If a debt collector is hounding you, you are likely stressed and worried. What if they start calling your office? Calling your parents? You need to know your rights if the collector you are dealing with suddenly crosses the line.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA), which was passed in 1977, gives you the right to dispute a debt and refuse to pay it. It also prohibits actions like the following and penalizes collection agencies that use them to settle a debt.
- Demanding amounts not supported by law
- Using profane or obscene language
- Discussing the debt with third parties
- Collecting from you during the dispute period
- Failing or refusing to report a debt as disputed to the credit bureaus
- Calling before 8:00 a.m. and after 9:00 p.m.
Company Profile: Progressive Finance, LLC
If you are being called by Progressive Finance, LLC, more information about the agency is below.
Progressive Finance, LLC, which also does business as Progressive Finance Holdings, is a collection agency in Draper, Utah. The company was established in 2012, has 25 employees, and is managed by Ryan Woodley. Civil litigation records maintained at the PACER website shows that those who felt that they were being harassed by Progressive Finance, LLC fought back.
Alleged Violations against Progressive Finance, LLC*
According to PACER, in or around January 2013, Progressive Finance, LLC began calling an Arizona consumer to collect a debt. She insisted that she was not the debtor, but the agency called her up to 10 times a day and after 9:00 p.m. on at least one occasion. These calls appeared to come from an autodialer, and even after the consumer insisted that she was not the debtor, the calls continued.
Feeling harassed by Progressive Finance, LLC, the consumer filed a claim against the company for allegedly:
● Calling her over a debt she did not owe
● Harassing her by phone
● Using unfair and unconscionable means to collect a debt
The matter ended up being dismissed.
Hire a Consumer Lawyer
The phone number for Progressive Finance, LLC is 1-877-898-1970. If it shows up on your caller ID at any time, it means that Progressive Finance, LLC is trying to reach you about a debt you may not owe. If they harass you using an autodialer and ignore your request to stop, hire a consumer lawyer and file a claim against Progressive Finance, LLC. You may be awarded $1,000 per FDCPA violation, which ensures that the harassment stops and you get the compensation you deserve.
*Case taken from PACER (www.pacer.gov). File number is Case 2:14-cv-00577-DGC from the United States District Court for the District of Arizona.
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 Progressive Finance, LLC or any other third-party collection agency, you may not be entitled to any compensation.