Progressive Financial Services Phone Harassment?
Being in debt is a situation most individuals never want to experience, sadly it happens to even the best of us. This might lead to you receiving harassing calls from Progressive Financial Services (PFS). Debt collection agencies such as Progressive Financial Services (PFS) have one goal: RECOVER DEBT! They try to do so in various ways that might not sit well with you the consumer. Some debt collection agencies go as far as threatening the consumer, badgering them with unending calls, calling their workplace, and generally trying to make life impossible for them in their bid to recover a debt. These aggressive tactics are often referred to as debt harassment, which includes any behavior intended to intimidate or pressure you into paying. If you are experiencing any of this, it must be a very frustrating time for you, you definitely would simply want it to stop, and for everything to just go away. Sadly debt doesn’t work like that and debt collectors cannot be wished away. This doesn’t have to haunt you or make you depressed, because there’s good news!
The government has put laws in place that protect you, the consumer from unfair debt collection practices,. These laws are classified as the Fair Debt Collection Practices Act (FDCPA). These laws do not prevent you from paying your debt, rather they prevent debt collection agencies from treating you unfairly or going against your human rights while trying to collect a debt. The FDCPA prohibits collectors from contacting you before 8 am and after 9 pm, it frowns on collectors threatening you or your loved ones, using profane abusive words with you, posing as an attorney or a Government official, trying to make you pay more than you owe or even talking to third parties about your debt when they have no business knowing about it. If you are experiencing progressive financial services calling you repeatedly or aggressively, this could be a violation of your rights under the FDCPA. Progressive financial services harassing you with repeated calls, demanding personal information, or making threats are all examples of improper and illegal debt collection behavior.
The FDCPA also prohibits repeated or continuous calls intended to annoy, abuse, or harass you, which means you have the right to be free from unwanted calls from debt collectors. If you want the calls to stop, you have the right to request that collectors stop calling you, and they must honor your request under the law.
Now that you know what Progressive Financial Services (PFS) is not allowed to do, what then should you do when contacted by a Debt collector? If you are being harassed, you can take legal action to stop progressive financial services from contacting you and put an end to the harassment.
Understanding Debt Collectors
Dealing with a debt collection agency like Progressive Financial Services can be stressful, especially if you’re unsure about your rights or the rules debt collectors must follow. Debt collectors are companies hired to recover money owed to creditors, and while their job is to collect debts, they are strictly regulated by laws designed to protect consumers from unfair and abusive practices.
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors—including Progressive Financial Services—must adhere to fair debt collection practices. This means they cannot harass, threaten, or intimidate you in their attempts to collect a debt. The FDCPA prohibits debt collectors from making repeated, unwanted phone calls, using profane or abusive language, or contacting you at inconvenient times, such as late at night or early in the morning. If you’re experiencing any of these tactics, you may be entitled to recover money and put a stop to the harassment.
Debt collectors are also required by law to provide you with important information about your debt, such as the amount owed and the name of the original creditor. If you request it, they must verify the debt before continuing collection efforts. You have the right to dispute the debt, and you can request in writing that the debt collector stop contacting you. If Progressive Financial Services or any other collection agency violates your rights, you may be able to sue them in federal court and recover damages, including attorney fees and court costs.
In addition to the FDCPA, the Fair Credit Reporting Act (FCRA) regulates how debt information is reported to credit bureaus, helping to protect your credit report from inaccurate or outdated information. Debt collectors are not allowed to contact third parties, such as your family or employer, without your permission, nor can they make false or misleading statements about the amount you owe or threaten actions they cannot legally take, like garnishing your wages without a court order.
What should I do if PFS contacts me?
- Know your rights: You can start by educating yourself on what is permissible by law and what is not. Acquaint yourself with FDCPA laws that tell you when your rights are being violated. It is very possible to sue a debt collection agency when they have broken the law. If you win, you can be awarded up to $1,000 in statutory damages.
- Don’t cower in fear: It would be detrimental to pretend that the debt or debt collection agency does not exist by trying to ignore calls, messages, or even court notices. By law, you can send written requests to the debt collection agency to verify your debt within 30 days of initial contact. It is wise not to dillydally around a debt that isn’t yours because a debt collector can input negative things into your credit report which can stay up to 7 years and can alter your ability to get mortgages, cheaper car Insurances or even jobs.
