If you’re experiencing Performant Financial Corp debt collection harassment, you’re dealing with one of the nation’s largest debt collection agencies. Many consumers report aggressive tactics, relentless phone calls, and questionable collection methods from this company. The good news is that federal law provides strong protections, and The Wood Law Firm can help you fight back and potentially recover compensation.
Understanding Performant Financial Corp Phone Harassment
Performant Financial Corporation operates as a major debt collection agency that handles various types of accounts, including student loans, healthcare receivables, and other consumer debts. While they claim to follow legal guidelines, many consumers report experiences that may cross the line into harassment.
If you believe you’re experiencing Performant Financial Corp phone harassment, you might notice:
- Multiple calls per day, sometimes dozens of calls weekly
- Contact at inappropriate times (early morning or late evening)
- Calls to your workplace despite requests to stop
- Aggressive or threatening language from collectors
- Attempts to collect debts you don’t recognize
- Failure to provide adequate verification when you dispute the debt
These behaviors may potentially violate the Fair Debt Collection Practices Act (FDCPA), which protects consumers from abusive collection tactics. Understanding what constitutes harassment is your first step toward stopping it and holding collectors accountable.
How to Stop Performant Financial Corp Debt Collection Harassment
Taking control of your situation and learning how to stop Performant Financial Corp debt collection harassment starts with knowing your rights and taking strategic action. Here’s what you can do immediately:
Document Everything Thoroughly
Detailed documentation is crucial if you decide to take legal action. Keep comprehensive records of every interaction with Performant Financial Corp:
- Call logs: Date, time, duration, and caller ID information
- Conversation details: What was said, any threats made, tone of the conversation
- Voicemails: Save all messages (check if your state allows recording)
- Written correspondence: Letters, emails, or text messages
- Impact documentation: Notes about how the harassment affects your daily life
This evidence can become the foundation of a strong case if Performant Financial Corp has violated your rights.
Exercise Your Right to Request Debt Validation
Within 30 days of first contact from Performant Financial Corp, you have the legal right to request validation of the debt. Send a written letter via certified mail asking them to prove:
- That the debt belongs to you
- The exact amount they claim you owe
- That they have the legal authority to collect this debt
- Information about the original creditor
Once they receive your validation request, they must cease collection activities until they provide adequate proof. If they continue calling without providing validation, this may constitute a violation of federal law.
Send a Cease and Desist Letter
If you want to stop Performant Financial Corp debt collection calls completely, send a written cease request via certified mail with a return receipt. This letter should clearly state that you want all communication to stop immediately.
After receiving this letter, Performant Financial Corp may only contact you to:
- Confirm they received your request
- Notify you they’re ceasing communication
- Inform you of specific legal action they intend to take
Any other contact after they’ve received your cease letter may be a violation of the FDCPA.
What Constitutes Performant Financial Corp Debt Collector Complaints?
Numerous consumers have filed Performant Financial Corp debt collector complaints with regulatory agencies and consumer advocacy groups. Common issues that may indicate potential violations include:
Potentially Unlawful Practices:
- Calling excessively with the intent to annoy or harass
- Using threatening or abusive language
- Contacting third parties (family, friends, employers) about your debt
- Misrepresenting the amount you owe or their authority to collect
- Threatening legal action they don’t intend to take or cannot legally pursue
- Continuing collection efforts after you’ve disputed the debt without providing validation
- Calling outside the legally permitted hours (before 8 AM or after 9 PM)
If you’ve experienced any of these behaviors, you may have grounds for legal action. The Fair Debt Collection Practices Act specifically prohibits these types of collection tactics, and violations can result in significant penalties for the collector.
Can You Sue Performant Financial Corp for Harassment?
Absolutely. If you believe Performant Financial Corp has violated your rights, you may be able to sue Performant Financial Corp for harassment and potentially recover damages. The FDCPA gives consumers the right to take legal action against debt collectors who engage in unlawful practices.
