Debt collectors like Premiere Credit of North America, LLC 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 Premiere Credit of North America violated the law, you will get money damages and they will pay your attorney’s 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.
Premiere Credit of North America is a debt collection agency based in Indianapolis, Indiana, and owned by Performant Financial Corporation (based in Livermore, California) as of 2018. Premiere Credit manages over $14 billion in accounts receivable in more than 4.5 million accounts nationwide.
Premiere Credit of North America is located at 2002 Wellesley Boulevard #100, Indianapolis, IN 46219-2417. The P.O. Box is: PO Box 19309, Indianapolis, IN 46219. The main telephone number is 866-808-7118 and the Director of Compliance number is 855-403-1894. The main website is www.premierecredit.com/.
Like many debt collection agencies, Premiere Credit of North America may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Premiere Credit of North America may be calling you from:
If you want to know just how unhappy consumers are with Premiere Credit of North America, take a look at the 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 the agency will display over 230 lawsuits filed across the U.S., which typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).
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 Premiere Credit of North America 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 Premiere Credit of North America violates the TCPA. Have you received a message from this agency 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 Premiere Credit of North America took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Premiere Credit of North America, like most collection agencies, wants to set up recurring 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 Premiere Credit of North America 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 Premiere Credit of North America 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 are 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.
We will use state and federal laws to immediately stop Premiere Credit of North America’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Premiere Credit of North America 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 attorney’s 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 thousands of consumers stop phone calls. 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 attorney’s fees and costs.
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…
If Premiere Credit of North America 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.
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 attorney’s 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.
Here are some of the Better Business Bureau (BBB) reviews and complaints against Premiere Credit of North America:
“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!”
Although anyone can sue anyone for any reason, we have not seen Premiere Credit of North America 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 Premiere Credit of North America has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.
No, unless they have a judgment. If Premiere Credit of North America has not sued you, then the 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 Premiere Credit of North America has threatened to garnish your wages, contact our office right away.
If you want to settle a debt with Premiere Credit of North America, ask yourself these questions first:
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 Premiere Credit of North America, we at Agruss Law Firm are here to help you.
Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:
We encourage you to post your complaints about Premiere Credit of North America. 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 Premiere Credit of North America 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 attorney’s 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.
You have rights
Robo-callers and debt collectors may be violating the law
We stop the calls
We make sure this number never harasses you again
You get money
Up to $1,000 for harassment, and $500-$1,500 for illegal robocalls
You don't pay a dime
The other side pays our fees and costs.
Harassment Cases Settled
Premiere Credit of north america has collected money from my mother ( who needs a translator ) for over 10 years. They keep on adding to the amount. They will call numerous times a day and week after we have asked them not too. My mother shouldn't even been grated this beauty school loan in the first place as she doesn't understand english nor does she have a high school diploma or ged? This loan is a scam in the beginning!! How do we stop these scammers from taking anymore money from my mom and stop the harassment.
Just received a phone call from Premier Credit about an Indiana state tax debt owed. They said I needed to pay the debt immediately or my bank account would be levied. I asked for documentation of the debt and they said they would send it, but I still needed to pay something by the end of the month to avoid "adverse actions" on my account. I thought I had 30 days from when I received documentation of the debt to respond before they moved forward with levies, etc. The person on the phone told me since it was a state tax debt I didn't have the protection of the FDCPA. That didn't seem accurate. They kept changing their story too. First they wanted the whole amount, then they wanted half now and half in a month, then a third now and two more payments of a third each, then 10% by the end of the month followed by three monthly payments. The whole conversation seemed really weird. Are they lying about the FDCPA? Thanks
I received a letter stating my bank account is on hold what should do I need to pay monthly bills why is it on hold
Hi Monica, Once you told Premiere Credit of North America to stop calling you at work, the must stop calling you at work. It sounds like Premiere Credit of North America violated the Fair Debt Collection Practices Acts ("FDCPA"). If so, you are entitled to money damages up to $1,000.00. Plus, Premiere Credit of North America has to pay your attorney's fees, too. So, you will not owe me a dime. I will contact you to get more information from you. Thanks, Mike.
After asking company to not call employer, they still call. Attempted to ask coworkers about my wages discussing my debt info which is violation which caused employer to become aware of issue
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