Praxis Financial Solutions Phone Harassment? Stop the Calls!
Is Praxis Financial Solutions (PFS) calling you? Stop Praxis Financial Solutions 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, the use of deceptive or abusive practices by Praxis Financial Solutions is illegal and needs to stop. You have the legal right to stop PFS 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.
Is Praxis Financial Solutions a Scam?
According to the Better Business Bureau website, Praxis Financial Solutions has been in business for 12 years. There have been 3 complaints filed against PFS with the BBB. Read more here: Praxis Financial Solutions Better Business Bureau.
Who is Praxis Financial Solutions?
Praxis Financial Solutions is third party debt collector located in Lincolnwood, Illinois. They have been a party to over 60 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. Furthermore, a recent Federal Court cases alleges that Praxis Financial Solutions used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. In some cases, a court may issue an order that impacts the company’s ability to collect debts or maintain its licensing status.
Address: 7301 N Lincoln Ave Ste 202 Lincolnwood, IL 60712-1730
Phone: (847) 676-1111
Introduction to Debt Collection
Dealing with debt collection can be a stressful experience, especially when companies like Praxis Financial Solutions Inc start reaching out. Debt collection is the process by which creditors or third-party agencies, such as Praxis Financial Solutions, attempt to recover money owed on overdue accounts. If you’ve fallen behind on payments, your original creditor may hire or sell your debt to a collection agency like Praxis, which then takes over the responsibility of collecting the outstanding balance.
Praxis Financial Solutions, based in Lincolnwood, Illinois, is one of many financial solutions companies that specialize in debt collection services. Their job is to contact consumers by phone, mail, or other means to recover unpaid debts. While debt collectors have the right to seek repayment, they must follow strict laws and guidelines, including those set by the Fair Debt Collection Practices Act (FDCPA), to ensure consumers are treated fairly. Understanding how debt collection works and knowing your rights is the first step in protecting yourself from potential harassment and taking control of your financial situation.
Praxis Financial Solutions Collection Tactics
If Praxis Financial Solutions 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
Praxis Financial Solutions Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 847-676-1111
- 📲 866-611-3411
- 📲 (847) 676-1111
- 📲 (866) 611-3411
- 📲 8476761111
- 📲 8666113411
If the answer is yes, then you are receiving calls from a known PFS number. You may be a victim of PFS phone harassment. The list above is not all the numbers that PFS uses. The calls can be from different phone numbers and it still be Praxis Financial Solutions calling you. Contact our office right away so we can start the process to stop PFS from calling you illegally. Above all, no one should live with harassment!
Consequences of Debt Collection Harassment
Debt collection harassment by companies like Praxis Financial Solutions can have serious consequences for consumers. Repeated, unwanted calls, threatening language, or abusive tactics can cause significant emotional distress, leading to anxiety, stress, and even depression. Harassment can also disrupt your daily life, affect your relationships, and create a sense of fear or embarrassment, especially if debt collectors contact your family, friends, or workplace.
Financially, aggressive debt collection practices can damage your credit score if negative information is reported to credit bureaus, making it harder to secure loans, rent an apartment, or even get a job. In some cases, consumers may feel pressured into making payments they cannot afford, leading to further financial hardship. Importantly, debt collectors who violate the FDCPA or other consumer protection laws may face legal action, and you may be entitled to compensation for damages, including attorney fees. Knowing the consequences of debt collection harassment underscores the importance of standing up for your rights and seeking help if you feel threatened or abused by a debt collector.
Complaints Against Praxis Financial Solutions
The following is a sample list of complaints filed against Praxis Financial Solutions in the past year and can be found on Pacer.gov.
- 🔗 4:13-cv-10581-MAG-RSW Bowling et al v.
- 🔗 1:11-cv-00323-HSO-RHW Rickoll v.
- 🔗 1:10-cv-00080-SM Braley v.
- 🔗 3:10-cv-00627-ARC Hoffman v.
- 🔗 3:09-cv-01374-MRK Rodriguez v.
