1. Is Professional Service Bureau legitimate?
Yes, they’re an established debt collector founded in 1972, but legitimacy doesn’t prevent aggressive or unlawful collection practices.
2. What makes Professional Service Bureau different from other collectors?
They operate as an “Extended Business Office” with early account access, specializing in healthcare, student loans, and utilities rather than general collections.
3. Can Professional Service Bureau garnish my wages?
Yes, but only after winning a court judgment. Threats of immediate garnishment without court proceedings violate 15 U.S.C. 1692e.
4. What phone numbers does Professional Service Bureau use?
Common numbers include 763-588-1202, 425-318-1124, and 800-798-1674. Keep detailed logs for evidence.
5. Can I dispute a debt with Professional Service Bureau?
Yes, send written dispute within 30 days requesting validation including original creditor documentation and itemized charges for medical bills.
6. How do I stop Professional Service Bureau from calling?
Send cease-and-desist letter via certified mail invoking rights under 15 U.S.C. 1692c to stop all contact.
7. Can Professional Service Bureau report to credit bureaus?
Yes, they may report collection accounts, potentially lowering your credit score. Dispute inaccurate reporting immediately.
8. What are my rights under FDCPA against PSB?
You can request debt validation, limit contact times and methods, dispute debts, and sue for harassment under 15 U.S.C. 1692k.
9. How do I file a complaint against Professional Service Bureau?
Document all calls and letters, then report to CFPB, BBB, and the Minnesota Attorney General with specific dates and violation details.
10. How can The Wood Law Firm help with PSB harassment?
We stop harassment, file complaints with regulatory agencies, sue for FDCPA violations, and recover up to $1,000 in statutory damages with no upfront costs.
PSB maintains relationships with clients for decades rather than churning through creditors quickly. This creates institutional knowledge about specific accounts and billing systems. It also means they may have better documentation than debt buyers who purchase portfolios with minimal paperwork.
However, long-term relationships can breed complacency about compliance. Collectors who’ve worked accounts for years sometimes develop aggressive habits, believing their tenure justifies tactics that violate FDCPA rules.
Common Professional Service Bureau Violations
Despite their professional positioning, consumers report these violations:
- Excessive Contact: Multiple daily calls violate 15 U.S.C. 1692d regardless of EBO integration
- Time Violations: Calls before 8:00 a.m. or after 9:00 p.m. violate 15 U.S.C. 1692c
- Workplace Harassment: Calling your job after being told to stop violates 15 U.S.C. 1692c
- Third-Party Disclosure: Discussing debts with family or employers violates 15 U.S.C. 1692b
- Abusive Language: Profanity or threats violate 15 U.S.C. 1692d
- False Threats: Threatening wage garnishment or arrest without authority violates 15 U.S.C. 1692e
- Validation Failures: Not providing written debt proof violates 15 U.S.C. 1692g
- Unauthorized Charges: Demanding more than legally owed violates 15 U.S.C. 1692f
- Service Disconnection Threats: Threatening utility cutoffs that they cannot authorize violates 15 U.S.C. 1692e
Document everything: dates, times, collector names, exact statements. Their EBO status doesn’t exempt them from federal law.
Your Rights Against the Professional Service Bureau
Federal law protects you regardless of your specialized model:
- Demand Written Validation: Request proof showing debt legitimacy within 30 days of first contact
- Stop All Contact: Send cease-and-desist letter via certified mail under 15 U.S.C. 1692c
- Dispute Debts: Challenge incorrect amounts or wrong debts in writing
- Control Communication: Specify methods, times, and prohibit workplace contact
- Question EBO Authority: Verify they actually represent the creditor they claim
- Challenge Medical Bills: Request itemized billing showing what services justify charges
- Verify Student Loan Status: Confirm loan type, servicer, and available deferment options
- Sue for Violations: Recover up to $1,000 in statutory damages plus attorney fees
Their integration with creditors’ systems doesn’t grant immunity from FDCPA compliance.
How to Stop Professional Service Bureau Contact
Stop their harassment with these actions:
- Request Debt Validation: Send a written demand via certified mail requesting proof of debt legitimacy and their authority to collect
- Challenge Healthcare Bills: For medical debts, request itemized bills showing every charge, CPT codes, and insurance processing documentation
- Verify Student Loan Details: For education debts, demand loan type verification, original servicer identity, and current federal loan status
- Send Cease-and-Desist Letter: Mail a certified letter invoking rights under 15 U.S.C. 1692c to stop all contact
- Document EBO Violations: Record how they use “customer service” language while conducting illegal collection activity
- File Multiple Complaints: Report to CFPB (consumerfinance.gov), BBB, and Minnesota Attorney General
- Contact The Wood Law Firm: Call +1 844-638-1122 for legal representation
After a cease-and-desist, they can only contact you to confirm cessation or notify you of specific legal action. Their EBO integration doesn’t change these federal requirements.
