Pan AM Collections Phone Harassment?
Is Pan AM Collections (PAC) calling you? Stop Pan AM Collections 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. You have the legal right to stop PAC 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. These laws are designed to protect consumers from unfair practices. It is important to stay informed about your rights when dealing with collection agencies, so you can ensure your complaints are properly addressed and resolved, including through legal action if necessary.
Is Pan AM Collections a Scam?
According to the Better Business Bureau website, Pan AM Collections has been in business for 8 years. There have been 2 complaints filed against PAC with the BBB. Consumers often receive a notice from the collection agency informing them about the debt or complaint.
Who is Pan AM Collections?
Pan AM Collections is a third party debt collector located in Bloomington, Illinois. Pan AM Collections works on behalf of creditors to collect outstanding debts from consumers. Their collection service involves contacting individuals to recover unpaid balances, often acting as an intermediary between creditors and debtors. PAC has been a party to a Federal Court case several times. They have been accused of violating consumer’s rights and using illegal and harassing communication tactics; any person subjected to such tactics may have legal recourse.
🏛️ Address: Franklin Park Commons 707 N East St Ste 1 Bloomington, IL 61701-8115
☎️ Phone: (855) 257-2626
Pan AM Collections Collection Tactics
If Pan AM Collections engages in any of the following tactics, you may have a case:
- ➤ Using profanity or abusive language
- ➤ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➤ Calling you multiple times per week
- ➤ Talking to others about your debt
- ➤ Calling your workplace
- ➤ Threatening to sue you, harm you, or destroy your credit
- ➤ Telling you or anyone else that you’ve committed a crime
- ➤ Calling repeatedly for the wrong person
- ➤ Failing to notify you of your right to dispute the debt
- ➤ Trying to collect more than legally allowed
Pan AM Collections Phone Numbers
- 📲 855-257-2626
- 📲 (855) 257-2626
- 📲 8552572626
If the answer is yes, then you are receiving calls from a known PAC number. You may be a victim of PAC phone harassment. The list above is not all the numbers that PAC uses. The calls can be from different phone numbers and it still be Pan AM Collections calling you. Consumers should not receive more calls than expected from a collection agency. Contact our office right away so we can start the process to stop PAC from calling you illegally. Above all, no one should live with harassment!
How to Request Debt Validation from Pan AM Collections
When dealing with Pan AM Collections or any collection agency, it’s crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA). This federal law was designed to protect consumers from unfair debt collection practices and to ensure that debt collectors follow strict guidelines when attempting to collect a debt. If you’re receiving calls or letters from Pan AM Collections, one of the most important steps you can take is to request debt validation.
To start, send a written request for debt validation directly to Pan AM Collections. In your letter, include your account number, the amount you’re being asked to pay, and a clear statement that you are requesting verification of the debt. Make sure to send this letter via certified mail with a return receipt requested to the address listed on Pan AM Collections’ website or any official correspondence you’ve received. This provides proof that your request was received and helps protect your rights.
Under the FDCPA, debt collectors and collection agencies are required to provide you with specific information about the debt. This includes the name of the original creditor, the total amount owed, and documentation such as a copy of the original contract or agreement. Reviewing this information carefully can help you determine whether the debt is legitimate or if you’re being targeted by a scam.
If Pan AM Collections fails to provide proper validation or continues harassing calls after your request, you have the right to take further action. Consider reaching out to a law firm that specializes in debt collection defense. An experienced attorney can help you stop debt collection harassment, recover statutory damages, and may even be able to get your attorney fees covered if your rights have been violated.
Should you encounter ongoing difficulties or believe Pan AM Collections is not following fair debt collection practices, you can file a complaint with the Better Business Bureau or your state’s Attorney General’s office. These organizations can assist you in resolving complaints and provide guidance on how to deal with collection agencies.
Always keep detailed records of every interaction with Pan AM Collections, including dates, times, and the content of calls or letters. This documentation can be invaluable if you need to file a complaint or take legal action. If you’re considering negotiating a payment plan or settlement, make sure any agreement is in writing and clearly outlines the payment terms, amounts, and any consequences for missed payments. Never agree to pay a debt you do not recognize or that has not been properly validated.
By understanding your rights and taking these proactive steps, you can protect your credit report, avoid debt collection harassment, and ensure that any debts you owe are handled fairly and legally. If you need assistance, don’t hesitate to seek help from a reputable law firm or consumer protection agency. Remember, you have the right to fair treatment under the law, and there are resources available to help you resolve your situation with Pan AM Collections or any other collection agency.
Complaints Against Pan AM Collections
The following is a sample list of complaints filed against Pan AM Collections in the past and can be found on Pacer.gov. These cases are an example of the types of legal actions filed against Pan AM Collections:
- 📋 1:15-cv-01878 Ontiveros v.
- 📋 1:18-cv-01365 Tripp v.
- 📋 2:17-cv-00368-PP Kopp v.
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. Our extensive knowledge of debt collection laws allows us to provide effective legal advice and representation. We help clients achieve debt relief and resolution, even in complex cases involving financial hardship. If your income level affects your ability to pay debts, or if you are unable to pay due to financial hardship, we can help you explore your options. We have experience handling disputes involving gym membership debts, including unfair billing and collection practices. Our office also assists clients from around the world, reflecting our broad experience and global reach. Rather than suffer alone, contact our office to begin the process to stop the Pan AM Collections harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. We believe collection agencies should accept responsibility for valid complaints and work toward fair resolutions.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Pan AM Collections. call us at 877-700-5790.
Success Stories
- 🏆 “For months, I dealt with endless phone calls and threats from a collection company. It was affecting my work, sleep, and peace of mind. I found Consumer Rights Law Firm online and decided to give them a call. They were patient, understanding, and very knowledgeable about debt collection laws. They handled everything on my behalf and made sure the harassment ended. I finally have my peace back and feel empowered knowing my rights.” – James T.
- 🏆 “I can’t say enough good things about CRLF. I was frustrated and stressed out with constant harassment from a debt collector who wouldn’t stop calling me at home and work. The team at CRLF listened to my story, took over the case, and explained every step they were taking. In just a few weeks, the calls stopped completely. They didn’t just fix my problem—they gave me confidence and control over the situation again.” – Emily R.
- 🏆 “If you are dealing with debt collectors who ignore your requests to stop calling, Consumer Rights Law Firm is the place to go. I was overwhelmed by the constant harassment, but CRLF handled my case quickly and professionally. They made sure the collectors followed the law and gave me updates along the way. Their team is not only skilled but also compassionate. I’m incredibly grateful for their help and highly recommend them to anyone facing similar issues.” – Michael L.
Common Questions
Is PAC a scam?
No, Pan AM Collections has been in business for 8 years.
Can Pan AM Collections garnish my wages?
Yes, PAC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can PAC sue me?
Yes, PAC can sue you so long as the debt is within the statute of limitations.
Can PAC report my debt to the collection bureaus?
Yes, PAC can report your debt to credit bureaus. This means your debt and payment history may appear on your credit report, which can affect your credit score.
Should I pay a debt before verifying it?
No, you should always verify that the debt is valid before it is paid. You have the right to request proof of the debt from PAC before making any payments.
Does bankruptcy affect collection efforts by Pan AM Collections?
Yes, filing for bankruptcy can stop or limit collection efforts by PAC. Bankruptcy is a legal process for individuals facing severe financial hardship and the inability to meet debt obligations.
