Pioneer Credit Recovery debt harassment
Does it seem like the phone wouldn’t stop ringing? Are you being constantly hounded with calls and messages from Pioneer Credit Recovery? This is probably because you owe a debt. Pioneer Credit Recovery and other debt collection agencies task themselves with collecting third party debt and often go to extreme measures in order to do so, hence the unending and frustrating calls. Often times, being in debt can be vexing and might even be the source of many sleepless nights. However, remember to always maintain your cool when dealing with Pioneer Credit Recovery or other debt collectors and try not to engage them in a verbal battle.
You probably didn’t know that there are Federal laws that protect consumers like you from Pioneer Credit Recovery phone harassment. They protect you from being harassed and treated unfairly, they also ensure that your human rights are not violated during Pioneer Credit Recovery debt collection. These laws are called the Fair Debt Collection Protection Act (FDCPA).
Are you wondering why you’re experiencing Pioneer Credit Recovery debt collection when you have no memory of ever acquiring debts from them, this is because Pioneer Credit Recovery has purchased your debt from the creditor who you initially owe and as a debt collection agency and they are trying to get you to pay up. It is important to note that not all types of debt are covered by the FDCPA. Businesses debt or individuals who take business loans are not covered, however personal, household, medical and student loans are.
What are debt collectors prohibited from engaging in?
- Pester you with unending calls and messages during Pioneer Credit Recovery debt collection especially after you have written them a cease letter.
- Contact you before 8 am or after 9 pm. Pioneer Credit Recovery debt collection calls should never come at odd hours. If that happens, it is Pioneer Credit Recovery phone harassment.
- Try to get you to pay more than you owe, you are liable for what you owe, not a single cent more.
- Tell you that you have broken the law, treat you like a criminal, or say they would have you arrested.
- Publish false information on your credit record.
- Use abusive and nasty words while addressing you, yell at you, or be generally rude and condescending. This is Pioneer Credit Recovery phone harassment and it is totally unacceptable.
- Continue contacting you after they’ve been informed of your legal representation.
- Contact you at your workplace after they have been expressly told not to.
- Threaten to harm you or your loved ones.
- Pose as attorneys or Government officials or serve you with untrue debt information.
- Publish your debt in newspapers, magazines, or on social media.
- Say that they would take away your pension, alimony, child support, or funds of that sort.
TIME BARED DEBTS
Time-barred debts are simply debts that you cannot be sued for either by creditors or debt collectors because they are too old. They are debts that have reached their statute of limitation.
The Fair Debt Collection Practice (FDCPA) do not allow debt collectors bring a suit or threatening for a time-barred debt. However, if you happen to be served a lawsuit for a time-barred debt, endeavour to respond promptly. It’s costly to assume that your response is of no importance since the statute of limitation of the debt is reached. Anyways, filing a complaint against the debt collector that infringes on your rights with the Federal Trade Commission(FTC) and your State Attorney General is a good idea.
Another thing to note is that, that the debt is time-barred does not automatically cancel the debt. Within the bounds of the law, collectors can still collect time-barred debts using calls and letters. It is your duty to ask the collector if the debt has reached it’s statute of limitation or not. Knowing this can help you dispute the debt. Again inquire of the date of the debt and date of last payment. Till he provide these information, the debt collector must stop contacting you.
To settle with a debt collector who’s aim is to collect a time-barred debt from you, you first need to carry out a debt validation. Request a written verification of the debt from the debt collector. This should be done within 30days from your initial contact with the debt collector. If you are aware that the statute of limitation is reached and you want the debt collector to stop contacting you, send a written letter telling him that your statute of limitation is reached. Hence, you do not want to be contacted any more.
If you owe the money, ignoring it is not that the best option as it will still remain in your credit history. What’s more? Collectors will continue to try to collect the money due. It’s advisable you make a complete payment because partial payment restarts the statute of limitation and leave a chance for you to get sued. Again, interest could be added to the original fees.
On a final note, your rights should not be violated. When necessary, file a complaint with the FTC and your State Attorney General.
Who is Pioneer Credit Recovery?
Pioneer Credit Recovery or PCR is a third-party collection agency based in New York. Navient owns PCR. Navient was created when Sallie Mae was split into two different entities so one handled private student loans and one handled public student loans. PCR specializes in collecting on student loans. In 2015, the Department of Education fired PCR and stopped them from collecting on Government loans.
Address: 26 Edwards Street
Arcade, New York 14009
Phone: (585) 492-1234
Is Pioneer Credit Recovery a Scam?
According to the Better Business Bureau website, Pioneer Credit Recovery has been in business for 33 years. There have been 122 complaints filed against PCR with the BBB in the last 3 years alone. Read more about it here: Pioneer Credit Recovery Better Business Bureau
Pioneer Credit Recovery is often referred to or searched for by other names. These include:
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Pioneer Credit Recovery Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
317-960-1535, 607-304-4461, 317-960-1530, 585-492-1234, (317) 960-1535, (607) 304-4461, (317) 960-1530, (585) 492-1234, 3179601535, 6073044461, 3179601530, 5854921234,
If the answer is yes, then you are receiving calls from a known Pioneer Credit phone number. You may be a victim of PCR phone harassment. Call us now on 877-700-5790 for immediate assistance.
The following is a sample list of complaints filed against Pioneer Credit Recovery in the past year and can be found on Pacer.org.
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 Pioneer Credit Recovery. 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: