Coast Professional Student Loan Debt Harassment❓
Are you tired of Coast Professional student loan Debt Harassment? Do you wish there was a way to make the calls stop? Coast Professional Collections does not have to keep harassing you. We totally understand the situation you are in; one day you’re only a child with no burdens and responsibilities, and the next, you’re an adult saddled with debts and getting calls from debt collectors like Coast Professional. Building strong relationships with consumers is essential to ensure respectful and ethical communication. One of the most stressful things that come with being in debt is having to endure and deal with debt collection calls.
A debt collector is a third party agency assigned to recover debts on behalf of original creditors or businesses. Third-party debt collectors like Coast Professional collections agency come into the picture when a debt is left unpaid for up to 100 days or more, depending on your original creditor.
When your creditor is unable to recover a debt from you, they can choose to transfer the responsibility of recovering the debt to a third-party debt collector. This may be why you’re getting Coast Professional debt collection calls.
Debt collectors get paid whenever they successfully recover a debt, thus, they put a lot of energy and effort into attempting to recover the debts you owe them.
Sometimes, debt collectors go too far and begin to harass the consumer, making the consumer almost resort to changing their phone number. Gladly, there are other ways to deal with Coast Professional phone harassment without having to change your number.
Federal laws like the Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA) prohibit Coast Professional phone harassment. If a debt collector is harassing you, call a qualified lawyer now at 877-700-5790.
Introduction to Debt Harassment
Debt harassment is a serious issue that affects many consumers who are struggling to pay their debts. It is essential to understand that debt collectors have responsibilities to follow fair debt collection practices, which are outlined in the Fair Debt Collection Practices Act (FDCPA). Coast Professional, Inc., a leading accounts receivable management and contact center company, emphasizes the importance of respectful and ethical communication with consumers. As a consumer, it is crucial to be aware of your rights and the debt collector’s responsibilities to ensure that you are treated fairly and with respect.
Consumer Rights In The Context Of Fair Debt Collection Practices
You may have heard so many things said about the FDCPA but you’re not really sure what exactly they’re doing for you and what rights they give you. Below are some of your rights under the FDCPA. You can enforce these any time during Coast Professionals, Inc debt collection.
- 🔎 You can ask Coastal collection agency or any other debt collector questions. This is one right the FDCPA gives you which if used well, can help you avoid a lot of debt collection stress. When a debt collector calls you, you are allowed to ask them questions like who are you, where are you calling from, who is the creditor, and how much is the debt, and the debt collector is mandated to respond.
- 📵 You can stop Coastal Professional from calling you. This is important if you’ve been enduring Coast Professionals, Inc phone harassment. The FDCPA allows you to tell a debt collector to stop calling you. If they do not heed, send them a cease and desist letter via mail.
- ⏰ You can tell Coast collections, when to call you and when not to. Generally, debt collectors shouldn’t call you at odd hours (hours outside of 8 am-9 pm). However, if any other time is still inconvenient for you, you can tell coastal collections not to call you then.
- 📄 You can make a debt validation request. If you’re unsure about a debt, you can make a debt validation request. This means that the debt collector has to send you full documents about the debt.
- ⚖️ You can sue a debt collector. This is not always the best move but in cases of extreme Coast Professional debt collection harassment, you have the right to sue a debt collector and you can even get paid for damages.
How To Handle Debt Collection Harassment From Coast Professional
You do not have to be pestered and stressed just because you owe. Debt collectors have no right to make you feel uncomfortable, unsafe, or disrespected. However, not knowing what to do when debt collectors call can lead to many mistakes that could have otherwise been easily avoided. Many people are caught off-guard when debt collectors call them and they end up making a mess of the situation.
If you are being harassed by a debt collector, here are a few things you could do:
- 🕊️ Be calm: Collect your emotions and control them. It is okay to ask a debt collector to call you at a later time if you are not ready to speak at that moment. Try not to get annoyed, and speak in anger because that will not get you anywhere. Managing your ability to stay calm and composed is crucial when dealing with debt collectors.
- 👂 Listen more than you speak: When you eventually speak to the debt collector, do not be in a hurry to divulge information to them. Listen to them speak and get as much information as possible.
- 📄 Ask for proof that you owe the debt: The FDCPA allows you to request a debt validation letter. When you do this, the collection agency is mandated to send you proof of what you owe.
