Are You Being Called By Professional Recovery Personnel, Inc.*?

Are You Being Called By Professional Recovery Personnel, Inc.? Here’s What You Need to Know

Falling into debt is not always proof of financial irresponsibility. Anyone can lose their job, become disabled, or be saddled with an unexpected expense like a divorce or house repairs. Debt collectors, however, don’t normally care about why you fell behind in your bills. If they abuse or harass you, be aware that you can take legal action.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act is enforced by the Federal Trade Commission and regulates what third-party collection agencies can do while attempting to collect consumer debts. Actions like the following are strictly prohibited:

• Using profane and/or obscene language
• Contacting you at work if you are not allowed to receive calls there
• Threatening legal action even if they are not eligible to take or have no intention of taking
• Attempting to collect a debt that has already been discharged in a bankruptcy filing
• Threatening to have any wages garnished
• Demanding an amount that is not supported by law or the original debt agreement

Company Profile: Professional Recovery Personnel, Inc.

If you are being called by Professional Recovery Personnel, Inc., here are some additional details about the company.

Professional Recovery Personnel, Inc., which also does business as PRP, Inc., is a debt collection agency in Champlin, Minnesota. It was founded in 1989, has a smaller workforce of five employees, and is managed by owner Steve Rutt. Records digitized at the PACER website indicate that otehr consumers that believed they were being harassed or experiencing abusive tactics by Professional Recovery Personnel, Inc. did not hesitate to stand their ground.

Alleged Violations against Professional Recovery Personnel, Inc.**

According to information on the PACER website, in or around April 2017, Professional Recovery Personnel, Inc. allegedly sent multiple collection letters to a Nevada consumer regarding a mortgage debt. He disputed the amount owed but the collection attempts continued, despite the fact that the consumer denied receiving a validation package. It was also suggested that the agency was not licensed to collect debts in Nevada.

Feeling harassed by Professional Recovery Personnel, Inc., the consumer sued the company for allegedly committing the following violations:

• Threatening actions it could not legally take
• Using unfair and unconscionable means to collect a debt
• Using false, deceptive, and misleading means to collect a debt
• Failing to send a debt validation letter

The matter was later dismissed.

Hire a Consumer Lawyer

The phone numbers below are the known numbers for this debt collection agency:

• 1-763-560-1148
• 1-800-318-5398

Any time they appear on your caller ID, it is because Professional Recovery Personnel, Inc. is on the line. If you dispute a debt and they continue to harass you even though they are not licensed to collect debts in your state, fight back by hiring a consumer lawyer and filing a claim against Professional Recovery Personnel, Inc. You could receive $1,000 in statutory damages, so when a debt collector breaks the law, don’t hesitate to take them to court.

**Case taken from PACER (pacer.gov). File number is Case 2:17-cv-02586-JAD-NJK from the United States District Court for the District of Nevada.

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

Additional Resources

• How to Verify if a Debt Collector is Legitimate?
• If a Collection Agency Violated the FDCPA, Can I Sue?