Puget Sound Collections Phone Harassment? Stop the Calls!
Is Puget Sound Collections (PSC) calling you? Stop Puget Sound Collections phone harassment. 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 PSC phone harassment and protect yourself from debt collector harassment. In addition to stopping the harassment, you may also consider negotiating a deal with the collection agency to resolve the debt before legal action is necessary. If a collection agency violates the FDCPA, you may be eligible to receive money for damages, attorney fees, and court costs, with statutory damages up to $1000.00.
Introduction to Debt Collection
Debt collection is the process by which debt collection agencies pursue payment on debts owed by individuals or businesses. Agencies like Puget Sound Collections act on behalf of original creditors—including banks, credit card companies, and providers of medical services—to recover outstanding debts. Understanding how debt collection works is crucial for consumers and businesses alike, as it helps you navigate collection efforts and protect your rights. The process is governed by important federal laws, such as the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which set standards for fair debt collection practices and credit reporting. By familiarizing yourself with these laws and the role of collection agencies, you can better manage your financial obligations and respond appropriately if you are contacted about a debt.
Is Puget Sound Collections a Scam?
According to the Better Business Bureau website, Puget Sound Collections has been in business for 32 years. Puget Sound Collections is a BBB-accredited company, which adds to its credibility. There have been 21 complaints filed against the company with the BBB. Read more here: Puget Sound Collections Better Business Bureau.
Who is Puget Sound Collections?
Puget Sound Collections is a professional debt collection agency and collections agency located in Tacoma, Washington. This company acts as a third-party debt collection agency, providing a range of collection services to recover debts on behalf of original creditors. They have been a party to over 1,700 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. Furthermore, a recent Federal Court case alleges that Puget Sound Collections used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Puget Sound Collections collect on behalf of original creditors, and if their collection activities are not addressed promptly, Puget Sound Collections can hurt your credit score by adding negative marks to your credit report.
🏛️ Puget Sound Collections Address: 10740 Meridian Ave N Ste 200 Seattle, WA 98133-9010
📞 Phone: (800) 922-8932
Puget Sound Collections Collection Tactics
If Puget Sound Collections engages in any of the following tactics, you may have a case. These tactics may violate state and federal laws, including federal law such as the Fair Debt Collection Practices Act (FDCPA):
- ➡️ Using profanity or abusive language
- ➡️ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➡️ 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, or failing to mark the debt as disputed during the investigation process
- ➡️ Trying to collect more than legally allowed
Debt collector harassment is prohibited under both state and federal laws.
Puget Sound Collections Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 800-922-8932
- 📲 206-728-5000
- 📲 253-566-1800
- 📲 (800) 922-8932
- 📲 (206) 728-5000
- 📲 (253) 566-1800
- 📲 8009228932
- 📲 2067285000
- 📲 2535661800
If the answer is yes, then you are receiving calls from a known PSC number. You may be a victim of PSC phone harassment. The list above is not all the numbers that PSC uses. The calls can be from a different number and it still be Puget Sound Collections calling you. Contact our office right away so we can start the process to stop PSC from calling you illegally. Above all, no one should live with harassment!
Credit Reporting and Debt Collection
Credit reporting agencies—such as Experian, Equifax, and TransUnion—compile credit reports that detail your credit history, including any debts and your payment record. When a debt collector like Puget Sound Collections reports a debt to these credit bureaus, it can result in negative marks on your credit report, potentially lowering your credit score. The Fair Credit Reporting Act (FCRA) ensures that all information reported to credit reporting agencies is accurate and up-to-date. If you notice inaccurate information or a debt you don’t recognize on your credit report, you have the right to dispute it. You can also request a debt validation letter from the debt collector, which requires them to provide supporting documentation that verifies the debt is legitimate. Taking these steps helps protect your credit and ensures that only accurate information is reported.