Lawsuit Against Professional Service Bureau
These cases establish patterns of violations spanning decades despite their long-term client relationships and professional positioning.
How The Wood Law Firm Helps
We specialize in holding specialized collectors accountable when they violate rights. PSB’s EBO model and niche focus create unique vulnerabilities we exploit.
Our Strategy:
- Challenge their “customer service” facade when conducting illegal collection activity
- Document violations in healthcare, student loan, and utility collections, requiring specialized knowledge
- Use their long-term client relationships against them, showing systematic problems rather than isolated incidents
- Expose gaps between professional positioning and actual harassment behavior
- Stop contact within 48 hours through aggressive legal intervention
We handle everything on contingency. You pay nothing upfront. FDCPA requires losing collectors to pay our fees. Their specialized model doesn’t protect them from violations.
Call +1 844-638-1122 for a free case review.
Attorney Jeff Wood’s Approach
Attorney Jeff Wood targets specialized collectors who exploit niche market knowledge while violating consumer rights. PSB’s healthcare, student loan, and utility focus represents exactly the specialized harassment he challenges.
His strategy exposes how specialization enables violations. Collectors who understand medical billing or student loan programs should maintain higher standards, not use their knowledge to intimidate consumers. He’s recovered damages from numerous specialized collectors using their expertise against them.
Clients value his understanding of industry-specific tactics. He knows how medical collectors exploit insurance confusion, how student loan collectors misrepresent federal protections, and how utility collectors threaten disconnections they cannot authorize.
Frequently Asked Questions About Professional Service Bureau
1. Is Professional Service Bureau legitimate?
Yes, they’re an established debt collector founded in 1972, but legitimacy doesn’t prevent aggressive or unlawful collection practices.
2. What makes Professional Service Bureau different from other collectors?
They operate as an “Extended Business Office” with early account access, specializing in healthcare, student loans, and utilities rather than general collections.
3. Can Professional Service Bureau garnish my wages?
Yes, but only after winning a court judgment. Threats of immediate garnishment without court proceedings violate 15 U.S.C. 1692e.
4. What phone numbers does Professional Service Bureau use?
Common numbers include 763-588-1202, 425-318-1124, and 800-798-1674. Keep detailed logs for evidence.
5. Can I dispute a debt with Professional Service Bureau?
Yes, send written dispute within 30 days requesting validation including original creditor documentation and itemized charges for medical bills.
6. How do I stop Professional Service Bureau from calling?
Send cease-and-desist letter via certified mail invoking rights under 15 U.S.C. 1692c to stop all contact.
7. Can Professional Service Bureau report to credit bureaus?
Yes, they may report collection accounts, potentially lowering your credit score. Dispute inaccurate reporting immediately.
8. What are my rights under FDCPA against PSB?
You can request debt validation, limit contact times and methods, dispute debts, and sue for harassment under 15 U.S.C. 1692k.
9. How do I file a complaint against Professional Service Bureau?
Document all calls and letters, then report to CFPB, BBB, and the Minnesota Attorney General with specific dates and violation details.
10. How can The Wood Law Firm help with PSB harassment?
We stop harassment, file complaints with regulatory agencies, sue for FDCPA violations, and recover up to $1,000 in statutory damages with no upfront costs.
Professional Service Bureau calling about healthcare bills, student loans, or utilities? They’re not your typical collector. Operating as an “Extended Business Office,” they access your accounts earlier than standard agencies, often before debts become severely delinquent. If their specialized approach becomes harassment, The Wood Law Firm stops them. Call +1 844-638-1122 now.
Who Is Professional Service Bureau
Professional Service Bureau, Inc. (PSB) operates from Anoka, Minnesota, founded in 1972 as a specialized revenue cycle management partner. Unlike general collection agencies handling all debt types, PSB focuses exclusively on healthcare, student loans, and utilities.
