🚨Professional Service Bureau Debt Collection Harassment?
Is Professional Service Bureau inc calling you? Stop Professional Services Bureau debt collection harassment. Do they threaten to sue you 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 Service Bureau (prof srv bur) debt collection harassment. Consumers can send a cease and desist letter to stop harassment from debt collectors. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with your attorney fees.
🔎What is a Debt Collection Agency?
A debt collection agency is a company that collects debts on behalf of creditors. When individuals or businesses don’t pay their debts, creditors often turn to these agencies to collect the outstanding balances. Debt collection agencies use various methods to collect debts, including phone calls, letters, and emails, sometimes leading to Professional Services Bureau debt collection harassment. They may also report delinquent accounts to credit bureaus, which can harm a person’s credit score.
Debt collection agencies are regulated by federal laws, including the Fair Debt Collection Practices Act (FDCPA). The FDCPA sets rules for debt collectors to follow, prohibiting them from being abusive or harassing. This includes using abusive or obscene language, making false or misleading statements, or threatening actions they don’t intend to take. Knowing these regulations can help consumers protect themselves from unfair practices.
⚠️Is Professional Service Bureau Inc a Scam?
According to the Better Business Bureau website, Professional Service Bureau has been in business for 47 years. There have been 4 complaints filed against PSB with the BBB.
🔍Who is Professional Service Bureau Inc?
Professional Service Bureau inc debt collection harassment is a third party debt collector located in Anoka, Minnesota. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that PSB collection agency debt collection harassment used illegal and harassing communication tactics to try to coerce a payment from the harassed consumer.
Address: 911 Lund Blvd Ste 100
Anoka, MN 55303-2084
Phone: (763) 588-1202
Professional Service Bureau is often referred to or searched for by other names. These include:
professional services bureau, collections service bureau, professional service bureau collection agency, professional services bureau, collection service bureau, agency service bureau, professional bureau of collections and PSB collection agency
📢Professional Services Bureau Collection Methods
Professional Service Bureau (PSB) uses various methods to collect debts from consumers. Some of these methods include:
- Sending letters and emails to consumers
- Making phone calls to consumers, including calls to their homes, workplaces, and mobile phones
- Reporting delinquent accounts to credit bureaus
- Negotiating settlements with consumers
- Filing lawsuits against consumers who don’t pay their debts
It’s important to know that PSB, like many collection agencies, may use aggressive methods to collect debts. But consumers have rights under federal law, including the Fair Debt Collection Practices Act (FDCPA), which protects them from Professional Services Bureau debt collection harassment or unfair debt collection practices. If you think PSB is using illegal methods, you can take action and protect yourself.
Professional Service Bureau Inc Methods
If Professional Service Bureau inc uses any of the following methods, you may have a case:
- Abusive debt collection practices, which are illegal under the Fair Debt Collection Practices Act (FDCPA).
Professional Service Bureau Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
763-588-1202, 425-318-1124, 800-798-1674, 877-688-2268, 800-388-0013, 763-287-1302, (763) 588-1202, (425) 318-1124, (800) 798-1674, (877) 688-2268, (800) 388-0013, (763) 287-1302, 7635881202, 4253181124, 8007981674, 8776882268, 8003880013, 7632871302
If yes, then you are receiving calls from a PSB number. You may be a victim of Prof Srv Bur debt collection harassment. The list above is not all the numbers that PSB uses. The calls can be from a different number and it still be Professional Services Bureau calling you. Contact our office right away so we can start the process to stop PSB from calling you illegally. Above all, no one should live with harassment!
⚖️Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of debt collectors, including Professional Bureau of Collections. The FDCPA prohibits debt collectors from using abusive or unfair practices, such as:
- Using abusive or obscene language
- Making false or misleading statements
- Threatening to take action that cannot be taken
- Contacting consumers at inconvenient times or places
- Failing to provide consumers with required disclosures
Consumers who believe that PSB or any other debt collector has violated the FDCPA can file a complaint with the Federal Trade Commission (FTC) or their state’s Attorney General’s office. Knowing your rights under the FDCPA can help you stand up against unfair practices and get the justice you deserve.