Grounds for Legal Action
You may have a valid lawsuit if Performant Financial Corp:
- Continued calling after receiving your written cease request
- Contacted you repeatedly with the intent to harass or annoy
- Used threatening, profane, or abusive language
- Called you outside permitted hours consistently
- Disclosed your debt to unauthorized third parties
- Misrepresented the debt amount or their legal authority
- Threatened legal action without legitimate intent to follow through
- Failed to provide debt validation after you requested it
Potential Compensation
If you can prove violations of the FDCPA, you may be entitled to:
- Statutory damages: Up to $1,000 per lawsuit, regardless of actual harm
- Actual damages: Compensation for emotional distress, lost wages, or other harm
- Attorney’s fees and costs: The court may order Performant Financial Corp to pay your legal expenses
This means you can pursue justice without worrying about upfront legal costs. The Wood Law Firm works to hold debt collectors accountable and secure the compensation you deserve.
Report Performant Financial Corp to CFPB: Take Official Action
One powerful way to address Performant Financial Corp’s debt collection harassment is to report Performant Financial Corp to the CFPB (Consumer Financial Protection Bureau). This federal agency has enforcement authority over debt collectors and investigates consumer complaints.
Why File a CFPB Complaint?
Filing with the CFPB serves multiple purposes:
- Creates an official record: Your complaint becomes part of a government database
- Triggers a response: Performant Financial Corp must respond within 15 days
- Identifies patterns: Multiple complaints can trigger investigations
- Supports legal action: CFPB complaints can strengthen your case if you sue
- Free and accessible: The process costs nothing and is relatively simple
How to File Your Complaint
Visit the CFPB website at www.consumerfinance.gov/complaint or call their toll-free number. You’ll need to provide:
- Your contact information
- Details about Performant Financial Corp
- Description of what happened
- Dates and documentation of the harassment
- How has the situation affected you
The CFPB will forward your complaint to Performant Financial Corp, which must investigate and respond. While this alone may not result in compensation, it’s a crucial step in holding them accountable.
You can also file complaints with the Federal Trade Commission and your state attorney general’s consumer protection division to create additional pressure on the collector.
Legal Help Against Performant Financial Corp Harassment
Finding experienced legal help against Performant Financial Corp harassment can transform your situation from feeling helpless to taking control. The Wood Law Firm specializes in consumer protection cases and has helped thousands of clients fight back against aggressive debt collection tactics.
Why The Wood Law Firm?
At The Wood Law Firm, our mission is simple: to protect consumers from predatory practices and ensure they receive the fair treatment they deserve. We specialize in cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA).
For over a decade, we have fought tirelessly to hold companies accountable and to secure justice for our clients. Choosing The Wood Law Firm means partnering with a team that is deeply committed to your cause. We understand the stress and frustration that comes with facing unfair consumer practices, and we are here to stand by your side every step of the way.
Our Approach to Your Case
When you work with The Wood Law Firm, we provide:
Comprehensive Case Evaluation: We review your documentation and assess potential violations of federal law.
Strategic Action Plan: We develop a customized approach based on your specific situation and goals.
Direct Communication: We handle all contact with Performant Financial Corp, giving you immediate relief from harassment.
Aggressive Advocacy: We fight to secure maximum compensation for the harm you’ve suffered.
National Representation: Our Of Counsel relationships with attorneys in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas (state courts), Washington, and West Virginia enable us to serve clients nationwide.
Our personalized approach, combined with our extensive experience and national reach, makes us uniquely equipped to handle your consumer protection needs.
Stop Debt Harassment from Performant Financial Corp Today
You don’t have to endure another day of aggressive calls and threatening messages. Learning how to stop debt harassment from Performant Financial Corp is essential to reclaiming your peace of mind and protecting your rights.
Immediate Steps for Relief
Contact an Attorney: The Wood Law Firm can take immediate action to stop the harassment while building your case for compensation.
