855-267-7451

What Company Is Calling Me From 855-267-7451? Are They A Scam And Why Are They Calling Me?

The company calling from 855-267-7451 is Professional Finance Company (PFC USA), a debt collector based in Greeley, Colorado. They use this number to make collection calls to debtors. To ensure you are not being scammed, always verify the identity of the caller and the debt they are collecting before providing any personal information.

To address the issue of unwanted calls, consider blocking the number, sending a cease and desist letter, and consulting with a credit counselor or attorney for potential legal action. Request written validation of the debt, negotiate payment terms, and keep detailed records of calls and correspondence. If you are unable to resolve the debt amicably, consider exploring legal action, bankruptcy, or other options.

It is important to note that PFC USA has a 1.6-star rating, with mostly negative feedback, but some positive experiences have been reported. Keep in mind that while dealing with debt collectors, it is crucial to remain assertive and maintain clear communication to protect your rights and financial well-being.

How Can I Block Or Stop Calls From 855-267-7451?

To block or stop calls from 855-267-7451, first identify if it’s a debt collector by letting unknown calls go to voicemail. Once confirmed, contact your phone carrier to block the number or use call blocking apps. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone. Next, send a cease and desist letter via certified mail, demanding no further calls. Check your state’s laws for additional protection and invoke those rights in your letter. Consult a non-profit credit counselor to negotiate debt resolution and consider speaking to a consumer protection attorney if the collector violates regulations. Verify the caller’s identity and debt before providing any personal information, and request written validation of the debt. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Blocking calls won’t eliminate any legitimate debts owed, but taking these steps can stop harassment while addressing outstanding debts.

Is 855-267-7451 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from 855-267-7451, which belongs to Professional Finance Company (PFC USA), it’s crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA). To determine if they’re violating the FDCPA, document the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours of 8am – 9pm in your time zone, call repeatedly over a short period, or use abusive language.

If you believe your rights are being violated, take several steps to address the situation. Revoke any prior consent given to call outside normal hours, request they cease contact at your workplace, and send a cease and desist letter via certified mail. You can also verbally request them to stop calling during any conversation. Report any violations, with documentation, to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, or contact your state Attorney General’s office for guidance. Additionally, ask an experienced credit counselor how to address the debt without incurring further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 855-267-7451 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 855-267-7451, it is likely from Professional Finance Company (PFC USA), a debt collection agency. It is crucial to verify the debt’s validity before providing any personal information. To do this, request written validation of the debt and carefully review the details for accuracy. If there are any inaccuracies, dispute them in writing and request removal from your credit report.

Once the debt is validated, consider the following options:

1. Negotiate a lump-sum settlement or a payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
3. Assert your rights under the Fair Debt Collection Practices Act (FDCPA) if the collector violates regulations.
4. Seek guidance from a non-profit credit counseling agency for assistance in negotiating debt resolution.
5. Consult an attorney to explore bankruptcy or legal action against the collector.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to the collector to contact you outside FDCPA guidelines.

Remember, never ignore a potential debt collector. Confirm the debt’s validity and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 855-267-7451 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 855-267-7451 is a debt collector, they have the legal right to sue you for the outstanding debt and potentially garnish your wages or bank accounts if they win a court judgment. To avoid such consequences, take these steps:

1. Negotiate a lump-sum or installment payment plan in writing, demonstrating your good faith effort to repay the debt.
2. Assert your inability to pay and request they stop contacting you.
3. Seek guidance from a non-profit credit counselor to help with the collector on your behalf.
4. Hire a consumer law attorney to better understand your protections under the FDCPA and state laws against unreasonable legal action.
5. Consider bankruptcy if your debts are too overwhelming to manage.
6. Document all communication and your efforts to address the debt, ensuring a clear record.

Before settling on a payment plan, carefully evaluate its affordability, obtain written terms or agreements, and understand that the collector may still sue if you fail to meet the settlement terms. Consult professionals to fully understand your options and rights.

If 855-267-7451 Is A Collection Company, How Can I Remove It From My Credit Report?

If you have received calls from 855-267-7451, which is associated with the debt collection agency Professional Finance Company (PFC USA), you may want to remove it from your credit report. First, ensure the debt is legitimate by requesting written confirmation. If there are inaccuracies, dispute the debt and demand its removal.

If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith settlement, or hiring a credit repair service to assist in the dispute process. You can also wait for the debt to fall off your report after seven years or file a complaint with the Consumer Financial Protection Bureau if the collector violates laws.

For additional help, consult a consumer law attorney to review your case and potential legal options. Keep detailed records of your efforts to resolve the disputed collection account and focus on validating the debt before taking action.

What Feedback And Comments Do People Leave About 855-267-7451?

When you receive calls from the phone number 855-267-7451, it is likely that you are interacting with Professional Finance Company (PFC USA), a debt collection agency based in Greeley, Colorado. Many customers have reported experiencing aggressive tactics, rude customer service, and excessive calls from this number. To handle such situations, it is essential to verify the caller’s identity and the debt they are claiming before sharing any personal information.

To protect yourself, consider blocking the number, sending cease and desist letters, and seeking assistance from credit counselors or attorneys for potential legal action. Requesting written validation of the debt, negotiating payment terms, and maintaining detailed records of calls and correspondence can also be helpful.

While PFC USA has a 1.6-star rating from 221 reviewers, which mostly indicates negative feedback, some customers have reported positive experiences with the company, such as setting up payment arrangements through their online portal, PayPFC. It is crucial to approach calls from 855-267-7451 with caution and take necessary measures to protect your personal information and financial well-being.