Prince Parker & Associates calling you at work? Contacting your family members? Threatening lawsuits they can’t actually file? These aggressive tactics cross the line from legitimate debt collection into illegal harassment territory.
You have more power than you realize. Federal law under the Fair Debt Collection Practices Act (FDCPA) doesn’t just protect youâit penalizes collectors who break the rules. The Wood Law Firm has spent over a decade helping consumers like you turn the tables on abusive collectors. If Prince Parker & Associates has been harassing you, you could walk away with up to $1,000 in damages without paying a dime in legal fees.
Who Is Prince Parker & Associates?
Prince Parker & Associates is a third-party debt collection agency based in Charlotte, North Carolina, operating for over 25 years. The company has been involved in multiple federal lawsuits concerning allegations of illegal harassment and violations of the Fair Debt Collection Practices Act.
Company Information:
- Address: 8625 Crown Crescent Ct, Suite 200, Charlotte, NC 28227-6795
- Phone: (704) 841-2424
- Years in Business: 25+
- Location: Charlotte, North Carolina
Known Phone Numbers
Be aware of calls from these numbers associated with Prince Parker & Associates:
- (704) 841-2424
- (800) 276-2423
Debt collectors may use different phone lines to reach you. If you receive harassing calls or voicemails from these or other numbers claiming to be PPA, document everything and take action.
Federal Lawsuits Against Prince Parker & Associates
Court records reveal Prince Parker & Associates has faced multiple federal lawsuits alleging FDCPA violations:
Vacarro v. Prince Parker & Associates Inc. (Case No. 2:13-cv-07835-FMO-CW): Allegations of harassment and unlawful communication tactics, with claims the agency engaged in aggressive and illegal debt collection practices.
Trespalacios v. Prince Parker & Associates Inc. (Case No. 1:08-cv-23550-KMM): Lawsuit addressing deceptive practices and harassment, focusing on the agency’s debt collection methods.
Oskam v. Prince Parker & Associates, Inc. (Case No. 3:17-cv-02482-GPC-KSC): Allegations include unlawful communication, threats, and improper handling of debtor information.
These cases demonstrate patterns of alleged illegal conduct that consumers should recognize when dealing with this collector.
Recognizing Illegal Harassment from Prince Parker & Associates
Understanding what constitutes illegal harassment helps you identify when Prince Parker & Associates may be violating your rights:
Calls Outside Legal Hours
The FDCPA prohibits debt collectors from calling before 8:00 AM or after 9:00 PM in your time zone. If Prince Parker & Associates calls outside these hours, they violate federal law regardless of their intent.
Excessive or Repeated Calls
Multiple daily calls intended to pressure or harass violate federal law. While the FDCPA doesn’t specify an exact number, courts have found patterns of repeated calling several times per day or week problematic when combined with harassing intent.
Threats of Legal Action Without Basis
If Prince Parker & Associates threatens to take you to court, garnish your wages, or pursue legal action without valid grounds or intent, these false threats may violate the FDCPA’s prohibition against misleading representations.
Contacting Third Parties About Your Debt
If PPA has discussed your debt with friends, family members, or your employer without your permission, this constitutes a severe violation of the FDCPA. Collectors can only contact third parties to locate you and cannot reveal they’re collecting a debt.
Using Abusive or Threatening Language
Debt collectors must maintain professional communication. If you’ve received threats, aggressive language, profanity, or intimidating messages from Prince Parker & Associates agents, this may violate federal harassment prohibitions.
Your Rights Under the Fair Debt Collection Practices Act
The FDCPA establishes clear rules protecting consumers from abusive debt collection tactics:
- Protection from Harassment: Debt collectors cannot use profane or abusive language, threaten violence, call repeatedly to annoy you, or engage in conduct meant to harass or oppress you.
- Communication Time Restrictions: Collectors can only contact you between 8:00 AM and 9:00 PM in your time zone. They cannot call your workplace after being told your employer prohibits such calls.
- Privacy Protection: Prince Parker & Associates cannot discuss your debt with family members, friends, neighbors, or employers without your explicit consent. Such third-party disclosures violate your privacy rights under federal law.
- Protection from False Threats: Collectors cannot falsely threaten legal actions such as lawsuits, wage garnishment, or imprisonment if these actions are not legally justified or if they don’t intend to pursue them.
