Professional Accounts Service Debt Collection Harassment?
Is Professional Accounts Service harassing you with constant phone calls? 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 Professional Accounts Service 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. If Professional Accounts Service violates your rights, you may have a claim under federal law, and a lawyer can help you pursue this claim.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. How you respond to debt collection calls and messages is important, as your response can impact the outcome of the collection process. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Professional Accounts Service a scam?
According to the Better Business Bureau website, Professional Accounts Service has been in business since 1988. There have been 1 complaints closed in the last 3 years and 0 complaints closed out in the last 12 months.
Professional Accounts Service Better Business Bureau
What is Professional Accounts Service?
Professional Accounts Service of Terre Haute, IN, is a full-service collection agency serving Indiana and Illinois since 1988.
Address: 1359 E Margaret Drive Terre Haute, IN 47802-3213
Phone: (812) 235-8648
This is the official telephone number for Professional Accounts Service. Consumers should use this telephone number when contacting the company regarding any disputes or complaints.
Professional account services are subject to legal regulations and consumer protections, so consumers should be aware of their rights when dealing with such services.
Professional Accounts Service Phone Harassment Examples
If Professional Accounts Service engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you at an unusual time or not at a convenient time based on your consumer’s location (for example, before 8:00 a.m. or after 9:00 p.m. local time)
- Sending you harassing text messages
- 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
- Failing to confirm or provide accurate account details during communication
- Refusing to verify the debt when requested
- Failing to provide documentation such as old bills to support the debt
- Trying to collect more than legally allowed
Known Professional Accounts Service Collection Call Numbers
Are you receiving any harassing phone calls from any of the following numbers? You may be contacted by Professional Accounts Service through these numbers.
(812) 235-8648
If the answer is yes, then you are receiving calls from a known Professional Accounts Service number. You may be a victim of Professional Accounts Service phone harassment. The list above is not all the numbers that Professional Accounts Service uses. The calls can be from a different number and it still be Professional Accounts Service calling you. Repeated attempts to contact you from different numbers may also constitute harassment. Contact our office right away so we can start the process to stop Professional Accounts Service from making further attempts to contact you illegally. Above all, no one should live with harassment!
Debt Collector Responsibilities
Debt collectors, including Professional Accounts Service and other collection agencies, are required by law to follow strict guidelines designed to protect consumers from unfair, deceptive, or abusive debt collection practices. The Fair Debt Collection Practices Act (FDCPA) is the primary federal law that sets these standards, and the Federal Trade Commission (FTC) is responsible for enforcing them. State laws may also provide additional protections, so it’s important for both debt collectors and consumers to be aware of the rules that apply in their specific location.
When a debt collector first contacts you, they must provide clear and accurate information about the debt. This includes the amount owed, the name of the original creditor, and details about your account. Debt collectors are also required to inform you of your right to dispute the debt and to request verification in writing. If you believe the information is inaccurate or you do not recognize the debt, you have the right to dispute it within 30 days of the initial communication.
Debt collectors must respect your preferences regarding communication. If you request in writing that a collection agency stop contacting you—commonly done through a cease and desist letter—they are legally obligated to honor your request, except to notify you of specific actions such as legal proceedings. They are also prohibited from calling you at unusual or inconvenient times, such as before 8 a.m. or after 9 p.m. local time, or at your workplace if you have informed them that such calls are not allowed.
Under fair debt collection practices, debt collectors cannot use threats, abusive language, or make false or misleading statements about your debt, your credit, or the consequences of not paying. They are not allowed to attempt to collect debts that you do not owe, or to misrepresent their identity or the amount you owe. Repeated or excessive phone calls, threats of legal action that they cannot or do not intend to take, and sharing information about your debt with third parties are all violations of federal law.
To protect yourself, always keep detailed records of all communications with debt collectors, including phone numbers, dates, times, and the content of each call or message. If you make payments, ensure you are paying the correct amount to the legitimate debt collector, and keep receipts or confirmation numbers for your records. Never provide personal or financial information until you have verified the debt and the identity of the collection agency.
If you feel you are being harassed or that a debt collector is violating your rights, you can file a complaint with the Federal Trade Commission, your state Attorney General’s office, or seek the advice of a qualified attorney. Many consumers also find it helpful to consult with a credit counseling agency or explore debt relief options such as debt management plans or debt consolidation.
Common Questions:
Is Professional Accounts Service a scam? No, Professional Accounts Service has been in business since 1998.
Can Professional Accounts Service seize my property? Professional Accounts Service can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can Professional Accounts Service sue me? Yes, Professional Accounts Service can sue you so long as the debt is within the statute of limitations. Whether or not a lawsuit is possible may depend on state law and the specific circumstances of your obligation, such as the type of consumer debt, the actions of creditors, and whether the collector is attempting to collect in good faith.
Can Professional Accounts Service report my debt to the collections bureaus? Yes, they can report your debt to the credit bureaus. It is important to check your credit report for inaccurate information, such as debts related to identity theft or errors involving your bank account, and dispute any inaccuracies under the Fair Credit Reporting Act (FCRA).
Can Professional Accounts Service arrest me? No, you cannot be arrested for failing to pay a consumer debt.
The following is a sample list of complaints filed against Professional Accounts Service and can be found on Pacer.org.
2:19-cv-00603-JMS-DLP KHAN v. PROFESSIONAL ACCOUNTS SERVICE, INC.
2:19-cv-00013-JMS-MJD ORMAN v. PROFESSIONAL ACCOUNTS SERVICE, INC.
1:18-cv-03508 Willis v. Professional Accounts Service Inc.
2:18-cv-00058-JMS-MJD ORMAN v. PROFESSIONAL ACCOUNTS SERVICE, INC.
1:17-cv-04442-JMS-DML DODSON v. PROFESSIONAL ACCOUNTS SERVICE, INC.
Companies like Professional Accounts Service are subject to both federal laws and state law, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Consumers have the right to dispute debts, request verification, and seek services from lawyers or credit counselors. If you have already paid the debt, you should provide documentation to show the debt has been paid, and that you are no longer under an obligation to pay. Debt collectors must send a validation notice within five days of initial contact, and you have the right to request verification of the debt. For example, if you ignore collection attempts, you might lose certain rights, such as the right to dispute the debt or avoid additional fees. Some debts may not be legally enforceable depending on the circumstances, such as if the debt is too old or if the collector is not acting in good faith. Collecting on consumer debt must be done in compliance with all relevant laws, and creditors and banks are also subject to regulatory oversight. Insurance companies may use credit reports to determine premiums, and inaccurate information could affect your ability to obtain insurance. If you have concerns about debt collection practices, you can request a free consultation with a lawyer or credit counselor.
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. We offer a free consultation to discuss your case and explain your rights. Our services include legal assistance, dispute resolution, and compliance support to help consumers stop debt collection harassment and navigate legal actions against debt collectors. Rather than suffer alone, contact our office to begin the process to stop the Professional Accounts Service 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 even more harassment from Professional Accounts Service, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, the calls still continued, it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately, they were able to put some money in my pocket as well, Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights”
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agencies in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer.”
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”
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