Professional Service Bureau Debt Collection Harassment?

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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🚨Professional Service Bureau Debt Collection Harassment?

Is Professional Service Bureau calling you? Stop Professional Service 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 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.

🏛️Debt Collection Agencies

🔎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 Service 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 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.

Professional Service Bureau Better Business Bureau

🔍Who is Professional Service Bureau?

Professional Service Bureau 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 Professional Service Bureau 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 service bureau, collections service bureau, professional service bureau collection agency, professional services bureau, collection service bureau, agency service bureau

📢Professional Service 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 Service 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 Methods

If Professional Service Bureau 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 Professional Service Bureau 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 Service 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 Service Bureau. 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 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

🛑How to Spot Professional Service Bureau Debt Collection 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.

✉️Common Questions

Is PSB a scam?

No, Professional Service Bureau has been in business for 47 years. Debt collection agencies like Professional Service Bureau play a big role in the debt recovery process.

Can Professional Service Bureau garnish my wages?

Yes, PSB can garnish your wages on a Federal Student loan or if they get a judgment from the courts.

Can PSB sue me?

Yes, PSB can sue you so long as the debt is within the statute of limitations

Can PSB report my debt to the collection bureaus?

Yes, Debt collectors can place the collection account on your credit report

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.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.