Premiere Credit of North America LLC is an Indianapolis-based debt collection agency that specializes in federal student loan collections. If the company is calling you, your federal student loans are almost certainly the reason, since all three major federal lawsuits against the firm involve student loan debt. Student loan collection operates under different rules than credit card or medical debt, which is what this guide covers.
Key Takeaways
- Premiere Credit of North America LLC specializes in federal student loan collections, not standard consumer debt.
- Federal student loans can be subject to administrative wage garnishment without a court judgment, unlike most consumer debts.
- All three major federal lawsuits against the company involve student loan collection, alleging abusive calls, illegal garnishment threats, and unauthorized third-party contact.
- Each unauthorized automated call to your cell phone may be a separate TCPA violation worth $500 to $1,500.
- The FDCPA still applies to how the company collects, even though the underlying debt is a federal student loan.
- The Wood Firm PLLC handles these cases on contingency. You pay nothing unless we win.
Free Case Review: +1-844-638-1122
Who Is Premiere Credit of North America
Premiere Credit of North America LLC is a debt collection agency headquartered in Indianapolis, Indiana. The company has operated for more than 19 years, carries BBB accreditation, and reportedly manages a large portfolio of federal student loan accounts. Its primary focus is federal student loan collections, often working on behalf of guaranty agencies and servicers such as the Educational Credit Management Corporation (ECMC).
This page covers Premiere Credit of North America LLC only. It is not affiliated with Premier Credit Protection, an insurance product, or Premiere Collectibles, a memorabilia company.
Premiere Credit of North America Contact Information
- Location: Indianapolis, Indiana
- Specialty: Federal student loan debt collection
- BBB status: Accredited, operating for 19-plus years
- Common partners: ECMC and similar federal student loan guaranty agencies
- Also searched as: Premier Credit of North America, Premiere Credit of North America LLC, Premier Credit collection agency
Request written debt validation before discussing anything over the phone. The company’s written correspondence generally identifies the original loan, the servicer, and the current balance.
Why Is Premiere Credit of North America Calling You
Premiere Credit contacts consumers almost exclusively about defaulted federal student loans. When a federal loan defaults, the Department of Education or a guaranty agency like ECMC generally assigns the account to a collection contractor, and Premiere Credit is one of those contractors.
Federal student loans carry government collection tools that standard consumer debt does not:
- Administrative wage garnishment. The Department of Education can generally garnish up to 15% of disposable income without a lawsuit or court judgment, and Premiere Credit can initiate that process on the government’s behalf.
- Tax refund offset. Federal and state tax refunds can generally be intercepted and applied to a defaulted federal student loan.
- Social Security offset. A portion of Social Security benefits can generally be withheld for a defaulted federal student loan.
- Credit bureau reporting. A default generally remains on your credit report for seven years from the default date.
These consequences are real, not empty threats. Even so, Premiere Credit still must follow the Fair Debt Collection Practices Act in how it communicates with you. If your loan is in default, federal rehabilitation may let you make nine on-time payments over ten months to remove the default and stop collection activity. Check your options at studentaid.gov before agreeing to any arrangement Premiere Credit proposes.
Is Premiere Credit of North America a Scam or a Legitimate Company
Yes, Premiere Credit of North America LLC is a legitimate, BBB-accredited agency that has operated for more than 19 years, not a scam. Legitimate does not mean every tactic is compliant. Three federal lawsuits described below allege specific violations in how the company collects.
Is Premiere Credit of North America Banned by the FTC
No. Premiere Credit does not appear on any public FTC ban or enforcement action as of this writing. Consumers can still pursue individual FDCPA and TCPA claims in federal court, as the lawsuits below show, or file a complaint with the CFPB or the Federal Student Aid Ombudsman.
What Premiere Credit of North America Cannot Legally Do
Being a federal contractor does not exempt the company from consumer protection law. Regardless of the type of debt, a collector generally cannot:
- Call before 8 a.m. or after 9 p.m. in your time zone
- Use abusive, threatening, or profane language
- Threaten legal consequences it cannot actually pursue
- Contact your employer after being told your workplace prohibits personal calls
- Discuss your loan balance with family members, coworkers, or neighbors
- Make false statements about the amount owed or its legal authority to collect
- Continue calling after a proper written cease-and-desist request
- Use an automated dialing system to call your cell phone without prior consent
That last point matters given the company’s TCPA lawsuit history. Each automated or prerecorded call to your cell phone without consent may be a separate Telephone Consumer Protection Act violation worth $500 to $1,500. The FTC’s debt collection rights resource and the CFPB’s debt collection tools cover these protections in more detail.
