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 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. One of the most stressful things that come with being in debt is having to endure and deal with debt collection calls.
Some of your consumer rights in the context of debt collection.
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.
- 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
- 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.
- 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.
Who is Coast Professional?
Coast Professional is a third-party debt collector that focuses on collecting federal and private student loans. 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.
Address: 4273 Volunteer Rd
Geneseo, NY 14454-9444
Phone: (585) 991-5200
Fax: (866) 215-8049
Is Coast Professional, Inc a Scam?
No, Coast Professional is an approved debt collection agency that collects student loans and other forms of government debt. 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. Find more information about them here Coast Professional Inc Better Business Bureau
The following is a sample list of complaints filed against Delta Management Associates in the past year and can be found on Pacer.org.
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.
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. 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.
Check out the links below for more information:
New York State Attorney General
Consumer Financial Protection Bureau