- Right to Debt Validation: Within five days of initial contact, Prince Parker & Associates must send a written notice containing the debt amount, original creditor name, and your right to dispute. You have 30 days to request detailed validation in writing.
- Right to Sue for Violations: If Prince Parker & Associates violates the FDCPA, you can sue for statutory damages up to $1,000, actual damages for emotional distress, and attorney fees. The violating collector pays all legal fees under the law.
What to Do If Prince Parker & Associates Harasses You
Taking immediate action protects your rights and creates evidence for potential legal claims:
Document Every Contact Attempt
Keep detailed records of all interactions with Prince Parker & Associates:
- Date and time of each call
- Phone numbers they called from
- Names of agents who contacted you
- Complete details of conversations
- Any threats, abusive language, or false claims made
- Voicemails (save and transcribe recordings)
- All written correspondence
This documentation provides critical evidence if you pursue legal action or file complaints.
Request Written Debt Validation
Send Prince Parker & Associates a written validation request within 30 days of their first contact. Your letter should demand:
- Complete documentation proving the debt’s validity
- Original creditor’s name and contact information
- Proof they own the debt or are authorized to collect it
- Complete payment history
- Documentation showing the debt is within your state’s statute of limitations
Send via certified mail with a return receipt to prove delivery and timing.
Send a Cease and Desist Letter
Federal law requires collectors to stop contacting you after receiving a written cease-and-desist demand. Your letter should clearly state:
“I am exercising my right under 15 U.S.C. § 1692c to demand that Prince Parker & Associates cease all communication with me regarding the alleged debt referenced as account number [insert number].”
Include your name, address, and account number. Send via certified mail with a return receipt.
After receiving this letter, Prince Parker & Associates can only contact you to:
- Confirm they will stop communication
- Notify you of specific lawsuits they’re filing
Any other contact violates federal law.
Contact The Wood Law Firm
If Prince Parker & Associates continues harassment despite your efforts, professional legal intervention becomes necessary. Call ð² 844-638-1122 for a free consultation. We handle all collector communication while building your case for maximum damages.
How Prince Parker & Associates Affects Your Credit Report
Prince Parker & Associates may report collection accounts to credit bureaus, potentially damaging your credit score significantly. Understanding your rights helps you protect your credit.
Fair Credit Reporting Act Protections
The Fair Credit Reporting Act (FCRA) gives you rights regarding credit reporting:
Access to Credit Reports You can obtain free credit reports from all three major credit bureaus (Experian, Equifax, TransUnion) annually through AnnualCreditReport.com. Regular monitoring helps you catch inaccuracies early.
Right to Dispute Inaccuracies If you find errors on your credit report, you have the right to dispute them with credit bureaus. Bureaus must investigate within 30 days and correct inaccuracies or remove unverified information.
Collection Account Duration Collection accounts remain on credit reports for seven years from the date of first delinquency. This timeline cannot be restarted by collection activity or payments.
Disputing Errors with Prince Parker & Associates
If Prince Parker & Associates reports inaccurate information:
- Send written disputes to all three credit bureaus detailing specific errors
- Send disputes directly to Prince Parker & Associates with supporting documentation
- Request debt validation if you don’t recognize the debt or believe the amount is incorrect
- Follow up within 30 days if bureaus or the collector don’t respond
Correcting errors can significantly improve your credit score and financial opportunities.
Important Note About Goodwill Deletions
Most collection agencies, including Prince Parker & Associates, do not accept goodwill letters to remove collection accounts or charge-offs after payment. Don’t rely on promises of deletion without written agreements before making payments.
Negotiating with Prince Parker & Associates
If you decide to negotiate with Prince Parker & Associates, approach the situation strategically:
Know Your Rights Before Negotiating
Understanding your rights under the FDCPA empowers you during negotiations. Knowledge of what collectors can and cannot do helps you negotiate settlements or payment plans that are fair and reasonable.