How to Respond to Premiere Credit of North America
Because federal student loans involve collection tools that standard consumer debt does not, a more careful response strategy helps here.
- Check studentaid.gov first. Verify your loan status directly with the Department of Education before agreeing to any repayment arrangement, since rehabilitation, consolidation, or income-driven repayment may serve you better.
- Request written debt validation. Within 30 days of first contact, send a certified letter asking for the loan details, current balance, original servicer, and the company’s authority to collect.
- Document every call. Log the date, time, number, and content of each call, and keep any voicemails.
- Send a cease-and-desist if necessary. This stops phone and mail contact, but not administrative tools like tax refund offset or wage garnishment.
- Contact an attorney. Once the company has notice of representation, contact routes through your attorney. Call +1-844-638-1122.
How to Remove Premiere Credit From Your Credit Report
- Student loan rehabilitation is generally the most effective option. Completing it can remove the default notation entirely, which differs from simply paying off the balance.
- Dispute inaccurate entries in writing with Equifax, Experian, and TransUnion. Bureaus must generally investigate within 30 days.
- Pay-for-delete may apply to non-federally held accounts. Get any deletion agreement in writing before paying.
Inaccurate reporting can support a separate claim under the Fair Credit Reporting Act, in addition to any FDCPA violation.
How The Wood Firm PLLC Helps With Premiere Credit Cases
In our practice, we review call logs, letters, and credit reports to identify FDCPA and TCPA violations specific to student loan collection, since the interplay between federal student loan law and consumer protection law creates distinct vulnerabilities. We check whether calls used an autodialer without consent, whether garnishment was threatened without proper process, and whether the company crossed FDCPA lines while collecting.
We handle FDCPA, FCRA, and TCPA cases on contingency, so you pay nothing unless we win, and Premiere Credit generally pays our fees when we prevail. Call +1-844-638-1122.
If Premiere Credit is calling you about a federal student loan, visit our contact page to share the details of your situation.
Frequently Asked Questions About Premiere Credit of North America
Is Premiere Credit of North America legitimate or a scam
Legitimate. Premiere Credit of North America LLC is a BBB-accredited Indianapolis agency operating for more than 19 years. It is not affiliated with Premier Credit Protection, an insurance product, or Premiere Collectibles, a memorabilia company.
Why is Premiere Credit calling me about a student loan
The company specializes in federal student loan collections and acts as a contractor for guaranty agencies including ECMC. If it is calling, your federal loan is likely in default. Check your options at studentaid.gov before agreeing to any repayment arrangement.
Can Premiere Credit garnish my wages without a court order
Yes, for federal student loans specifically. Unlike standard consumer debt, these loans can be subject to administrative wage garnishment without a court judgment, a federal government collection tool rather than a standard creditor right.
Do the FDCPA and TCPA still protect me even though it is a student loan
Yes. The debt being a student loan does not exempt the company from FDCPA rules on how it collects. Calls outside permitted hours, abusive statements, and unauthorized automated calls remain actionable.
What is the difference between Premiere Credit and Premier Credit of North America?
The official legal name is Premiere Credit of North America LLC. “Premier Credit of North America,” without the final “e,” is a common misspelling in consumer searches, and both refer to the same Indianapolis-based agency.
Should I pay Premiere Credit before speaking with an attorney
Consider checking studentaid.gov first to understand your rehabilitation and repayment options. Call +1-844-638-1122 before making any payment or agreeing to any arrangement.
What to Do Next If Premiere Credit Is Calling You
Check studentaid.gov to confirm your loan status before agreeing to anything, and request written validation of the debt from Premiere Credit directly. If calls have involved automated dialing, garnishment threats, or contact with your family, those patterns are worth a closer look. Call +1-844-638-1122 for a free case review with The Wood Firm PLLC.
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection, handling FDCPA, FCRA, and TCPA cases since 2010. He has never represented a creditor or collection agency. He maintains of-counsel relationships with attorneys licensed in fourteen states.
