Payment Resolution Services Phone Harassment?
Is Payment Resolution Services (PRS) calling you? Stop Payment Resolution Services 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. PRS must comply with the FDCPA and other relevant laws. You have the legal right to stop PRS phone harassment. The FDCPA provides important protections for consumers against abusive collection practices. If a collection agency commits violations of the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Payment Resolution Services a Scam?
According to the Better Business Bureau website, Payment Resolution Services has been in business for 23 years. PRS is not a fake debt collector or scam operation, but a legitimate business. There have been 4 complaints filed against PRS with the BBB.
Payment Resolution Services Better Business Bureau
Who is Payment Resolution Services?
Payment Resolution Services is third party debt collector located in Franklin, Tennessee. PRS has been a party to a Federal Court case a few times. 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. These actions may cross the line into unlawful harassment, violating laws designed to protect consumers.
Address: 1021 Windcross Ct
Franklin, TN 37067-2678
Phone: (800) 325-5340
Payment Resolution Services Collection Tactics
If Payment Resolution Services 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, have you sued, 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
- ▶️ Pressuring you into a settlement without providing proper documentation or negotiation.
Payment Resolution Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-325-5340, 866-778-5340, (800) 325-5340, (866) 778-5340, 8003255340, 8667785340
If the answer is yes, then you are receiving calls from a known PRS number. You may be a victim of PRS phone harassment. Many consumers have reported receiving calls from a variety of different numbers associated with PRS. The list above is not all the numbers that PRS uses. PRS may contact you from different numbers, so the calls can be from a different number and it still be Payment Resolution Services calling you. Contact our office right away so we can start the process to stop PRS from calling you illegally. Above all, no one should live with harassment!
How Payment Resolution Services Affects Your Credit Report
When Payment Resolution Services (PRS) begins collection efforts on your outstanding debts, the impact on your credit report can be significant. Debt collectors like PRS often report unpaid debts to the major credit bureaus—Experian, TransUnion, and Equifax—which can lower your credit score and make it more difficult to qualify for loans, credit cards, or even rental housing in the future. A collection account on your credit report signals to other companies and lenders that you have unresolved financial obligations, which can affect your creditworthiness for years to come.
The Fair Debt Collection Practices Act (FDCPA) sets strict guidelines for how debt collectors must conduct themselves, ensuring that their practices are fair and transparent. However, common complaints against collection agencies like PRS include aggressive tactics, repeated phone calls, and even harassment. The law prohibits debt collectors from using abusive language, making threats of legal action they cannot take, or contacting you at unreasonable hours. If you believe PRS is violating these fair debt collection practices, you have the right to file a complaint with the Better Business Bureau or other regulatory agencies.
If you are contacted by PRS, it’s crucial to verify that the debt is legitimate before making any payments. You can request a debt validation letter from the collection agency, which should detail the amount owed, the original creditor, and proof that the debt is yours. If you dispute the debt, you have the right to notify PRS in writing, and they must cease collection efforts until they provide verification. This process helps protect you from errors, scams, or attempts to collect debts you do not owe.
To safeguard your credit, regularly monitor your credit report for any new collection accounts or inaccuracies. You are entitled to a free credit report from each of the three major credit bureaus every year. If you find errors or accounts that do not belong to you, file a dispute with the credit bureau and the collection agency to have them investigated and corrected.
If you’re struggling to manage your debts or feel overwhelmed by collection calls, consider seeking professional assistance from a credit counselor or debt management company. These services can help you negotiate with creditors, create a payment plan, and work toward resolving your debts without further damaging your credit.
Common Questions
Is PRS a scam? No, Payment Resolution Services has been in business for 23 years.
Can Payment Resolution Services garnish my wages? Yes, PRS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts, which can happen if you owe money and a judgment is obtained against you.
Can PRS sue me? Yes, PRS can sue you so long as the debt is within the statute of limitations, but it is important to determine whether the debt is valid before taking any action.
Can PRS report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report, but you should identify whether the debt is actually yours before it is reported.
Can PRS arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets. Do not respond to suspicious or threatening calls from debt collectors, and seek legal advice if you are unsure about your rights.
The following is a sample list of complaints filed against Payment Resolution Services in the past and can be found on Pacer.org. Some consumers have reported being pressured to pay debts they may not actually owe money for.
2:15-cv-01999-BRO-PLA Therese Harris v. Payment Resolution Services
1:14-cv-06896-JG-SMG Klein v. Payment Resolution Services
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 firm helps clients focus on managing their debt and credit issues effectively, ensuring they take proactive steps toward financial stability. Rather than suffer alone, contact our office to begin the process to stop the Payment Resolution Services 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 Payment Resolution Services. 📞call us at (877) 700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
- Consumer Rights Law Firm is amazing! Derek was A+ all the way getting a Debtor to stop harassing me & even had them pay the court costs & fees! I am flabbergasted- had to pinch myself even!!! Thank you SO much Derek! Would most definitely recommend this firm to anyone who is going through the same thing. Give them a call!⭐⭐⭐⭐⭐
- Amazing! My experience was very quick and easy and I got a nice settlement in no time. Also, their word was kept as far as not paying any fees. Zero out of pocket, and great settlement in return. 5 stars!⭐⭐⭐⭐⭐
- Being completely honest I was extremely hesitant and worried about this being a joke. I am extremely grateful that I took a chance with Matt and he took care of me, even answering my calls/texts at any time of the day. He was able to get the harassment to stop from the debt collector within a week (nonstop robo calls) and roughly a month after signing him as my attorney he called me stating me debt of over 4k was waived. No attorney fees, no debt and no more spam calls. Thank you so much, massive weight has been lifted off my shoulder. These guys are the real deal⭐⭐⭐⭐⭐
Frequently Asked Questions
1. Who is Payment Resolution Services?
Payment Resolution Services (PRS) is a debt collection agency that contacts consumers to collect outstanding debts on behalf of various creditors.
2. Why is Payment Resolution Services contacting me?
They may be attempting to collect a debt they believe you owe. You have the right to request written validation.
3. Can Payment Resolution Services call me anytime?
No. They cannot call before 8 a.m. or after 9 p.m. under federal law.
4. Can PRS contact my employer?
They can verify employment but cannot discuss your debt without your permission.
5. Are they allowed to threaten legal action?
Only if they genuinely intend to take action. False threats are illegal.
6. Can I request proof of the debt from PRS?
Yes. You can request written debt validation within 30 days of the first notice.
7. What should I do if the debt is not mine?
You can dispute the debt in writing, and they must stop collection until they provide proof.
8. Can PRS report the debt to credit bureaus?
Yes, but only accurate information, and they must notify you if they plan to report it.
9. What happens if PRS violates debt collection laws?
You may have the right to file a complaint or pursue legal action for damages.
10. How can a lawyer help with PRS harassment?
A consumer rights attorney can stop the calls, dispute incorrect debts, and hold PRS accountable for illegal practices.