Be Professional and Prepared
Maintain respectful, professional communication during negotiations. Avoid confrontational approaches, as these can harm your chances of reaching favorable settlements. Have documentation ready including:
- Proof of income and expenses
- Evidence of financial hardship if applicable
- Payment records if you’ve made prior payments
- Any correspondence regarding the debt
Request Settlement Terms in Writing
Never agree to payment terms without written confirmation. Before making any payment, obtain written agreement detailing:
- The exact settlement amount or payment plan
- How payments will be applied to the debt
- Confirmation that agreed payment satisfies the debt completely
- Whether they’ll report the debt as settled or paid in full
- Specific timeline for removing or updating credit report entries
Consider Professional Assistance
If you’re having trouble negotiating with Prince Parker & Associates, consider seeking professional help from The Wood Law Firm. Our experienced attorneys can negotiate on your behalf, ensuring your rights are protected and you receive fair treatment.
Can Prince Parker & Associates Garnish Wages or Sue You?
Prince Parker & Associates can only pursue certain legal remedies under specific circumstances:
Wage Garnishment Requirements
They cannot garnish wages without:
- Filing a lawsuit against you
- Serving you with proper legal notice
- Winning a court judgment proving you owe the debt
- Obtaining a separate wage garnishment order
Threats of immediate wage garnishment without mentioning a lawsuit or judgment may violate the FDCPA.
State Garnishment Protections
Federal law caps garnishment at the lesser of:
- 25% of disposable earnings, or
- The amount by which weekly disposable earnings exceed 30 times the federal minimum wage
State laws may provide additional protections or lower limits.
Lawsuit Time Limits
Prince Parker & Associates can only sue if your debt falls within your state’s statute of limitationsâtypically 3-6 years depending on debt type. After this period expires, the debt becomes time-barred and they cannot legally sue you.
Making payments or acknowledging very old debts can restart the statute of limitations, giving collectors additional time to pursue legal action.
Taking Legal Action Against Prince Parker & Associates
When harassment continues despite your efforts to stop it, filing a lawsuit may be necessary:
What to Expect in Legal Proceedings
Evidence Collection: Gather all records of communication including call logs, voicemails, letters, and documentation of how harassment affected your daily life.
Legal Representation: The Wood Law Firm handles all aspects of your case from investigation through settlement or trial. We work on contingencyâyou pay nothing unless we win.
Potential Outcomes: Successful FDCPA cases result in statutory damages up to $1,000 per lawsuit, actual damages for emotional distress and financial harm, and attorney fees paid by Prince Parker & Associates.
Building a Strong Case
Documentation is key to successful FDCPA claims. Your detailed records of:
- Call frequency and timing violations
- Third-party contact incidents
- Threatening or abusive language
- Refused validation requests
- Continued contact after cease-and-desist
All strengthen your case and increase potential damages recovery.
Client Success Stories
Case 1: Third-Party Contact Violations – $3,200 Recovery
Sarah’s employer received five calls from Prince Parker & Associates discussing her debt over two weeks. These third-party disclosures nearly cost her job. The Wood Law Firm documented the violations and secured $3,200 in damages. All harassment stopped within 48 hours of our involvement.
Case 2: Excessive Calling Stopped – $2,900 Settlement
Marcus received 9-12 daily calls from Prince Parker & Associates for three weeks despite repeatedly asking them to stop. After contacting The Wood Law Firm, we documented the excessive calling pattern and filed suit. We obtained a $2,900 settlement and permanently stopped all collection attempts.
About The Wood Law Firm: Protecting Consumer Rights
The Wood Law Firm has defended consumers against abusive debt collection practices since 2010. We specialize exclusively in Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Telephone Consumer Protection Act violations, maintaining an A+ Better Business Bureau rating.
Our Consumer-Focused Approach
We understand that debt collector harassment creates significant stress and anxiety, affecting your daily life, work performance, and personal relationships. Our team provides compassionate representation while aggressively pursuing maximum compensation for violations. Every client works directly with experienced attorneys who understand federal and state consumer protection laws.
Attorney Jeff Wood’s Experience
Jeff Wood brings over 15 years of consumer protection experience to every case. Licensed in Arkansas, he represents clients in federal courts across Arkansas, Colorado, New Mexico, Texas, Indiana, Michigan, Missouri, Tennessee, and Wisconsin. His extensive federal court experience includes successfully litigating against debt collectors, including Prince Parker & Associates.
Nationwide Legal Network
The Wood Law Firm maintains Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia. This network ensures comprehensive representation regardless of your location.
Why Clients Choose Us
No Upfront Costs: You pay nothing unless we win. Federal law requires violators to pay your attorney fees and damages.
