Your phone won’t stop ringing. Performant Financial calls before 8 AM, during work hours, and late at night. They’ve contacted your family, threatened legal action, and made your life miserable. If you’re exhausted from this constant pressure, you need to know: federal law may be on your side.
Call The Wood Law LLC at +1 844-638-1122 for immediate help. Their team guides you through stopping harassment, validating debts, and pursuing compensation.
What Is Performant Financial Debt Collection?
Performant Financial Corporation, based in California, operates as a major debt collection company. They buy debt portfolios at steep discounts—sometimes paying just pennies on the dollar. This means nearly everything they collect becomes profit, which can lead to aggressive tactics.
When Performant Financial debt collection shows up in your life, your account has typically been labeled “uncollectable” and sold to them. They’re not your original creditor—they’re a third-party collector with different motivations and methods that may cross legal boundaries.
Signs You’re Experiencing Performant Financial Phone Harassment
Not every collection call is illegal, but certain behaviors may violate federal law:
- Calls before 8 AM or after 9 PM in your time zone
- 10+ calls per day designed to overwhelm you
- Workplace calls after you’ve asked them to stop
- Threats of arrest or immediate wage garnishment
- Discussing your debt with family, friends, or coworkers
- Continuing contact after your written cease and desist letter
- False claims about being attorneys or law enforcement
- Abusive language or profanity
Experiencing these? You may have grounds to sue Performant Financial for harassment.
Federal Laws Protecting You
Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act is your primary protection against abusive collectors. If Performant Financial violates it, you may recover:
- Up to $1,000 in statutory damages (no proof of harm needed)
- Additional compensation for emotional distress and lost wages
- Attorney fees paid by the collector, not you
Telephone Consumer Protection Act (TCPA)
The Telephone Consumer Protection Act regulates automated calls. Using autodialers to call your cell phone without written consent may violate federal law.
Each violation = $500 to $1,500 in damages. These add up fast.
Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act ensures accurate credit reporting. When Performant Financial reports false information—wrong amounts, debts that aren’t yours, paid accounts shown as unpaid—they may violate this law.
How to Stop Performant Financial Debt Collection Calls
Step 1: Document Everything
Evidence is crucial. Start tracking:
- Date and time of each call
- Phone numbers used
- Representative names
- What was said (especially threats)
- How it affected you
Save every voicemail, screenshot texts, and keep all letters.
Step 2: Send a Debt Validation Letter
Force them to prove you owe the debt. Send via certified mail demanding:
- Original creditor’s name and address
- Original account number
- Breakdown of all fees and interest
- Proof you’re responsible for this debt
- Copy of original signed agreement
- Proof they own the debt or can collect it
- Verification it’s within your state’s statute of limitations
They must stop collection until providing proper validation.
Step 3: Send a Cease and Desist Letter
The FDCPA gives you the right to stop contact. Your letter should state:
“Under 15 U.S.C. § 1692c(c), I direct Performant Financial Corporation to cease all communication regarding account [number]. Future communication must be limited to: (1) confirming receipt; or (2) notifying me of specific legal action.”
Send via certified mail. After receipt, any other contact may be a violation.
Step 4: Report Performant Financial to CFPB
File complaints to create official records:
- CFPB: www.consumerfinance.gov/complaint
- FTC: reportfraud.ftc.gov
- State Attorney General
- Better Business Bureau
These create paper trails but typically don’t result in compensation. For that, you need legal action.
Step 5: Get Legal Help Against Performant Financial Harassment
The Wood Law LLC specializes in stopping debt harassment from Performant Financial. When you have representation:
- Harassment often stops within 48-72 hours
- Attorneys identify violations you’d miss
- You never speak with collectors again
- Zero upfront costs—contingency only
Explore their approach and advantages.
Call The Wood Law LLC at +1 844-638-1122 for a free consultation.
Can You Sue Performant Financial for Harassment?
Yes. Even if you owe the debt, collectors must follow the law. Violations create legal liability.