Deleting Praxis Financial Solutions Debt from Your Credit Report
If Praxis Financial Solutions has reported a debt to your credit report, it can negatively impact your credit score and financial future. However, there are steps you can take to address and potentially remove this information. Start by obtaining a copy of your credit report from all three major credit bureaus—Equifax, Experian, and TransUnion—and carefully review the entry from Praxis Financial Solutions Inc for accuracy. If you find any errors or outdated information, you have the right to dispute the debt directly with the credit bureau. Provide documentation to support your claim, and the bureau is required by law to investigate and respond within 30 days.
In some cases, you may be able to negotiate a pay-for-delete agreement with Praxis Financial Solutions, where they agree to remove the collection account from your credit report in exchange for payment. Be sure to get any agreement in writing before making a payment. If the debt is not valid or Praxis cannot verify it, you can request its removal under the Fair Credit Reporting Act (FCRA). Regularly monitoring your credit report and taking prompt action can help protect your credit and ensure that only accurate, up-to-date information is used by lenders and other financial services. If you need assistance, consider reaching out to a consumer protection attorney or credit repair service for guidance.
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. Rather than suffer alone, contact our office to begin the process to stop the Praxis Financial Solutions 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 Praxis Financial Solutions call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I am thrilled to share my exceptional experience with Scott and the consumer rights law team. Their commitment to resolving my credit issue was unparalleled. From assuring no fees to ensuring the removal of the fraudulent account, their promises were not only met but exceeded. Scott’s guarantee of results was not just rhetoric; they not only recouped damages but went above and beyond, securing the maximum compensation possible. If you’re seeking to remove harmful and inaccurate accounts, I wholeheartedly recommend working with them for unparalleled expertise and results.
- 🏆 I came to Consumer Rights Law Firm in regards to harassment on behalf of a company I was dealing with. We did some research on their actions and found what they were doing was illegal, Scott immediately took action and not only completely resolved the issue, but has also made such a positive impact on me, I feel a huge weight has been lifted off my shoulders. This company and Scott have gone above and beyond to make sure this matter was taken care of! I highly recommend this company!
- 🏆 I recently brought a case to Matthew in regards to a debt I had. He was diligent in handling the case and was very communicative regarding what to expect. He was able to get great results and quick results at that. I highly recommend calling if you need help and are still debating.
Frequently Asked Questions
Q1: Who is Praxis Financial Solutions?
A1: Praxis Financial Solutions (PFS) is a third-party debt collection or accounts receivable management company based in Illinois.
Q2: What is Praxis Financial Solutions phone harassment?
A2: Phone harassment by Praxis Financial Solutions may include repeated calls, calls at odd hours, threatening language, contacting others about your debt, or failing to disclose they are a collector.
Q3: How many calls are too many from a debt collector?
A3: Under the CFPB’s Debt Collection Rule, more than seven calls in seven days from the same debt collector may be considered harassment. Also, the FDCPA prohibits “repeated or continuous” calls intended to harass.
Q4: Can Praxis Financial Solutions call me at work?
A4: If you notify them that you cannot receive calls at your workplace, debt collectors like Praxis should stop calling you at work. Continued calls after notice may violate the law.
Q5: Can they threaten lawsuit, wage garnishment, or arrest?
A5: They may not threaten lawsuits, garnishment, or arrest unless they genuinely intend to follow through and have legal basis. False or misleading threats may violate the FDCPA.
Q6: Can I dispute the debt with Praxis Financial Solutions?
A6: Yes. Under federal law you have the right to request debt validation (proof of the debt) within 30 days after first contact. They must show documentation before continuing collection.
Q7: What laws protect me from harassment by Praxis?
A7: The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive collection practices. Also, the Telephone Consumer Protection Act (TCPA) may limit automated calls.
Q8: Can I sue Praxis Financial Solutions for harassment?
A8: Yes. If Praxis violates the FDCPA or related laws, you may bring a lawsuit to recover damages (statutory, plus attorney’s fees and costs).
Q9: How can I stop the calls from Praxis Financial Solutions?
A9: You can send a written cease and desist letter demanding they stop calling you. Also you can formally dispute the debt and request validation. Keep written logs of all calls, messages, and correspondence.
Q10: What should I do if Praxis contacts my employer or third parties?
A10: Under FDCPA, Praxis should not disclose your debt to your employer, co-workers, friends or neighbors. Contacting third parties should only be for locating you, not to discuss your debt. If they do, that may be a violation.