If debt collectors have you so stressed out that the sound of the phone sends your pulse into overdrive, something is seriously wrong. No matter how much is allegedly owed, harassing and intimidating you to this point is illegal. Read on to learn more about your rights as an indebted consumer.
Your Rights Under the FDCPA
At one time, debt collectors were so abusive Congress had to step in and pass the Fair Debt Collection Practices Act, or FDCPA, to protect consumers. Today, the FDCPA imposes serious sanctions on collection agencies that employ methods like the following to collect a debt:
- Threatening action they are not in a position to legally take
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Refusing to validate the debt and prove that they are authorized to collect it
- Demanding amounts that are inflated by ‘service charges’
- Using profane and obscene language
- Leaving vague messages that do not identify the caller as a debt collector
Company Profile: Professional Recovery Systems
If you are being called by Professional Recovery Systems, information about the company is below.
Professional Recovery Systems is a debt collection agency located in San Jose, California It was established in 1965, has approximately 19 employees, and is managed by its CEO, William Gary Call,. The company presently has a B- rating with the Better Business Bureau. Records archived at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Professional Recovery Systems sued the company to bring the unwanted contact to an end.
Alleged Violations against Professional Recovery Systems
According to PACER, on or about early 2009 Professional Recovery Systems started trying to collect a medical debt from a California resident. He later complained that collectors called his wife at work despite employer policy against such communications and used rude and abusive language.
Feeling harassed by Professional Recovery Systems, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Contacting his wife at work after being asked to stop
- Harassing him by telephone
- Using abusive language
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an FDCPA Attorney
The phone numbers for this debt collection agency are:
If any of them flash on your caller ID in response to an incoming call, it means that you are being called by Professional Recovery Systems. If they use rude language and call at inconvenient times even after being asked to stop, contact a consumer attorney who can help you file a claim against Professional Recovery Systems. You could potentially win $1,000 per FDCPA violation, plus legal fees, so when a collection agency goes too far, let the law help you push them back.
*Case taken from PACER (www.pacer.gov). File number is Case 5:09-cv-05351-HRL from the United States District Court for the Northern District of California, San Jose Division.
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 Systems, or any other third-party collection agency, you may not be entitled to any compensation.