Potential Compensation
- FDCPA: Up to $1,000 statutory + actual damages
- TCPA: $500-$1,500 per illegal robocall
- FCRA: Damages for credit harm + statutory amounts
- Attorney fees: Paid separately by the collector
- State laws: May allow additional damages
What You Need to Prove
- Performant Financial contacted you to collect a debt
- They’re subject to the FDCPA
- They violated specific FDCPA, TCPA, or FCRA provisions
- You suffered harm (not required for FDCPA statutory damages)
Common Performant Financial Debt Collector Complaints
The call bombardment: 10-18 calls daily designed to break you down.
Time violations: Calls at 7:30 AM or 9:30 PM violate federal timing rules.
Workplace harassment: Continuing calls after you’ve objected.
Illegal threats: Arrest warnings, immediate garnishment claims, property seizure threats.
Privacy breaches: Discussing your debt with family, coworkers, or neighbors.
Deceptive statements: Inflating amounts, falsely claiming lawsuits, failing to identify as collectors.
Ignoring cease letters: Calling after receiving your cease and desist.
Protect Your Credit and Finances
Monitor Your Credit
Get free reports at AnnualCreditReport.com. Look for:
- Performant Financial accounts
- Duplicate listings
- Incorrect amounts or dates
- Debts that aren’t yours
Dispute Errors
Send disputes via certified mail to both credit bureaus and Performant Financial. Bureaus must investigate within 30 days.
Know Your Statute of Limitations
Each state sets time limits for lawsuits (typically 3-6 years). After expiration, they can’t sue you.
Warning: Making even a small payment may restart the clock. Never pay old debts without consulting an attorney.
Never Give Bank Access
Don’t provide account or routing numbers. Use money orders or one-time card payments you control.
Get Everything in Writing
Before paying anything, demand written confirmation of:
- Payment terms and amounts
- Settlement agreements
- Credit reporting updates
- Zero balance confirmation
Other Collectors The Wood Law LLC Handles
The Wood Law LLC has extensive experience with many collectors:
View their complete list and practice areas.
Frequently Asked Questions
Is Performant Financial legitimate?
Yes, but legitimacy doesn’t prevent violations. If you believe you’re harassed by Performant Financial debt collectors, you have legal rights regardless.
How do I verify they can collect my debt?
Send a debt validation letter via certified mail demanding proof. They must stop collection until providing proper documentation.
Can they sue me for old debt?
Only if it’s within your state’s statute of limitations (typically 3-6 years). Threatening to sue time-barred debt may violate the FDCPA.
What if they threaten to arrest me?
Document it and call an attorney immediately. Consumer debt is civil, not criminal. Threatening arrest may clearly violate federal law. Call +1 844-638-1122 now.
Can I sue if I actually owe the debt?
Absolutely. Your right to lawful treatment exists independently of debt validity. Violations create liability regardless.
Will filing a complaint against Performant Financial stop calls?
CFPB complaints create records but typically don’t stop calls immediately. The most effective approach combines cease letters, validation requests, and legal representation.
Do I pay attorney fees upfront?
No. The Wood Law LLC works on contingency—you pay nothing unless they recover compensation. Performant Financial typically pays your attorney fees separately.
Can they garnish my wages without suing?
No. Wage garnishment requires a lawsuit, judgment, and court order. Threatening immediate garnishment may be false and illegal.
What if they’ve told my family about my debt?
That may violate FDCPA third-party contact rules. Document everything and contact an attorney immediately.
How long do I have to file a lawsuit?
FDCPA violations: typically one year. TCPA: four years. FCRA: two to five years. Act quickly to preserve your rights.
How The Wood Law Firm Can Help
Every day of harassment is unnecessary stress you can eliminate.
Your action plan:
- Document everything starting now
- Send validation and cease letters via certified mail
- File a complaint against Performant Financial with the CFPB and FTC
- Call The Wood Law LLC at +1 844-638-1122 for a free consultation
Federal law protects you. Experienced attorneys enforce those laws on your behalf. The Wood Law LLC can potentially stop Performant Financial debt collection harassment, hold them accountable, and recover compensation.
Don’t delay. Taking control starts with one call to The Wood Law LLC.
Review their privacy policy and terms of service.
Get Your Free Case Evaluation: +1 844-638-1122
Stop letting Performant Financial debt collection control your life. Call today and end the harassment.
