Debt collectors like , Inc. cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.THE BEST PART IS…If , Inc. violated the law, you will get money damages and will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.
Who is , Inc.?
, Inc. is a debt collection agency founded in 1995 and based in Dallas, Texas. The agency is not accredited with the Better Business Bureau and has received over 340 formal complaints via the BBB in the past three years, about 80% of which are for billing/collection problems.Consumers allege harassment for debt the consumers do not owe, failure to provide debt-validation, refusal to remove derogatory information from consumers’ credit reports, and other violations of the FDCPA, FCRA, and TCPA.
, Inc.’s Address, Phone Number, and Contact Information
If you want to know just how unhappy consumers are with , Inc., take a look at the number of lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for , Inc. will display over 80 lawsuits filed against the agency in 20 states, most of which involve violations of consumer’s rights and/or the Fair Debt Collection Practices Act (FDCPA).
, Inc. Complaints
The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If , Inc. is harassing you over a debt, you have rights under the FDCPA.The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if violates the TCPA. Have you received a message from , Inc. that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If , Inc. took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. , like most collection agencies, wants to set up reoccurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did , Inc. continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and potential case under the EFTA.The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If , Inc. is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC, and you’re harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.
How do we Use the Law to Help You?
We will use state and federal laws to immediately stop , Inc.’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if , Inc. violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.THAT’S NOT ALL…We have helped hundreds of consumers stop phone calls from , Inc., and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.
What if , Inc. is on my Credit Report?
Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.THE GOOD NEWS IS…The good news is that if , Inc. is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.REMEMBER…Remember: if a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.
Complaints against , Inc.
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by , Inc. Below are some complaints from the Better Business Bureau (“BBB”) and various consumer websites.
“Called to settle debt and representative lied and said client wouldn't accept my offer. I contacted client myself and said she never called them. Had to leave grad school after dealing with loss of a loved one and as a result, had to break my lease. I contacted [them] to settle the account. Representative placed me on hold while she pretended to contact apt complex, but forgot to mute call and instead, spoke to other customers. She got back on the phone after about 5 minutes and said apt agreed to settle for $1400 more than I was offering.”
“I am being harassed about a 486 dollar debt I do not owe. states that Thomaston Crossing sent me to collections. I contacted Thomaston Crossing and they stated that I do not owe any money to them. I have proof that I received a refund of 169.00 from the company that supposedly sent me to collection. I am afraid that this will be reported on my credit report. I am seeking damages from being harassed by this company about a false debt.”
“ is not providing legal proof of ownership, right to collect, right to report, disregarding FDCPA’s number one rule to notify consumer right to cease and desist, and ignoring my civil rights and reporting on my credit illegally and not obeying credit and collection laws.”
Based on over 175 reviews on Google, , Inc. received a 1.3-out-of-5 rating. Here is a snippet of the reviews on Google:
“Worst customer service I’ve ever experienced. A negative attitude speaks multitudes about the company and its employees. I hate that they feel their life is so bad they have to talk down to people the way they do. People like these are what’s so wrong in the world. Good luck dealing with them.”
“AWFUL SERVICE! Long story short I was a victim of fraud. Every time I called in I spoke to a new rep no one really knew the details or even tried to assist me. I was spoken to in such a rude manner even when they admitted to not having my social, I still had to submit proof. Ok fine, docs submitted and still they were RUDE and unprofessional. Words to the wise, not every case you deal with is legit so don't treat people like they are responsible until proven guilty! My company uses for accounts and I am going to recommend a change because they are TERRIBLE.”
“This is the worst company that I have spoken with ever. They have no customer service skills and they are extremely rude and unprofessional. I do not understand how this company is still in business. They lack the bare minimum in customer service. I called to pay a debt and I received nothing but attitude these people are horrible. By the way according to reps online and over the phone they have no managers. They don't deserve the one star.”
Cases We’ve Handled against , Inc.
I THINK YOU’LL AGREE WITH ME WHEN I SAY…Threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here is one case we’ve handled against , Inc.:
Robin S. v. , Inc. – In December 2016, Robin of Tarrant County, Texas, pursued a claim against , Inc. for violations of the Fair Debt Collection Practices Act (FDCPA) and Texas Debt Collection Act (TDCA). Complaints included unlawfully attempting to collect a time-barred debt; repeated harassing phone calls; “abusive or oppressive” behavior when attempting to collect debt, even after the plaintiff requested both verbally and in writing that the agency stop calling; and ongoing harassment even after the agency received a cease-and-desist letter. The case resolved to our client’s satisfaction.
What Our Clients Say about Us
Agruss Law Firm has over 660 outstanding client reviews through Yotpo, an A+ BBB rating, and over 100 five-star reviews on Google. Here’s what some of our clients have to say about us:“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”
Can , Inc. Sue Me?
