Professional Adjustment Corp Debt Collection Harassment
Is Professional Adjustment Corp calling you ceaselessly? If you have a third-party debt collector like Professional Adjustment Corp aggressively calling you over your unpaid debts, then you are probably unaware of what debt collection practices are prohibited in by federal laws such as the FDCPA and the TCPA. These acts are designed to protect consumers from unfair practices. In the past, many people filed for bankruptcy due to the harassing debt collection practices employed by many debt collectors like Professional Adjustment Corp in a bid to collect a debt; this is one of the reasons why the FDCPA was enacted by congress. We all don’t plan it, but tough financial times do arise, and many people who find themselves in such tough times are unable to pay their debts. Many times, they just wish that the debt collector would stop pestering them while they figure out a workable way to pay off their debts.
Third-party debt collection is one industry that has thrived under the current economic environment. In recent years, people have increasingly acquired more debt and increasingly found themselves struggling to pay it back. Furthermore, the cost of living continues to skyrocket, and people’s income has not kept pace with the exponential increase in how much it costs to live comfortably. This is a major why average Americans continue to acquire more and more debt daily, and debt collectors continue to take advantage of the misfortune of others. Professional Adjustment Corp manages customer accounts by following a process for collecting receivables, which may include collection tactics, legal actions, and compliance with Florida laws and regulations.
When you are in the process of dealing with Professional Adjustment Corp debt collection (PAC), your knowledge is your best weapon. There are federal laws established to protect you by prohibiting the unethical practices of debt collectors. These laws protect you by defining in black and white what is considered as ethical and unethical in Professional Adjustment Corp debt collection practices. They take it a step further by making provisions for you to get justice from an erring debt collection agency. The information provided here is based on experience with typical industry practices and consumer reports.
If you believe that your consumer rights have been violated by Professional Adjustment Corp, call us now on 877-700-5790 to seek immediate assistance.
What do federal laws prohibit debt collection agents from engaging in?
The federal laws that protect your consumer rights outlaw certain actions on the part of debt collectors. According to federal laws, debt collectors like Professional Adjustment Corp cannot:
- Call you multiple times with the intention of annoying you. That is Professional Adjustment Corp phone harassment.
- Threaten legal action or wage garnishment if they do not intend to take action and have an attorney,
- Pretend to be an officer of the law or serve you falsified court documents.
- Threaten actions that violate the dignity of your person and your consumer rights.
- Give you legal advice or pretend to be an attorney if they are not qualified, legal officials.
- Use letters and correspondence that are deceptive, such as using notices that look like court documents,
- Take action with the intent to debase or shame you. Such actions include publishing your name in a newspaper or on social media as a delinquent debtor.
- Refuse your request to validate a debt, especially if the request was made within 5 days from the date of initial contact.
- Pretend to be a government-owned agency,
- Communicate using a recorded message especially for the purposes of advertisement. This is also Professional Adjustment Corp phone harassment.
- Threaten to garnish your paycheck, as they are not authorized to do so.
- Fail to disclose their identity or the agency’s full legal name as it appears on their license,
- Use neighbors or any unauthorized 3rd party to stalk the consumer.
- Collect money not included in the original debt agreement or fail to return an overpayment,
- Collect extra fees or interest.
- Conjure up deceptive documents with the intent to deceive.
- Violate any provision of the Fair Debt Collection Practices Act, the Telephone Consumers Protection Act, or the Fair Credit Reporting act
In addition to these federal protections, state laws may also provide further protections or restrictions regarding debt collection practices, including limits or exemptions on wage garnishments and legal actions.
Does A Third Party Collection Agency Have The Right To Sue You?
As a debtor, here is a friendly advice: Don’t downplay the place of a third party collection agency. You might owe an individual or a company money, but when a debt collector calls about that debt and you have authenticated that it is a legal call it means that they have the right to follow up the payment of the debt. But do they have the right to sue you? Yes they do. However, the likelihood of lawsuits being filed by collection agencies is relatively low, though it remains a possible outcome if other collection efforts fail. Three conditions that can make a debt collector sue you:
- When your debt becomes delinquent: Don’t wait until your due date of payment expires. Save yourself the stress, embarrassment and extra spending and pay off your debts before the due date.
- When you deny that you owe the creditor: Creditors are the original entities or individuals who lent you the money or extended credit, and Professional Adjustment Corp acts on behalf of these creditors to recover the debt. Take responsibility for your debt. If you have problems paying before the due date, let the collection agency know. It’s only good that you don’t run away from a debt you truly owe.
- When you don’t show up during a lawsuit: this is a major disadvantage on your part. Whatever takes you to court against a debt collector, either to find a more suitable way to pay your debt and you do not show up, the debt collector can sue you. This will give the court more reason to garnish your account or levy your wages. Not like this wouldn’t have happened if you couldn’t pay, but you stand little or no chance negotiating.