⚖️Your FDCPA Rights
The Fair Debt Collection Practices Act (FDCPA) provides consumers with several rights when dealing with debt collectors. These rights are designed to protect consumers from Professional Service Bureau debt collection harassment and ensure they are treated with respect and dignity. Key rights under the FDCPA include:
- Right to Be Treated with Respect and Dignity: Debt collectors must act professionally and courteous.
- Right to Be Free from Harassment and Abuse: Debt collectors cannot use abusive or obscene language, threaten or harass you.
- Right to Receive Accurate and Truthful Information: Debt collectors must provide accurate information about the debt, including the amount owed and the name of the creditor.
- Right to Dispute the Debt: You can dispute the debt and request verification. The debt collector must provide evidence that the debt is valid.
- Right to Request that the Debt Collector Stop Calling You: You can send a cease and desist letter to the debt collector and tell them to stop all contact.
- Right to Sue: If a debt collector violates the FDCPA, you can sue.If you think a debt collector has violated your FDCPA rights, you can file a complaint with the Federal Trade Commission (FTC) or your state’s Attorney General’s office. Additionally, seeking the help of a consumer law attorney who specializes in Professional Service Bureau inc debt collection harassment cases can help further.
🧾Your Rights When Dealing with Debt Collectors
When dealing with debt collectors like Professional Service Bureau, consumers have several rights under federal law. These include:
- To be treated with respect and dignity
- To receive accurate and complete information about the debt
- To dispute the debt and request verification
- To request that the debt collector stop contacting you
- To sue the debt collector for violating the FDCPA
You can also request PSB or any other debt collector to provide you with a written validation of the debt, which includes the amount of the debt, the name of the creditor and a statement that the debt will be assumed valid unless you dispute it within 30 days. Knowing and exercising these rights can help you manage your interactions with debt collectors better.
📄Signs of Professional Service Debt Collection Bureau Harassment
Professional Service Bureau Debt collection harassment can take many forms and recognizing these signs is key to protecting your rights. Common forms of harassment include:
- Repeated Calls or Messages: Getting multiple calls or messages in a short period is harassment.
- Threats or Intimidation: Debt collectors may use threats or intimidating language to force you to pay.
- Abusive or Obscene Language: Using foul or abusive language is a clear FDCPA violation.
- False or Misleading Statements: Debt collectors may provide false information about the debt or the consequences of not paying.
- Unauthorized Demands for Payment: Demanding payment for amounts not authorized by the creditor is illegal.
- Failure to Provide Accurate Information: Debt collectors must provide accurate information about the debt, including the amount owed and the creditor’s name.
If you experience any of these, you may be a victim of Professional Service Bureau debt collection harassment. Keep a detailed record of all interactions with the debt collector, including dates, times and the content of the conversations. This documentation will be very helpful if you need to file a complaint or take legal action.Debt collectors are also not allowed to contact you at work if you’ve told them not to or discuss your debt with family or friends. If you feel you’re being harassed, you can send a cease and desist letter to the debt collector, tell them to stop contacting you. You can also file a complaint with the FTC or your state’s Attorney General’s office to get further help and protection.
💢Can Professional Service Bureau Sue Me or Garnish My Wages?
Professional Service Bureau like many collection agencies can sue consumers who don’t pay their debts. If PSB gets a court judgment against a consumer, they can garnish the consumer’s wages or seize their assets.
However, consumers have rights under federal law that protect them from wage garnishment. For example, the FDCPA prohibits debt collectors from threatening to garnish wages unless they intend to do so and have the legal right to do so. If you’re facing wage garnishment or other collection actions, it’s important to seek the help of a consumer law attorney who can help you understand your rights and options.