Contact Information:
- Address: 911 Lund Blvd Ste 100, Anoka, MN 55303
- Phone: 763-588-1202
- Other Numbers: 425-318-1124, 800-798-1674
- Alternate Names: Managed Accounts Receivable Services (MARS, LLC), Professional Services Bureau, Collection Service Bureau
The Better Business Bureau lists PSB as operating for nearly 50 years with established credentials. However, multiple federal lawsuits document harassment complaints and FDCPA violations spanning decades.
Is Professional Service Bureau a Scam
No, Professional Service Bureau is not a scam. They’re a legitimate debt collector established in 1972 with long-term client relationships spanning over 40 years in some cases. However, legitimacy doesn’t prevent harassment. Numerous consumer complaints describe aggressive tactics that cross legal boundaries despite their professional positioning.
Their specialized focus on healthcare, student loans, and utilities creates unique pressure points. Medical debt collectors often exploit emotional vulnerabilities around health crises. Student loan collectors leverage fear about credit damage affecting future opportunities. Utility collectors threaten service disconnection even when they lack the authority to do so.
What Makes Professional Service Bureau Different
Professional Service Bureau operates fundamentally differently from typical debt collectors through its “Extended Business Office” model:
Extended Business Office (EBO) Services
Earlier Account Access: Unlike standard collectors who receive accounts only after severe delinquency (90+ days), PSB integrates with clients’ business offices from day one. They handle accounts earlier in the billing cycle, often at 30-60 days past due.
Seamless Integration: PSB positions itself as an extension of the original creditor rather than a separate collection agency. This allows them to access account systems, billing records, and customer information directly.
Relationship Maintenance: Their EBO model claims to maintain customer relationships while collecting debts. In practice, this often means more persistent contact justified as “customer service” rather than collection harassment.
System Conversions: Operating as MARS, LLC, they handle technical billing transitions, insurance follow-ups, and receivables management beyond simple phone calls.
Niche Specialization Impact
Healthcare Focus: Hospitals and medical providers represent major PSB clients. They collect on medical bills, often from patients dealing with health crises or insurance complications.
Student Loan Emphasis: Educational institutions and student loan servicers use PSB extensively. They collect on federal and private student loans with unique legal protections and collection rules.
Utility Specialization: Electric, gas, and water companies employ PSB to collect on unpaid utility bills, sometimes threatening service disconnection to pressure payment.
This specialization means PSB collectors receive industry-specific training. Healthcare collectors understand medical billing codes and insurance processes. Student loan collectors know deferment options and federal loan programs. Utility collectors leverage fear about essential service cutoffs.
Long-Term Partnership Model
PSB maintains relationships with clients for decades rather than churning through creditors quickly. This creates institutional knowledge about specific accounts and billing systems. It also means they may have better documentation than debt buyers who purchase portfolios with minimal paperwork.
However, long-term relationships can breed complacency about compliance. Collectors who’ve worked accounts for years sometimes develop aggressive habits, believing their tenure justifies tactics that violate FDCPA rules.
Common Professional Service Bureau Violations
Despite their professional positioning, consumers report these violations:
- Excessive Contact: Multiple daily calls violate 15 U.S.C. 1692d regardless of EBO integration
- Time Violations: Calls before 8:00 a.m. or after 9:00 p.m. violate 15 U.S.C. 1692c
- Workplace Harassment: Calling your job after being told to stop violates 15 U.S.C. 1692c
- Third-Party Disclosure: Discussing debts with family or employers violates 15 U.S.C. 1692b
- Abusive Language: Profanity or threats violate 15 U.S.C. 1692d
- False Threats: Threatening wage garnishment or arrest without authority violates 15 U.S.C. 1692e
- Validation Failures: Not providing written debt proof violates 15 U.S.C. 1692g
- Unauthorized Charges: Demanding more than legally owed violates 15 U.S.C. 1692f
- Service Disconnection Threats: Threatening utility cutoffs that they cannot authorize violates 15 U.S.C. 1692e
Document everything: dates, times, collector names, exact statements. Their EBO status doesn’t exempt them from federal law.
Your Rights Against the Professional Service Bureau
Federal law protects you regardless of your specialized model:
- Demand Written Validation: Request proof showing debt legitimacy within 30 days of first contact
- Stop All Contact: Send cease-and-desist letter via certified mail under 15 U.S.C. 1692c
- Dispute Debts: Challenge incorrect amounts or wrong debts in writing
- Control Communication: Specify methods, times, and prohibit workplace contact
- Question EBO Authority: Verify they actually represent the creditor they claim
- Challenge Medical Bills: Request itemized billing showing what services justify charges
- Verify Student Loan Status: Confirm loan type, servicer, and available deferment options
- Sue for Violations: Recover up to $1,000 in statutory damages plus attorney fees
Their integration with creditors’ systems doesn’t grant immunity from FDCPA compliance.
