If you’re receiving constant calls from Windham Professionals about student loan or healthcare debt – sometimes multiple calls daily from numbers like 800-969-0059 – you’re dealing with a family-owned agency marketing a “compliance-driven, personalized approach” but facing federal lawsuits for harassment and misleading collection letters. Searching “Windham Professionals won’t stop calling” or “robocalls scam” often leads people here.
Who Is Windham Professionals?
Windham Professionals is a family-owned, third-party debt collection agency based in Salem, New Hampshire, specializing in higher education, healthcare, government, and commercial debt across all 50 states.
Contact Information:
- Address: 380 Main Street, Salem, NH 03079
- Phone Numbers: (800) 969-0059, (603) 890-3554, (855) 270-2733, (646) 690-6342
- Founded: 1982 (42 years operating)
- Employees: 650+ staff nationwide
- BBB: Registered, 17+ years
Business Details:
- Structure: Privately held, family-owned
- Specialization: Higher education, healthcare, government, commercial
- Coverage: All 50 states
- Model: First-party and third-party recovery
Unlike Collection Attorneys USA, Account Services, Professional Bureau of Collections, or American Debt Management, Windham combines national capacity with boutique-style service.
Is Windham Professionals Legitimate or Running a Scam?
They are legitimate, but facing federal lawsuits for harassment and misleading consumers. Despite “compliance-driven” marketing, multiple FDCPA and TCPA violations are alleged.
Federal lawsuits:
- Moses G. v. Windham (2019, CA): Excessive calls and calling after cease-and-desist
- Thomas D. v. Windham (2015, NY): TCPA violations (robocalls) and harassing third parties
- Class Action (2017, NY): Letter falsely implied disputes must be in writing, violating FDCPA right to dispute verbally
- James v. Windham (2020): Appeal on whether “Validation Notification” misled consumers
- Additional: Lombardo (2012, CT), Aiello (2010, AZ), McMillan (2018), Wells (2017), Mattingly (2017), Rosenblum (2018)
Red flags:
- Calling after cease-and-desist (Moses)
- Robocalls without consent (Thomas)
- Letters implying must be disputed in writing (Class Action 2017)
- Misleading validation language (James)
- Harassing third parties (Thomas)
How to Stop Calls from Windham Professionals
If Windham keeps calling from multiple numbers despite your requests, or they’re using robocalls without consent, responding without protecting yourself first makes things worse. These steps force Windham to follow federal rules. Here’s what stops harassment:
Ask questions before sharing info: When Windham calls, don’t confirm debt. Ask: (1) Your name and agency, (2) Agency address, (3) Original creditor, (4) Can you send written proof? If they refuse, they may violate FDCPA or TCPA. Learn what to say.
Request written validation: Within 30 days, send certified mail demanding: original creditor, amount, proof you owe (contract with signature), proof they’re authorized. See what to do if contacted.
Sample Letter:
[Your Name/Address/Date] Windham Professionals, 380 Main Street, Salem, NH 03079
Re: Account #[if known]
I dispute this debt. Provide: (1) Original creditor, (2) Debt amount with payment history, (3) Proof I owe (contract with signature), (4) Proof you’re authorized, (5) Proof within statute.
I have the right to dispute verbally OR in writing under FDCPA. Any letter implying must dispute in writing violates federal law (2017 NY Class Action).
Cease contact until validation provided. All communications must be in writing.
Document robocalls: If Windham uses automated calls without consent (Thomas allegation), document dates/times. May violate TCPA.
Send cease-and-desist: If continues after request to stop (Moses allegation), send written cease-and-desist via certified mail.
Report to NH authorities: File with NH DOJ Consumer Protection.
If Windham violated federal law, call The Wood Law Firm at +1 844-638-1122.
How to Remove Windham Professionals from Your Credit Report
If Windham appears on your credit report affecting applications, challenging their reporting may be effective given the lawsuit history. Here’s what works:
- Dispute misleading validation: If Windham’s letter implied must dispute in writing (2017 Class Action), but you disputed verbally, and they ignored it, dispute with credit bureaus citing a violation.