If you have tried all you could and pulled all possible strings but still cannot pay and you get sued by professional adjustment corporation, face it and get an attorney to defend you. When in court be reasonable and sincere, and if need be, file for bankruptcy. This can reduce the heat of the professional adjustment lawsuit. While lawsuits are possible in debt collection cases, they are not the most common outcome, as most debts are resolved without court action.
Who is Professional Adjustment Corp?
Professional Adjustment Corp is a third-party debt collector located in Fort Meyers, Florida. Professional Adjustment Corp collects debts on behalf of various creditors who have been unable to recover payment themselves. They have been sued in federal court several times for allegedly violating consumer’s rights while collecting on alleged debts.
Contact Information
Address: 14410 Metropolis Ave Fort Myers, FL 33912-4341 Phone: (239) 437-0525 Fax: (239) 437-1073
Is Professional Adjustment Corp a scam?
According to the Better Business Bureau website, Professional Adjustment Corp has been in business since 1998. There have been 10 customer complaints filed against the agency since its inception. Read more about it here: Professional Adjustment Corp Better Business Bureau
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Professional Adjustment Corp Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
239-437-0525, 888-686-0525, 239-437-0527, 239-437-0059, 239-437-0305, 239-437-1706, 239-437-0776, 239-437-0840, 239-437-0820, 239-267-4655, 239-454-0573, 239-790-1965.
If so, you may be a victim of Professional Adjustment Corp debt collection harassment. Call us now on 877-700-5790 to seek immediate assistance
The following is a sample list of complaints filed against Professional Adjustment Corp and can be found on Pacer.org. Many consumer complaints involve issues with inaccurate reporting or communication.
6:18-cv-01372-RBD-TBS Fischer v. Professional Adjustment Corp. of S.W. Fl., Inc.
2:18-cv-00549-JES-MRM Rodriguez v. Professional Adjustment Corp. of SW Florida, Inc.
2:13-cv-02155-HGD Campbell v. Professional Adjustment Corp. of S.W. Florida, Inc.
8:11-cv-02414-MSS-TBM Graham v. Professional Adjustment Corporation
8:11-cv-02414-MSS-TBM Graham v. Professional Adjustment Corporation
If a collection account from Professional Adjustment Corp appears on your credit report, you may try to have it removed or deleted by disputing any inaccuracies or negotiating with the agency. Some consumers attempt to send a goodwill letter to request removal of negative information, but Professional Adjustment Corp does not typically accept goodwill letters to delete or remove accurate negative items from your credit report.
How Professional Adjustment Corp Debt Collection Affects Your Credit Report
Dealing with a debt collection agency like Professional Adjustment Corp can have a lasting impact on your credit report and overall financial health. When Professional Adjustment Corp is assigned to collect a debt from you, they have the authority under the Fair Credit Reporting Act (FCRA) to report your account to the major credit bureaus. This means that if you have an unpaid debt, it can appear as a collection account on your credit report, which can significantly lower your credit score and make it harder to qualify for loans, credit cards, or even rental housing.
It’s essential to understand that the Fair Debt Collection Practices Act (FDCPA) and the FCRA both provide important protections for consumers. These federal laws regulate how debt collectors like Professional Adjustment Corp can interact with you and what information they can report. If you’re unable to pay the debt, or if there are mistakes in the account details, the negative mark can remain on your credit report for up to seven years from the date of the original delinquency. That’s why it’s so important to review your credit reports regularly for errors or outdated information.
If you find that Professional Adjustment Corp has reported a collection account that you believe is inaccurate, you have the right to dispute it with the credit bureaus. Under the FCRA, credit bureaus are required to investigate your dispute and correct any errors. This can help you remove Professional Adjustment Corp from your credit report if the account is found to be incorrect or unverifiable. Additionally, if you’re able to pay or settle the debt, you can negotiate with the debt collector to update the account status, though most collection agencies—including Professional Adjustment Corp—do not typically accept goodwill letters to remove accurate negative information.
It’s also important to verify that you’re dealing with a legitimate debt collection company. Professional Adjustment Corp is a real, established collection agency, not a scam or fake operation. However, always double-check any communication you receive, and consult the Better Business Bureau (BBB) or other reputable sources to review their standing and ensure you’re not being targeted by imposters.
If you’re struggling with a debt that Professional Adjustment Corp is trying to collect, don’t ignore the situation. Take action by reviewing your credit report, disputing any errors, and negotiating a payment or settlement if possible. Remember, you have rights under the FDCPA and FCRA to protect yourself from unfair or abusive debt collection practices. If you believe your rights have been violated, you can file a complaint with the Federal Trade Commission (FTC) or seek help from a credit repair professional.
Staying informed and proactive is essential when dealing with any debt collection agency. By understanding how Professional Adjustment Corp’s actions can affect your credit reporting, you can take the necessary steps to protect your credit, resolve outstanding debts, and move forward with confidence.
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 Professional Adjustment Corp. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at for immediate assistance.
Check out the links below for more information:
https://consumerlawfirmcenter.com/retrieval-masters-credit-bureau-debt-collection-harassment/
https://consumerlawfirmcenter.com/collection-bureau-of-hudson-valley-debt-collection-harassment/