Debt collection harassment is an incredibly stressful experience. You should not fight alone if you receive constant calls, threats, or face intimidation tactics from Professional Accounts Services. Many consumers across the country face similar issues with debt collectors, and it’s crucial to understand that these tactics may be illegal. Professional Accounts Services is a collection agency, and while they may seem intimidating, there are laws in place to protect your rights as a consumer.
This article explains everything you need to know about Professional Accounts Services and their debt collection practices. We’ll cover how to identify Professional Accounts Services phone harassment, what actions you can take to stop it, and how The Wood Law Firm can assist you in protecting your rights and obtaining justice.
What is Professional Accounts Services?
Professional Accounts Services (PAS) is a debt collection agency based in Terre Haute, Indiana, and has operated since 1988. The company primarily serves consumers in Indiana and Illinois but can extend its services to other states. While PAS is a legitimate business, it may not always operate within the specifications if the FDCPA.
Suppose you’ve been dealing with relentless phone calls, threats, or bullying from this company. In that case, you need to be aware of your rights. The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive and unfair debt collection practices. If Professional Accounts Services violates these laws, you can take legal action to stop the harassment.
Also read: Professional Service Bureau Debt Collection Harassment
Is Professional Accounts Services a Scam?
While many consumers may be suspicious of Professional Accounts Services, it is essential to clarify that they are not scams. The company has been in business for several decades, as mentioned earlier, and is accredited by the Better Business Bureau (BBB). However, just because a company is legitimate doesn’t mean its practices are always above board.
Debt collectors like Professional Accounts Services must follow strict regulations under the FDCPA. When they fail to do so, they may engage in phone harassment, which is not only frustrating but also illegal. If you’ve been receiving frequent calls and threats or have felt pressured to pay debts you don’t owe, you may be a victim of Professional Accounts Services harassment.
Also read: Core Recoveries Debt Collection Harassment
Your Legal Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to curb abusive practices by debt collectors. This law outlines specific actions that debt collectors are not allowed to take. The FDCPA gives you the right to:
- Stop the Calls: You can request that a debt collector cease communicating with you. Once you formally request, the collector can only contact you to inform you of legal actions.
- Dispute the Debt: If you believe the debt is incorrect or do not owe it, you have the right to dispute it. The collector must provide proof that the debt is valid.
- Seek Compensation: If a debt collector violates the FDCPA, you can sue them for damages. You may be entitled to up to $1,000 in statutory damages, attorney fees, and court costs.
Also read: Account Services Phone Harassment
How to Spot Professional Accounts Services Debt Collection Harassment
Suppose you’re dealing with Professional Accounts Services debt collection. In that case, it’s essential to recognize when their actions cross the line and become harassment. Below are common signs of Professional Accounts Services phone harassment that violate the FDCPA:
Abusive Language or Profanity
Suppose you’ve experienced rude, offensive, or threatening language during your calls with Professional Accounts Services. In that case, this is a clear violation of the FDCPA. Debt collectors are not allowed to use abusive or obscene language to intimidate you.
Excessive Phone Calls
Debt collectors are not allowed to contact you repeatedly or excessively. If Professional Accounts Services calls you multiple times a day, at all hours, or even on weekends, this constitutes harassment. You are entitled to request that they stop these calls.
Contacting You at Inappropriate Hours
Under the FDCPA, Professional Accounts Services cannot call you before 8:00 a.m. or after 9:00 p.m. Receiving calls outside of these hours is illegal. The law is in place to protect consumers from undue stress and harassment.
Discussing Your Debt with Third Parties
It’s a violation of the FDCPA for a debt collector to discuss your debt with anyone other than you. It is illegal if Professional Accounts Services has contacted your family members, neighbors, or coworkers to discuss your debt.
Threatening Legal Action or Repossession
Suppose Professional Accounts Services has threatened to sue you or garnish your wages. Knowing these threats can only happen under specific legal circumstances is essential. If they do not have legal grounds to take such actions, it violates the FDCPA.
Wrongfully Threatening Arrest
While debt collectors may claim that they can arrest you for not paying a debt, they do not have the authority to make such threats. Deb collectors cannot threaten arrest unless you’ve violated a court order or owe a specific type of debt (like unpaid child support).