Assert Your Rights: Once you have legal representation, collectors often become more compliant with federal law.
Pursue Accountability: Beyond stopping the calls, you may be entitled to damages for the harassment you’ve already endured.
Call The Wood Law Firm at1-844-638-1122 for immediate assistance. Their experienced team will guide you through stopping harassment, validating debts, and pursuing compensation for any potential violations.
Don’t let Performant Financial Corp continue to disrupt your life. Federal law is on your side, and The Wood Law Firm has the experience and commitment to help you fight back effectively.
File Complaint Against Performant Financial Corp: Multiple Avenues
If you want to file complaint against Performant Financial Corp, you have several options, each serving different purposes in holding the company accountable:
Regulatory Complaints
Consumer Financial Protection Bureau (CFPB): The primary federal agency overseeing debt collectors. File online at their complaint portal or call their hotline.
Federal Trade Commission (FTC): Accepts complaints about debt collection practices and can take enforcement action if they identify widespread problems.
State Attorney General: Your state’s AG office investigates consumer protection violations and may pursue action against companies operating in your state.
Better Business Bureau (BBB): While not a government agency, BBB complaints create public records that other consumers can see.
Private Legal Action
Filing complaints with government agencies is important, but it typically won’t result in compensation paid directly to you. That’s where legal action becomes valuable.
When you sue Performant Financial Corp for harassment through an attorney like The Wood Law Firm, you can:
- Stop the harassment immediately through legal intervention
- Seek monetary damages for violations
- Hold the company directly accountable
- Create a strong deterrent against future violations
The Wood Law Firm handles all aspects of your case, from investigation through resolution, whether through settlement or trial.
How to Stop Performant Financial Corp Debt Collection Calls Permanently
Finding a permanent solution to stop Performant Financial Corp debt collection calls requires understanding your rights and taking strategic action. Here’s a comprehensive approach:
Verify Whether You Actually Owe the Debt
Before taking any action, determine if the debt is legitimate. Performant Financial Corp may be attempting to collect on:
- Debts that aren’t yours (wrong person)
- Debts you’ve already paid
- Debts outside the statute of limitations
- Debts with incorrect amounts
Request written validation within 30 days of first contact. If they cannot prove the debt is valid and belongs to you, they may not continue collection efforts under federal law.
Understand Your FDCPA Rights
The FDCPA provides comprehensive protections for consumers. Familiarize yourself with these key rights:
- Time restrictions: No calls before 8 AM or after 9 PM
- Workplace protection: They must stop calling your job if you request it
- Third-party privacy: They cannot discuss your debt with others
- Cease communication: You can demand all contact stop
- Validation rights: You can require proof of the debt
Knowing these rights empowers you to recognize when collectors may be overstepping legal boundaries.
Take Formal Action
Send Written Requests: Use certified mail for all communication. This creates proof of delivery and establishes a clear timeline.
Document Violations: If Performant Financial Corp continues calling after receiving your cease letter, each subsequent call may be a separate violation worth up to $1,000 in damages.
Seek Legal Counsel: An experienced attorney can evaluate your situation and determine the best strategy for your specific circumstances.
Consider the Long-Term Solution
While stopping the calls is important, pursuing legal action serves a dual purpose: it ends the harassment AND holds the collector accountable for past violations. This approach may result in compensation while ensuring Performant Financial Corp takes your rights seriously going forward.
Similar to issues consumers face with other collection agencies, understanding your rights is crucial. Learn more about dealing with collectors like Concentrix or The Bureaus Inc.
Harassed by Performant Financial Corp? Understanding Your Federal Protections
If you’re being harassed by Performant Financial Corp, federal consumer protection laws provide powerful shields against abusive tactics. The Fair Debt Collection Practices Act (FDCPA) establishes clear boundaries that all debt collectors must respect.
