Action Professionals Debt Collector Harassment?
Is Action Professionals (AP) calling you? Stop Action Professionals phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. Consumer complaints about debt collection practices are taken seriously and can be reported to relevant authorities. You have the legal right and consumer rights to stop AP phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Action Professionals a Scam?
According to the Better Business Bureau website, Action Professionals has been in business for 37 years.
Action Professionals Better Business Bureau
Who is Action Professionals Debt Collection Agency?
Action Professionals is a third party debt collector that collects debts on behalf of a creditor, located in Paso Robles, California. AP has been a party to a Federal Court case several times. Individuals may be contacted by Action Professionals regarding debts owed to various creditors. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: PO Box 2600
Paso Robles, CA 93447-2600
Phone: (800) 234-3836
Original creditors, such as a credit card company, may hire Action Professionals to recover unpaid debts.
Action Professionals Collection Tactics
Action Professionals, like many debt collection agencies, may use a variety of tactics in their debt collection efforts. These can include persistent phone calls, sending letters, and even emails in an attempt to collect on outstanding debts. However, it’s important to remember that all debt collectors are required to follow fair debt collection practices as outlined in the Fair Debt Collection Practices Act (FDCPA). This federal law protects consumers from abusive, deceptive, or unfair practices during the collection process.
Some common tactics that may be used by Action Professionals include repeated phone calls designed to annoy or harass, threats of legal action or wage garnishment, and the use of abusive or profane language. Debt collectors may also contact you at inconvenient times or places, fail to properly identify themselves as a debt collection agency, or neglect to provide details about the debt they are attempting to collect. In some cases, collectors may even contact third parties about your debt without your permission, which is a violation of your rights.
If you experience any of these unfair practices or feel you are a victim of debt collector harassment, you have the right to stop collection efforts. One effective way to do this is by sending a cease and desist letter to the debt collector. Make sure to send this letter via certified mail with a return receipt requested, so you have proof that the collection agency received your request. If Action Professionals or any other collection agency continues to contact you after receiving your cease and desist, you may be entitled to statutory damages and other remedies under the debt collection practices act. Remember, you do not have to tolerate harassment or illegal collection tactics—know your rights and take action to protect yourself.
Action Professionals Collection Tactics
If Action Professionals engages in any of the following tactics, you may have a case:
Action Professionals Phone Numbers
800-234-3836, 805-239-3020, (800) 234-3836, (805) 239-3020, 8002343836, 8052393020
If the answer is yes, then you are receiving calls from a known AP number. You may be a victim of AP phone harassment. The list above is not all the numbers that AP uses. The calls can be from a different number and it still be Action Professionals calling you. Contact our office right away so we can start the process to stop AP from calling you illegally. Above all, no one should live with harassment!
Understanding Your Rights
When dealing with debt collectors, understanding your rights is essential to protecting yourself from abusive debt collection practices. The Fair Debt Collection Practices Act (FDCPA) was created to safeguard consumers from unfair practices and debt collector harassment. Under this law, you have several important rights, including the right to dispute a debt and request written validation, the right to stop collection calls and letters, and the right to be free from excessive contact and harassment.
Debt collectors are not allowed to misrepresent the amount you owe, use deceptive practices, or threaten wage garnishment unless they have the legal authority and intend to follow through with legal action. Wage garnishment can only occur with a court order, so any threats without proper legal proceedings are considered unfair practices.
To protect yourself during the collection process, keep detailed records of all communication with the debt collector, including phone calls, letters, and emails. If you want to stop collection efforts, you can send a cease and desist letter, which legally requires the collector to stop contacting you. If you believe a debt is not valid or does not belong to you, dispute it in writing and request verification from the collector. Staying organized and keeping copies of all correspondence and payments can help you if you need to take legal action or file a complaint.
If you feel overwhelmed or unsure about your rights, consider seeking professional help from a credit counselor or attorney who specializes in debt collection issues. By understanding your rights and taking proactive steps, you can protect yourself from debt collector harassment and ensure that your rights are respected throughout the collection process.
The following is a sample list of complaints filed against Action Professionals in the past and can be found on Pacer.org.
3:19-cv-01472-WHA Dozier v. Action Professionals Inc et al
2:10-cv-03354-DMG-FMO Wood et al v. Action Professionals, Inc.
2:14-cv-06761-ODW-FFM Dial v. Action Professionals, Inc
2:14-cv-06963-SVW-FFM Burkhammer et al v. Action Professionals, Inc.
2:14-cv-07172-JFW-PLA Greer v. Action Professionals, Inc.
If you are contacted about a debt, review your financial records—such as bank statements, receipts, and old bills—to verify the debt actually belongs to you. If you believe the debt is incorrect or unauthorized, consider sending a dispute letter to the debt collector. Assess your financial situation to determine the best way to address the debt. A debt management plan may help you pay off unpaid debts, including medical bills and personal loans, and stop collection calls. This structured solution involves working with a reputable, nonprofit credit counselor who will review your financial situation and act as an intermediary between you and your creditors.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Action Professionals harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Action Professionals call us at (877) 700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
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Frequently Asked Questions
1. Who is Action Professionals?
Action Professionals is a debt collection agency that contacts consumers regarding alleged unpaid debts.
2. Can Action Professionals call me repeatedly?
No. Repeated or excessive calls meant to annoy or harass you are illegal under federal law.
3. Is phone harassment by Action Professionals illegal?
Yes. Harassing, threatening, or abusive phone calls violate the Fair Debt Collection Practices Act (FDCPA).
4. Can Action Professionals call me early in the morning or late at night?
No. Collectors cannot call before 8 a.m. or after 9 p.m.
5. Can Action Professionals contact my family or employer?
They may only contact third parties to locate you and cannot discuss your debt.
6. Can I tell Action Professionals to stop calling me?
Yes. You can request communication in writing only or send a cease-and-desist letter.
7. Does Action Professionals have to verify my debt?
Yes. If you request validation within 30 days, they must provide written proof of the debt.
8. Can Action Professionals threaten legal action?
Only if they genuinely intend to take legal action. False threats are illegal.
9. Can I record calls from Action Professionals?
That depends on your state’s recording laws, but many states allow one-party consent.
10. What should I do if Action Professionals keeps harassing me?
You can document the calls and contact a consumer rights attorney to protect your rights.
