Once you miss a certain number of payments on your monthly accounts, your creditors may turn the outstanding accounts over to a third-party collection agency. If the collector who contacts you is consistently abusive, you may believe that your only solution is bankruptcy.
What you need to know if what if a debt collector is treating you this way, they’re breaking the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) restricts what third-party debt collectors can say or do while collecting debt payments from a consumer. Under the FDCPA, the following actions are illegal and can result in major penalties:
- Swearing and yelling
- Calling before 8:00 a.m. or after 9:00 p.m.
- Calling you at work after being informed that such calls are prohibited
- Threatening legal actions they have no intention of taking
- Telling uninvolved third parties that you owe money
- Ignoring a cease communications request
Company Profile: Professional Service Bureau, Inc.
If you are being called by Professional Service Bureau, Inc., a general overview of the company is below.
Professional Service Bureau, Inc., which also does business as MARS LLC. Managed Accounts Receivable Services, is a debt collection agency located in Elk River, Minnesota. It was founded in 1972, has 88 employees on staff, and is managed by its CEO, Rene Engh.
Records viewable at the PACER website suggest that consumers who believed they were being harassed by Professional Service Bureau, Inc. turned to the courts for justice.
Alleged Violations against Professional Service Bureau, Inc.
According to PACER, on or about April 2, 2014, Professional Service Bureau, Inc. sent a collection letter to a New Jersey consumer seeking payment for a medical debt. It came in an envelope with a glassine window that allegedly made her account number visible to anyone who might see or handle the envelope.
Feeling harassed by Professional Service Bureau, Inc., she filed a class action lawsuit against the collection agency for allegedly:
- Making her account information publicly visible
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
Seeing either of these numbers on your caller ID means that Professional Service Bureau, Inc. is trying to reach you. If they mishandle your personal information and make information about your debt visible to others, hire a consumer lawyer and file a claim against Professional Service Bureau, Inc.
When debt collectors break the law, they can be ordered to compensate you, so stand up for your rights when they are in the wrong.
Case taken from PACER (pacer.gov). File number is Case 2:15-cv-01221-KM-SCM from the United States District Court for the District of New Jersey.
*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 Service Bureau, Inc., or any other third-party collection agency, you may not be entitled to any compensation.