What the Law Prohibits
Performant Financial Corp may not legally:
Communication Violations:
- Call you repeatedly with intent to annoy, abuse, or harass
- Contact you before 8 AM or after 9 PM in your time zone
- Call you at work after you’ve told them it’s not permitted
- Contact you after receiving a written cease communication request
Disclosure Violations:
- Discuss your debt with third parties without your consent
- Contact friends, family, or coworkers about your debt
- Leave voicemails that reveal debt collection to others
- Send postcards or communications where others might see the contents
Misrepresentation and Threats:
- Falsely claim to be attorneys or law enforcement
- Threaten legal action they don’t intend to take or cannot take
- Misrepresent the amount you owe or the consequences of non-payment
- Use obscene, profane, or abusive language
Additional Protections Under the TCPA
The Telephone Consumer Protection Act (TCPA) provides additional protections if Performant Financial Corp is using automated dialing systems or sending unsolicited text messages. Violations of the TCPA can result in damages of $500 per violation, or up to $1,500 per violation if the conduct was willful.
If you believe Performant Financial Corp has violated either the FDCPA or TCPA, contact The Wood Law Firm immediately to discuss your options.
The Real Impact of Performant Financial Corp Harassment
Constant harassment from debt collectors isn’t just annoying—it can have serious consequences for your mental health, relationships, and financial stability. Consumers who are harassed by Performant Financial Corp frequently report:
Emotional and Psychological Effects
- Anxiety and stress: Constant worry about when the next call will come
- Sleep disruption: Difficulty sleeping due to stress or late calls
- Depression: Feelings of hopelessness or being trapped
- Embarrassment: Especially if collectors contact family or employers
- Fear: Dread when your phone rings or you check your messages
Professional and Financial Consequences
- Work disruption: Difficulty concentrating or missing work due to stress
- Strained relationships: Tension with family members who receive collection calls
- Financial pressure: Making payments you can’t afford just to stop the harassment
- Damaged reputation: Especially if collectors contact your workplace
These impacts are real, significant, and recognized by law. The FDCPA allows you to recover damages for emotional distress and other harm caused by unlawful collection practices. The Wood Law Firm fights to ensure you receive compensation for all the harm you’ve suffered.
What Makes Performant Financial Corp Different?
Performant Financial Corporation is a publicly traded company that operates on a large scale, handling debt collection for various industries including healthcare, student loans, and state and federal agencies. Their size and scope mean they interact with millions of consumers annually.
Historical Context
It’s important to understand that Performant Financial Corp has faced scrutiny in the past. The company has been involved in various legal and regulatory matters related to their collection practices. While past issues don’t necessarily indicate current violations, they underscore the importance of holding large collection agencies accountable.
Business Model Considerations
As a publicly traded company, Performant Financial Corp has financial pressures to maximize collections. This can sometimes create incentives for aggressive tactics that may push legal boundaries. Understanding this business context helps explain why some consumers report experiencing harassment.
The company collects on behalf of various clients, which means their collection approach may vary depending on the type of debt and the client’s requirements. However, regardless of who hired them or what type of debt they’re collecting, they must still comply with federal consumer protection laws.
Building a Strong Case Against Performant Financial Corp
If you’re considering taking legal action to stop Performant Financial Corp debt collection harassment, building a compelling case requires careful preparation and documentation.
Evidence That Strengthens Your Case
Call Records: Phone bills or call logs showing frequency, duration, and timing of calls from Performant Financial Corp.
Recordings: If you live in a one-party consent state, recorded conversations can be powerful evidence. Check your state law before recording.
Written Communications: Save all letters, emails, and text messages. Don’t delete anything, even if it seems minor.
Witness Statements: If family members, coworkers, or friends witnessed harassment or received calls about your debt, their testimony can support your case.
Documentation of Harm: Keep a journal noting how the harassment affects you emotionally, professionally, and financially. Medical records or therapy notes can also be relevant.