- Get Legal: It is immensely important to seek legal advice from a consumer lawyer. Find a lawyer who specializes in consumer law as your legal adviser or representative should a debt collector sue you. A lot of times consumers get scared when they receive a court summon which makes the collector win by default even with little evidence of the initial debt owed. If you ever get sued, be sure to make a court appearance. You can get in touch with an A+ credited consumer right lawyer on 877-700-5790. Before you accept any settlement offer or deal from the debt collector, consult with your lawyer to understand the legal implications.
- Always Document: Remember to always keep records. Contacts made to you by debt collection agencies or messages sent and received should be stored. It is also very important to store records of debt settlements and resolutions in case issues concerning your debt arise in the future. Make sure to document any settlement deal offered by the agency, including whether you accept or reject the offer. It is not surprising for people to be contacted over their debt after 10 years, especially student loans.
- Protect your accounts: You can get sued by a debt collection agency as a final attempt to get you to pay up, and the freezing, or monitoring of your bank account by court order can have an adverse effect on your life. To avoid this, consider having a separate account for funds like social security and disability checks, these cannot be used to offset court-ordered debt payments.
Who is Progressive Financial?
Progressive Financial is a national third-party debt collector located in Tempe, Arizona. They have a couple of hundred employees and additional offices in South Dakota and Pennsylvania. Progressive Financial Services works majorly with student loan companies like Sallie Mae. They also handle debt collection for healthcare accounts, demonstrating experience in managing healthcare-related debt recovery. They have been sued in federal court over 280 times for allegedly violating consumer’s rights while collecting on alleged debts.
🏛️ Address: 1919 W Fairmont Dr Ste 8 Tempe, AZ 85282-3183
📞 Phone: (602) 453-8610
Is Progressive Financial a Scam?
PFS is a legitimate collection agency. According to the Better Business Bureau website, Progressive Financial Services has been in business for 24 years and has had 29 complaints filed against them with the BBB during this time. Read more about it here: Progressive Financial Better Business Bureau.
Progressive Financial Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 602-453-8799
- 📲 602-453-8805
- 📲 602-453-8903
- 📲 602-453-8923
- 📲 610-546-4510
- 📲 602-453-8610
- 📲 (602) 453-8799
- 📲 (602) 453-8805
- 📲 (602) 453-8903
- 📲 (602) 453-8923
- 📲 (610) 546-4510
- 📲 (602) 453-8610
- 📲 6024538799
- 📲 6024538805
- 📲 6024538903
- 📲 602453-8923
- 📲 6105464510
- 📲 6024538610
If the answer is yes, then you are receiving calls from a known PFS number. You may be a victim of PFS phone harassment. Call a qualified professional for help on 877-700-5790.
Complaints Filed Against Progressive Financial
The following is a sample list of complaints filed against Progressive Financial in the past year and can be found on Pacer.gov.
- 🔗 4:14-cv-00834-RLW Tangney v.
- 🔗 4:14-cv-01196-HEA Nisbet v
- 🔗 4:16-cv-01182-JAR Warren v.
- 🔗 2:15-cv-06366-JFB-GRB Greenwald v.
- 🔗 2:15-cv-06406-LDW-AKT Burke v.
About Us
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 PFS. 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.
Success Stories
- 🏆 “I was skeptical at first, but Consumer Rights Law Firm PLLC delivered beyond my expectations. The debt collectors who were calling me nonstop suddenly backed off. It felt empowering to finally have someone on my side who knew the law.”
- 🏆 “Professional, efficient, and results-driven. That’s how I would describe my experience with Consumer Rights Law Firm PLLC. They handled my case swiftly and kept me in the loop the whole time. The harassment stopped, and I felt respected throughout the process.”
- 🏆 “I can’t thank Consumer Rights Law Firm PLLC enough. They educated me about my rights and stood up to the debt collectors who were intimidating me. I ended up receiving a settlement, and the calls finally stopped. I would 100% recommend them.”
- 🏆 “After months of dealing with rude and aggressive collection calls, I contacted Consumer Rights Law Firm PLLC. They responded quickly, reviewed my case, and got the calls to stop. It was such a relief to feel protected and heard.”
