debt, it is important to know your rights. Even if you actually owe the money being demanded, you don’t have to put up with harassment. The collectors may try to tell you differently, but the law is in your corner.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates how third-party collection agencies can collect a consumer debt. Since 1977, when the law was passed by Congress, tactics like the following have been illegal.
- Using obscene or profane language
- Trying to collect after you have formally disputed a debt
- Harassing you by telephone (e.g. calling and hanging up)
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m
- Discussing your debt with anyone except you, your spouse, or your attorney
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
Company Profile: Professional Collection Services, Inc.
If you are being called by Professional Collection Services, Inc., information about the company is below.
Professional Collection Services, Inc. is a debt collection company located in Smithtown, New York It was established in 1994, has a small workforce of less than 10 employees, and is managed by its President, James Dorsa. Litigation files viewable at the PACER (Public Access to Court Electronic Records) website reveals that consumers who felt they were being harassed by Professional Collection Services, Inc. hired attorneys to help them seek compensation.
Alleged Violations against Professional Collection Services, Inc.
According to PACER, on or around December 16, 2004, Professional Collection Services, Inc. sent a collection letter to a New York resident. The letter stated, in part, “We have sent you two letters and left numerous messages at your house but you have not returned any of our calls.” This was, however, the first communication that she ever received from the company.
Feeling harassed by Professional Collection Services, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to advise her of her dispute rights
- Using false, deceptive and misleading means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone number for this debt collection agency is 1-631-265-8600. If you see it on your caller ID, be aware that you are being called by Professional Collection Services, Inc. If they send you letters implying that you are ignoring them and legal action is about to commence, contact a consumer attorney immediately. If you file a claim against Professional Collection Services, Inc., you could be awarded $1,000 per FDCPA violation plus the legal costs of preparing and filing the claim. When debt collectors abuse your rights, an attorney can help you remind them of the consequences.
*Case taken from PACER (www.pacer.gov). File number is Case 1:05-cv-00265-CPS-MDG from the United States District Court for the Eastern District of New York.
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 Professional Collection Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.