How to Stop Professional Service Bureau Contact
Stop their harassment with these actions:
- Request Debt Validation: Send a written demand via certified mail requesting proof of debt legitimacy and their authority to collect
- Challenge Healthcare Bills: For medical debts, request itemized bills showing every charge, CPT codes, and insurance processing documentation
- Verify Student Loan Details: For education debts, demand loan type verification, original servicer identity, and current federal loan status
- Send Cease-and-Desist Letter: Mail a certified letter invoking rights under 15 U.S.C. 1692c to stop all contact
- Document EBO Violations: Record how they use “customer service” language while conducting illegal collection activity
- File Multiple Complaints: Report to CFPB (consumerfinance.gov), BBB, and Minnesota Attorney General
- Contact The Wood Law Firm: Call +1 844-638-1122 for legal representation
After a cease-and-desist, they can only contact you to confirm cessation or notify you of specific legal action. Their EBO integration doesn’t change these federal requirements.
Lawsuit Against Professional Service Bureau
These cases establish patterns of violations spanning decades despite their long-term client relationships and professional positioning.
How The Wood Law Firm Helps
We specialize in holding specialized collectors accountable when they violate rights. PSB’s EBO model and niche focus create unique vulnerabilities we exploit.
Our Strategy:
- Challenge their “customer service” facade when conducting illegal collection activity
- Document violations in healthcare, student loan, and utility collections, requiring specialized knowledge
- Use their long-term client relationships against them, showing systematic problems rather than isolated incidents
- Expose gaps between professional positioning and actual harassment behavior
- Stop contact within 48 hours through aggressive legal intervention
We handle everything on contingency. You pay nothing upfront. FDCPA requires losing collectors to pay our fees. Their specialized model doesn’t protect them from violations.
Call +1 844-638-1122 for a free case review.
Attorney Jeff Wood’s Approach
Attorney Jeff Wood targets specialized collectors who exploit niche market knowledge while violating consumer rights. PSB’s healthcare, student loan, and utility focus represents exactly the specialized harassment he challenges.
His strategy exposes how specialization enables violations. Collectors who understand medical billing or student loan programs should maintain higher standards, not use their knowledge to intimidate consumers. He’s recovered damages from numerous specialized collectors using their expertise against them.
Clients value his understanding of industry-specific tactics. He knows how medical collectors exploit insurance confusion, how student loan collectors misrepresent federal protections, and how utility collectors threaten disconnections they cannot authorize.
Frequently Asked Questions About Professional Service Bureau
1. Is Professional Service Bureau legitimate?
Yes, they’re an established debt collector founded in 1972, but legitimacy doesn’t prevent aggressive or unlawful collection practices.
2. What makes Professional Service Bureau different from other collectors?
They operate as an “Extended Business Office” with early account access, specializing in healthcare, student loans, and utilities rather than general collections.
3. Can Professional Service Bureau garnish my wages?
Yes, but only after winning a court judgment. Threats of immediate garnishment without court proceedings violate 15 U.S.C. 1692e.
4. What phone numbers does Professional Service Bureau use?
Common numbers include 763-588-1202, 425-318-1124, and 800-798-1674. Keep detailed logs for evidence.
5. Can I dispute a debt with Professional Service Bureau?
Yes, send written dispute within 30 days requesting validation including original creditor documentation and itemized charges for medical bills.
6. How do I stop Professional Service Bureau from calling?
Send cease-and-desist letter via certified mail invoking rights under 15 U.S.C. 1692c to stop all contact.
7. Can Professional Service Bureau report to credit bureaus?
Yes, they may report collection accounts, potentially lowering your credit score. Dispute inaccurate reporting immediately.
8. What are my rights under FDCPA against PSB?
You can request debt validation, limit contact times and methods, dispute debts, and sue for harassment under 15 U.S.C. 1692k.
9. How do I file a complaint against Professional Service Bureau?
Document all calls and letters, then report to CFPB, BBB, and the Minnesota Attorney General with specific dates and violation details.
10. How can The Wood Law Firm help with PSB harassment?
We stop harassment, file complaints with regulatory agencies, sue for FDCPA violations, and recover up to $1,000 in statutory damages with no upfront costs.