Proven Results: We’ve successfully handled cases against Prince Parker & Associates and other collectors, securing favorable settlements and judgments for clients.
Personal Service: You communicate directly with your attorney throughout the case. We keep you informed at every stage and answer all questions promptly.
Contingency Fee Structure: We only get paid if you win your case, eliminating all financial risk for you.
Free Consultations: We offer free initial case evaluations to discuss your situation without financial pressure or obligation.
Stop the Harassment Today
If you’ve been dealing with Prince Parker & Associates and aggressive collection tactics, don’t wait to seek help. You could be eligible for up to $1,000 in statutory damages plus actual damages for the harassment you’ve endured.
Free Consultation Available Now
Call ð² 844-638-1122 to speak with experienced consumer protection attorneys. During your free consultation, we will:
- Review your situation in complete detail at no cost
- Identify specific FDCPA violations that Prince Parker & Associates committed
- Explain all legal options clearly
- Stop harassment immediately upon retention
- Pursue maximum compensation through settlement or litigation
Important Time Limits: FDCPA claims must typically be filed within one year of violations. Don’t delayâcontact us today to protect your rights and hold Prince Parker & Associates accountable for their illegal conduct.
Don’t let debt collectors intimidate you. Fight back with the help of experienced professionals who understand your rights and will stand by your side every step of the way.
Useful Resource: Federal Trade Commission – Debt Collection FAQs
Frequently Asked Questions
Is Prince Parker & Associates a legitimate debt collection agency?
Yes, Prince Parker & Associates is a legitimate third-party collection agency based in Charlotte, North Carolina, operating for over 25 years. However, legitimacy doesn’t prevent FDCPA violationsâthey’ve faced multiple federal lawsuits alleging illegal harassment and collection tactics.
What laws protect me from Prince Parker & Associates harassment?
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect consumers from abusive, deceptive, and unfair debt collection practices. These federal laws ensure fair treatment, protect privacy, and provide legal remedies when collectors violate your rights.
Can Prince Parker & Associates call me multiple times per day?
Repeated or excessive calls intended to harass may violate the FDCPA. While no specific number automatically constitutes harassment, courts have found patterns of multiple daily calls problematic when combined with harassing intent or pressure tactics. Document all calls and contact an attorney if you believe harassment is occurring.
Can Prince Parker & Associates discuss my debt with family or employers?
No, debt collectors cannot legally disclose your debt to third parties like friends, family members, or employers without your explicit permission. If Prince Parker & Associates has contacted these individuals about your debt, this constitutes a severe FDCPA violation, providing grounds for legal action.
What are my rights under the FDCPA if Prince Parker harasses me?
You have the right to stop harassment through cease-and-desist letters, request debt validation, dispute inaccurate debts, and sue for FDCPA violations. You can potentially receive up to $1,000 in statutory damages plus actual damages for emotional distress, with the collector paying all attorney fees.
Can Prince Parker & Associates garnish my wages or sue me?
They can only garnish wages after filing a lawsuit, winning a court judgment, and obtaining a garnishment order. They can sue if your debt is within your state’s statute of limitations (typically 3-6 years). Threats of immediate garnishment without a judgment may violate federal law.
How do I dispute a debt or error from Prince Parker & Associates?
Send written disputes to credit bureaus detailing specific errors and request debt validation from Prince Parker & Associates within 30 days of initial contact. Send all correspondence via certified mail with return receipt to prove delivery and timing.
What should I document if Prince Parker harasses me?
Keep detailed records of call dates, times, phone numbers used, agent names, conversation content, threats made, abusive language, voicemails, and all written correspondence. This documentation provides critical evidence supporting potential legal claims for damages.
Will paying Prince Parker & Associates remove the account from my credit report?
Paying doesn’t guarantee removal. Most collection agencies, including Prince Parker & Associates, don’t accept goodwill deletion requests after payment. Collection accounts typically remain on credit reports for seven years from the date of first delinquency.
How can The Wood Law Firm help with Prince Parker harassment?
We stop illegal calls immediately upon retention, guide you through the legal process, document FDCPA violations, file lawsuits when necessary, and pursue statutory damages plus actual damages with no upfront costs. We work on contingencyâyou pay nothing unless we win. Call 844-638-1122 for a free consultation.