Also read: Capital Accounts Debt Collection Harassment
How to Protect Yourself from Professional Accounts Services Harassment
If you’re dealing with harassment from Professional Accounts Services, it’s time to take action. Below are practical steps you can take to stop the calls and protect your rights:
Send a Cease and Desist Letter
The first step to stopping Professional Accounts Services harassment is to request that they stop contacting you formally. You can send a written cease-and-desist letter to the company demanding that they cease all communication. Once they receive this letter, they can only contact you to inform you of legal actions (if any).
Keep a Record of All Communications
Document every call, message, and communication from Professional Accounts Services. Note the date, time, the content of the conversation, and any threatening statements made. This documentation will be vital if you decide to take legal action.
Understand Your Rights
The more you understand your rights under the FDCPA, the better prepared you’ll be to challenge Professional Accounts Services. You have the right to dispute the debt, request proof of the debt, and demand that they stop contacting you.
Consult with a Consumer Rights Attorney
If Professional Accounts Services continues to harass you, it’s crucial to contact a law firm that specializes in consumer rights. The Wood Law Firm can help you understand your options, draft cease and desist letters, and pursue legal action if necessary.
Also read: Combat Professional Bureau of Collections Debt Collection Harassment
Known Professional Accounts Services Collection Numbers
Suppose you’re receiving repeated calls from numbers associated with Professional Accounts Services. In that case, you may be a victim of Professional Accounts Services phone harassment. One of the known phone numbers used by this agency is:
- (812) 235-8648
However, debt collectors often use multiple numbers to contact you. Even if the phone number differs, it could still be Professional Accounts Services trying to reach you. If you’re unsure about the number or experiencing harassment, don’t hesitate to call The Wood Law Firm at +1 844-638-1122 for assistance.
Can Professional Accounts Services Sue Me?
Professional Accounts Services can sue you if they believe you owe a debt. Still, they can only do so within the statute of limitations for debt collection in your state. If they win the lawsuit, they may be able to garnish your wages or seize assets. However, Professional Accounts Services must follow the law, and harassment or illegal tactics they employ can be legally contested.
Suppose you are concerned about a potential lawsuit. In that case, it’s essential to consult with an attorney who can help you navigate the legal process and protect your rights.
Can Professional Accounts Services Garnish My Wages?
Debt collectors, including Professional Accounts Services, can garnish your wages if they win a court judgment against you. However, wage garnishment is a legal process and must follow specific rules. If you’re facing potential wage garnishment, an attorney from The Wood Law Firm can help protect your income and advise you on your next steps.
Also read: Advantage Collection Professionals Debt Collection Harassment
Success Stories: How The Wood Law Firm Helps Consumers
At The Wood Law Firm, we’ve helped countless individuals put an end to Professional Accounts Services debt collection harassment Here are just a few of the success stories from clients who’ve benefitted from our expertise:
- Client A: “Debt collectors constantly harassed me. The calls were relentless, and they threatened to take legal action. The Wood Law Firm took care of everything. They helped me stop the calls, and I didn’t pay a dime upfront. I’m so grateful for their help.”
- Client B: ” After the collectors started calling me for a debt I didn’t owe, I contacted The Wood Law Firm. They were able to stop the harassment, and I even got compensation for the stress I endured. I highly recommend them.”
- Client C: “I felt overwhelmed and confused when collectors threatened to sue me. However, The Wood Law Firm helped me understand my rights and took immediate action to stop the harassment. They made the process easy and stress-free.”
Also read: Unique Management Services Debt Collection Harassment
Final Thoughts: Take Action Against Professional Accounts Services Harassment
If you’re dealing with harassment from Professional Accounts Services, you don’t have to suffer in silence. You have the legal right to stop the calls, protect your financial future, and take action against any violations of the FDCPA.
Contact The Wood Law Firm today at +1 844-638-1122 for a free consultation. Our team of experienced attorneys is here to help you fight back against Professional Accounts Services debt collection harassment and make sure your rights are respected.
Don’t let Professional Accounts Services continue to intimidate or harass you. Take control of the situation and take action today.
Some Useful Links:
Consumer Financial Protection Bureau
Indiana Attorney General