Although anyone can sue anyone for any reason, we have not seen , Inc. sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If , Inc. has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.
Can , Inc. Garnish my Wages?
No, unless they have a judgment. If , Inc. has not sued you, then that agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If , Inc. has threatened to garnish your wages, contact our office right away.
, Inc. Settlement
If you want to settle a debt with , Inc., ask yourself these questions first:
Do I really owe this debt?
Is this debt within the statute of limitations?
Is this debt on my credit report?
If I pay this debt, will remove it from my credit report?
If I pay this debt, will the original creditor remove it from my credit report?
If I pay this debt, will I receive confirmation in writing from for the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay for delete, or any other legal issue with , Inc., we at Agruss Law Firm are here to help you.
Share your Complaints against , Inc.
We encourage you to post your complaints about , Inc. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!HERE’S THE DEAL!If you are being harassed by , Inc. over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at (888)-572-0176 to stop the harassment once and for all.
Other Phone Numbers That ProCollect May Be Calling From
I paid it back in May on the 7th and they are still calling me and haven’t put anything toward the 300 I owed.
Complaint filed by: Nedra
I have a false claim made against me by ProCollect on be half of Parkview Legend. Can you help me. I sent them verification that I paid this in 2017. Parkview Legend knows now that they received the payment. It is under new management now. I also sent them my bank statement that has the check scan copy and when it was cashed!
Complaint filed by: Alfonso
Hello. My name is Alfonso. I would like to research more about ProCollect Inc. Is there anything else you can think of that we should know or might find helpful prior to contacting you? They damaged my credit score for an alleged debt with an apartment company that I never moved in. It was an application fee that they turned into debt and never informed about it but a year later!
Complaint filed by: Earnistine
Got a call from info collector@pro collect.com and I don't know what it's about. I am ninety years old don't have a e mail and don't know how to do this. My son is my power of attorney!
Complaint filed by: Linda
I collect is calling us everyday about money they are saying we owe from a apt complex we lived for 5 years. I'm afraid this will stop us from moving into a safer apt complex can you help us? Thank you!
Complaint filed by: Martha
I need to speak to a supervisor at this collection agency. I called in to discuss a collection item I have, I was told I had two when I was under the impression I only had one. this gentleman was rude from hello, I was asking information on the 2nd item. I asked if I could just pay the one and let me do a little research on the other and he told me he couldn't he had to get payment on both. He tells me that he is going to note my account as 'refuse to pay', have a good day and he just hangs up. I called back to ask him why didn't he let me respond and just rudely hung up on me. I then asked to speak to a supervisor and he told me there wasn't anyone for me to talk to, I said I know you answer to someone so let me speak to you supervisor. After telling me again there was no one else for me to talk to he placed me on hold for 5 minutes. There is a timer on my phone and I hung up after 5 minutes. I called back and specifically asked to speak to a supervisor, not a rep. I was transferred to another rude person, she answered the phone talking to someone else. VERY UNPROFESSIONAL. I asked if she was a supervisor, she said yes and immediately placed me on hold!
Complaint filed by: Jonathan
Pro collect claims i owe thier client Money for a Energy bill But they refused to give me any information about it A few years ago my Information was stolen and a whole bunch of accounts we’re open with one address But they are refusing to give that address so I don’t know if is that when I’m not Last week I told him about this and they told me to send in the police report Before I could do that they sent a threatening letter When I called them about it they claimed that I said I didn’t want to pay the account nothing about it being fraudulent
Complaint filed by: Larry
Called today in an attempt to put money to some of my debt and they said the number I offered was unacceptable and flat out refused to accept payment also claimed they could only do payment arrangements for upto 12 months. They are not interested in any payments and are clearly around to only waste peoples time and harass them. When I questioned the guy working my account he flat out hung up on me.
Complaint filed by: Jaquell
I’ve been telling them to stop calling but they still do
Complaint filed by: Linda
about 1 year
My husband and I are being called by Procollect saying we owe our former apt.988.00 and we lived there for 5 years.we don't feel we owe this and we are afraid this is going to keep us from moving into a different apt .community
Can you help us?thank you
Complaint filed by: Linda
about 1 year
I collect is calling us everyday about money they are saying we owe from a apt complex we lived for 5 years.I'm afraid this will stop us from moving into a safer apt complex can you help us?!
Complaint filed by: Stephanie
almost 3 years
PROCOLLECT,INC 10509001118XXXX Original Creditor Cirro energy Open Date Dec 31, 2013 Balance $844 Collection Debt I believe I have been harassed by this company several times and would like your help, so I can clear this case.