- ✋ Ask the debt collector to stop harassing you: Verbally asking a debt collector to stop harassing you may not work all the time, but it works sometimes, especially when you let them know that you are aware of your rights and the consequences for them when they violate it.
- ✉️ Send a cease and desist letter: You also have the option of asking the debt collector to stop contacting you by sending them a cease and desist letter.
- 💳 Make plans to pay the debt: When you are certain that the debt is yours, begin making plans to pay it.
- 🎭 Leverage on their violation to negotiate: You can leverage on the collection agency’s violation to make negotiations with them, by making an agreement for a better payment option for you, in return for not filing a case against them.
- ⚖️ Sue the collection agency: You have the right to sue a debt collector who has harassed you. You can be awarded up to $1,000 if you win the case.
What is Coast Professional Inc❓
Coast Professional is a third-party debt collector that focuses on collecting federal and private student loans. Coast Professional Collections also serves colleges and universities, providing specialized debt collection services for higher education institutions. Many consumer forums detail harassing behavior by Coastal and an attitude that suggests that since they are collecting federal loans the FDCPA does not apply. This attitude is wrong. The FDCPA does apply to student loans, both federal and private, as well as the majority of consumer-based debts.
📞 Contact Information
Address: 4273 Volunteer Rd Geneseo, NY 14454-9444 Phone: (585) 991-5200 Fax: (866) 215-8049
Is Coast Professional Inc Legit❓
No, Coast Professional Collections is an approved debt collection agency that collects student loans and other forms of government debt. Their mission is to provide services with high standards of integrity, efficiency, and ethics. According to the Better Business Bureau website, Coast Professional, Inc has been in business since 1976. There have been 52 complaints filed against them with the BBB.
📋 The following is a sample list of complaints filed against Delta Management Associates in the past year and can be found on Pacer.gov.
1:18-cv-06442-KAM-RLM Kaykov v. Coast Professional, Inc.
5:18-cv-01980-JAK-SP Randolph Graham v. Coast Professional, Inc., et al
4:16-cv-01014-HFS Worcester v. Coast Professional, Inc.
1:16-cv-03788-LTS Hernandez v. Coast Professional, Inc.
0:15-cv-03922-DWF-JJK Rodela v. Coast Professional, Inc.
Coast Professional Debt Collector Responsibilities
Coast Professional Debt collectors have a responsibility to follow fair debt collection practices and to treat consumers with respect and dignity. This includes providing clear and accurate information about the debt, verifying the debt upon request, and refraining from using abusive or deceptive tactics to collect the debt. Coast Professional, Inc. is committed to following these responsibilities and ensuring that consumers are treated fairly and with respect.
Consumer Education and Awareness
Consumer education and awareness are critical in preventing debt harassment and ensuring that consumers are treated fairly. Consumers should be aware of their rights and the Coast Professional debt collector’s responsibilities, and they should know how to verify a debt and respond to a lawsuit. Coast Professional, Inc. provides resources and information to help consumers understand the debt collection process and to ensure that they are treated with respect and dignity.
Consumer Feedback and Reviews
Consumer feedback and reviews can provide valuable insights into a company’s business practices and reputation. Coast Professional, Inc. values consumer feedback and reviews and uses them to improve its services and ensure that consumers are treated fairly and with respect. By reading reviews and providing feedback, consumers can help to hold companies accountable and ensure that they are treated with the respect and dignity they deserve.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from Coast Professional debt collectors. Our firm provides comprehensive support to clients facing debt collection harassment. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Coast Professional. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
Success Stories
- 🏆“Coast harassed me for an IRS debt I didn’t owe—calling daily despite my proof of compliance. After I filed a complaint with the BBB, they admitted they couldn’t verify the debt and removed my number from their system. The FTC’s FDCPA guidelines saved me!”
- 🏆“CPC threatened to garnish my wages over a ‘defaulted’ student loan. Consumer Rights Law Firm PLLC proved they violated the FDCPA by failing to validate the debt. Result? A $2,500 check and permanent deletion from my credit report!”
- 🏆“After Coast called my employer (who fired me over the drama!), I sent a certified cease-and-desist letter. They stopped all contact immediately. The Wood Law Firm’s template was a lifesaver—no lawsuit needed!”
- 🏆“Coast sent a fake ‘tax liability’ letter, but the IRS confirmed no debt existed. I reported them to the CFPB and FTC for fraud. Their ‘apology’ response proved they never had proof. Stay vigilant—these predators bank on fear!”