- Challenge if can’t validate: If Windham cannot provide complete validation, dispute with all three bureaus as unverified. See credit bureau rights.
- Check statute of limitations: Student loan and medical debts may be beyond the statute if old.
- Verify student loan specificity: If collecting student loan debt, verify whether federal or private, and if valid through the Department of Education.
When Windham Professionals Crosses Legal Lines
You may wonder if what Windham does violates law or is just annoying. Here’s when tactics become illegal:
Calling after cease-and-desist: Continuing after written cease-and-desist (Moses allegation) violates FDCPA.
Robocalls without consent: Automated calls without prior express consent (Thomas allegation) violate TCPA.
Misleading dispute letters: Letters implying must dispute in writing (2017 Class Action) misrepresent FDCPA right to dispute verbally.
Harassing third parties: Discussing your debt with family/friends (Thomas allegation) violates FDCPA.
Misleading validation language: Confusing language that misleads about rights (James) violates FDCPA.
Calling outside legal hours: Before 8 a.m. or after 9 p.m. without permission violates FDCPA.
Know FDCPA protections.
How The Wood Law Firm Stops Windham Professionals’ Harassment
Dealing with a collector marketing “personalized, compliance-driven service” while facing lawsuits for calling after cease-and-desist, using robocalls, and misleading consumers feels frustrating. You followed rules – sent cease-and-desist, disputed debt – but they kept calling.
We specialize in holding collectors accountable when “compliance culture” is just marketing. If Windham called after cease-and-desist, used robocalls without consent, sent misleading dispute letters, harassed third parties, or used confusing validation language, they violated federal law. We can help stop harassment and pursue compensation up to $1,000 plus attorney fees on contingency. Since 2010, A+ BBB rating. Call The Wood Law Firm at +1 844-638-1122.
About Attorney Jeff Wood
Jeff Wood has over 15 years of experience protecting consumers from debt collection violations, specializing in FDCPA and TCPA cases against collectors marketing compliance while violating federal law. Leading a network of attorneys licensed in 14 states, Mr. Wood holds collectors accountable for robocalls, cease-and-desist violations, and misleading letters. A+ BBB rating.
Frequently Asked Questions
1. Is Windham Professionals legitimate?
Yes, but facing federal lawsuits. Operating since 1982, family-owned, BBB registered – but multiple FDCPA/TCPA lawsuits allege harassment, robocalls, misleading letters.
2. Can I dispute debt verbally?
Yes – FDCPA allows verbal and written disputes. 2017 NY Class Action alleged Windham’s letters falsely implied must be in writing.
3. What if Windham keeps calling after cease-and-desist?
Violates FDCPA (Moses allegation). Document dates/times. Send second cease-and-desist referencing first. Contact attorney if continues.
4. Are Windham’s robocalls legal?
Only with prior express consent. Thomas lawsuit alleged TCPA violations. If automated calls without consent, may violate TCPA.
5. Can Windham discuss debt with family?
No – violates FDCPA. Thomas lawsuit alleged harassing third parties. Cannot discuss debt with family/friends/neighbors.
6. What does “Validation Notification” mean?
James lawsuit questioned if misleads consumers. Validation letters must clearly explain rights. If confusing, may violate FDCPA.
7. Can Windham call before 8 a.m. or after 9 p.m.?
No, unless you give permission. FDCPA prohibits outside 8 a.m.-9 p.m. without consent.
8. Should I talk to Windham on the phone?
Ask questions first, don’t confirm debt. Request: name, address, original creditor, written proof. Don’t share info or acknowledge until written validation.
Don’t let Windham’s “compliance-driven” marketing convince you to accept cease-and-desist violations, robocalls, or misleading letters. Call The Wood Law Firm at +1 844-638-1122.