Responding to Debt Collection
When you are contacted by a debt collector, it’s important to know your rights under federal laws like the FDCPA. This law prohibits debt collectors from engaging in abusive debt collection practices, such as harassment, threats, or providing false information. If you believe a debt is inaccurate or you do not owe it, you have the right to dispute the debt and request that all communication be in writing. Responding to debt collection notices promptly and keeping records of all correspondence can help you resolve the situation efficiently. If you feel overwhelmed or unsure about how to proceed, consider seeking help from a professional who understands debt collection law and can guide you through the process.
Protecting Your Rights
Consumers are protected by several important rights when dealing with debt collectors. You have the right to dispute any debt, request debt validation letter, and demand that a debt collector stop contacting you. The FDCPA and FCRA are designed to shield consumers from illegal debt collection practices and abusive debt collection practices. If you believe your rights have been violated, you can file a complaint with the (CFPB) or the Better Business Bureau (BBB). Seeking assistance from a law firm or credit repair professional can also help you assert your rights and resolve disputes with debt collectors or collection agencies.
Suing for Harassment
If a debt collector violates the FDCPA, you have the right to take legal action for debt collection harassment. Consumers may be entitled to recover damages, including up to $1,000 in statutory damages and attorney fees. To build a strong case, keep detailed records of all interactions with the debt collector, including phone calls, letters, and emails. Consulting with a law firm that specializes in debt collection harassment can help you understand your options and pursue the compensation you deserve if a debt collector violates your rights.
Lawsuits and Garnishment
In some situations, debt collectors may file lawsuits to recover unpaid debts. If you are served with a lawsuit, it’s critical to respond by filing an Answer to the Complaint within the required timeframe. Ignoring a lawsuit can result in a default judgment, which may allow the debt collector to garnish your wages or take other legal actions to collect the debt. Consumers can often negotiate a payment plan or debt settlement to resolve the matter before it escalates. Seeking professional legal advice can help you navigate the legal process, protect your rights, and avoid severe financial consequences.
The following is a sample list of complaints filed against Puget Sound Collections in the past year and can be found on Pacer.gov.
- 📋 2:17-cv-02202-CAS-JC ODonnel v.
- 📋 2:96-cv-07955-JW McGill v.
- 📋 3:14-cv-05975-BHS Olivas v.
- 📋 3:18-cv-05910-BHS Chavez v.
- 📋 3:95-cv-05037-RJB Chandler v.
Consumer Rights Law Firm PLLC
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 pride ourselves on providing professional, client-focused service and are committed to ethical practices and exceptional client care. Our team assists clients with a variety of debts, including personal loans, and always prioritizes the protection of your financial information when handling your case. Rather than suffer alone, contact our office to begin the process to stop the Puget Sound Collections 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 harassment from Puget Sound Collections call us at 877-700-5790 or visit our website.
Success Stories
- 🏆 I was overwhelmed by nonstop calls from a debt collector. Consumer Rights Law Firm PLLC stepped in and took care of everything. Their team was responsive, respectful, and most importantly, effective. I finally have peace of mind.
- 🏆 I had no idea I had rights when dealing with debt collectors. The attorneys at Consumer Rights Law Firm PLLC educated me, filed a case, and won a settlement on my behalf. They’re the real deal!
- 🏆 From the first call, I felt like they truly cared. They listened, took my case seriously, and got results. I’m no longer receiving harassing calls, and I couldn’t be more thankful.
- 🏆 Within days of contacting Consumer Rights Law Firm PLLC, the harassment stopped. Their team handled all the legal work while I focused on getting back to normal. Highly recommend them if you’re being bullied by collectors.
Common Questions
Is PSC a scam?
No, Puget Sound Collections has been in business for 21 years.
Can Puget Sound Collections garnish my wages?
Yes, PSC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can PSC sue me?
Yes, PSC can sue you so long as the debt is within the statute of limitations. Making payments or negotiating a settlement on your accounts can help you avoid legal action. Paying off accounts may also help remove Puget Sound Collections from your credit report.
Can PSC report my debt to the collections bureaus?
Yes, debt collectors are allowed to place a collections account on your credit report. Non payment on your accounts can result in negative marks that impact your credit score. If you believe the debt is not yours or is inaccurate, you can have it marked as disputed and request validation from the original creditor.
Can PSC arrest me?
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