📝Removing Professional Service Bureau from Your Credit Report
If Professional Service Bureau has reported a delinquent account to a credit bureau, it can hurt your credit score. But consumers have the right to dispute inaccurate or incomplete information on their credit report. To remove PSB from your credit report, you can:
- Dispute the account with the credit bureau
- Request PSB to verify the debt
- Negotiate a settlement with PSB
- Seek the help of a credit repair company or a consumer law attorney
You can also request PSB to delete the account from your credit report in exchange for payment, known as a “pay-for-delete” agreement. However, these agreements are not always enforceable and you should seek the advice of a consumer law attorney before entering into such an agreement. Taking these steps can help you protect your credit score and financial future.
Here are some sample complaints filed against Professional Service Bureau in the past and can be found on Pacer.gov.
2:12-cv-02583-EFM-DJW Meinhardt v. Professional Service Bureau
0:09-cv-02301-DSD-AJB Lofgren v. Professional Service Bureau
0:10-cv-02125-JNE-JSM Perkins-Brevik v. Professional Service Bureau
2:12-cv-00332-EFS Derrick v. Professional Service Bureau
3:12-cv-01231-TJC-JRK Criswell v. Professional Service Bureau
💼Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that represents clients who are facing Professional Service Bureau debt collection harassment, including Professional Service Bureau phone harassment. Instead of suffering alone, contact our office to start the process to stop the Professional Service Bureau debt collection harassment. Our office has been helping consumers since 2010. We have an A+ rating with the Better Business Bureau. Federal laws like the Fair Debt Collection Practices Act (FDCPA) protect consumers from debt collector harassment.
Success Stories
- I can not begin to explain what a life saver Consumer Rights Law Firm is to me. I was being harassed, receiving several calls daily and was told that I was being sued by a collection company. I found the CRLF website and was immediately put into contact with Scott, who told me what they were doing is illegal and he started on my case. I am a ridiculously anxious person and I am fairly young and new to the financial world. I was not sure who to believe or who to trust at this point, but a Scott was extremely reassuring and kept explaining to me that I would pay nothing out of pocket. This was absolutely true! My case was settled in about a month, my debt gone, and I received some money back in the settlement. This company is doing great things for people and their expertise really helped calm my anxiety!
- My experience with Consumer Rights Law Firm was exceptional. I contacted them and spoke with Scott after being harassed for months by a collection agency. He explained everything very thoroughly and guaranteed I would not have to pay anything out of pocket. In a short period of time, everything was settled. Finding this law firm was just what I needed to reduce my stress level. Thank you Scott & Consumer Rights Law Firm for everything you did to help me!
FAQs
Who is Professional Service Bureau and why are they contacting me?
Professional Service Bureau (PSB) is a legitimate debt collection agency based in Anoka, Minnesota. They contact consumers regarding overdue debts that they are attempting to collect.
Is Professional Service Bureau a scam or legitimate?
PSB is a real debt collector with decades of experience, but some consumers report aggressive or borderline harassment tactics.
What counts as harassment under debt collection law?
Harassment includes excessive or repeated calls to annoy, threats, obscene language, calls outside legal hours, or discussing debt with others. Such practices violate the FDCPA.
Can PSB legally call me at work?
Only if you haven’t told them not to. They may only ask for employer information—not discuss debt. Continued calls after a workplace request violate the FDCPA.
Are there limits on when PSB can call me?
Yes. Under federal law, debt collectors can only call between 8 a.m. and 9 p.m. local time, and restrained in frequency.
How do I make PSB stop calling me?
Send a written cease-and-desist letter. Once received, PSB must cease calls except to notify about legal action. Keep records of all communications.
Can I sue PSB for harassment?
Yes. You may sue under FDCPA within one year of violation. Courts may award statutory damages up to $1,000 plus attorney fees, and actual damages if proven.
Does PSB reporting affect my credit score?
Yes. PSB can report unpaid debts to credit bureaus, which can lower your credit score. You have the right to dispute any inaccuracies.
What steps should I take to document PSB harassment?
Log each call with date, time, phone number, and content. Save texts, voicemails, and letters. This record supports any complaint or lawsuit you bring.
Where can I file complaints against PSB?
You may file complaints with the (CFPB), Federal Trade Commission (FTC), or your state attorney general’s office.