Compliance Evidence: Proof that you sent cease and desist letters or debt validation requests, including certified mail receipts.
Common Violation Patterns
Look for these red flags in your interactions with Performant Financial Corp:
- Persistent calling: Multiple calls daily or weekly despite your requests to stop
- Time violations: Consistent calls outside the 8 AM to 9 PM window
- Workplace harassment: Continuing to call your job after you’ve asked them not to
- Third-party contact: Discussing your debt with people other than you
- Validation failures: Continuing collection without providing proof you requested
- False threats: Claiming they’ll take action they cannot or won’t actually take
The more patterns you can identify and document, the stronger your potential case becomes.
Working with The Wood Law Firm: Your Path to Justice
When you partner with The Wood Law Firm to address Performant Financial Corp phone harassment, you gain a powerful ally committed to protecting your rights and securing the compensation you deserve.
Our Process
Free Consultation: We begin with a comprehensive review of your situation at no cost to you. We’ll discuss:
- The nature and extent of contact from Performant Financial Corp
- Documentation you’ve gathered
- Whether their conduct may have violated federal law
- Your goals and options for moving forward
Thorough Investigation: If we take your case, we conduct a detailed investigation to uncover all potential violations. We’ll gather evidence, analyze patterns, and build the strongest possible case.
Strategic Action: We develop a customized strategy based on your unique circumstances, whether that means negotiating a settlement or pursuing litigation.
Aggressive Representation: We fight tirelessly to hold Performant Financial Corp accountable and secure maximum compensation for you.
What Sets Us Apart
No Upfront Costs: In FDCPA cases, we typically work on a contingency basis, and the law allows us to recover attorney’s fees from the defendant if we prevail.
Proven Experience: Over a decade of successfully representing consumers against debt collectors gives us insight into effective strategies.
National Reach: Our Of Counsel relationships enable us to represent clients across the country while providing personalized service.
Comprehensive Approach: We handle every aspect of your case, from investigation through resolution, so you can focus on moving forward with your life.
Learn more about our practice areas and how we’ve helped consumers like you fight back against unlawful debt collection practices.
Additional Resources for Dealing with Debt Collectors
If you’re facing harassment from Performant Financial Corp or other collection agencies, these resources can provide valuable information and support:
Consumer Protection Information
- Explore our comprehensive list of collection agencies in the United States to learn about other collectors and their practices
- Understand how we work for you to protect consumer rights
Similar Situations and Solutions
- Stop South Bay Collections debt collection phone harassment
- How to stop Municipal Services Bureau debt collection harassment
- Stop The Outsourcing Group debt collection harassment
- How to stop Vision Financial debt collection phone harassment
These resources can help you understand that you’re not alone and that legal remedies are available for consumers facing aggressive collection tactics.
Take Control: Stop Performant Financial Corp Harassment Now
Living with constant harassment from debt collectors is exhausting and unnecessary. If you believe Performant Financial Corp has violated your rights, you have the power to take action, stop the harassment, and potentially recover compensation for the harm you’ve suffered.
The Wood Law Firm has extensive experience holding debt collectors accountable under the FDCPA, FCRA, and TCPA. We understand the tactics companies like Performant Financial Corp use, and we know how to build strong cases that result in favorable outcomes for our clients.
Don’t Wait—Act Today
The longer you wait, the more you may suffer from ongoing harassment. Additionally, there are time limits for filing lawsuits under the FDCPA, so taking prompt action is essential to preserve your rights.
Call The Wood Law Firm at 1-844-638-1122 for immediate assistance. Their experienced team will guide you through stopping harassment, validating debts, and pursuing compensation for any potential violations.
Remember, federal law provides robust protections for consumers facing debt collection harassment. You have rights, and The Wood Law Firm is here to help you enforce them. Don’t let Performant Financial Corp continue to disrupt your life—take control today and let experienced consumer protection attorneys fight for the justice you deserve.
Frequently Asked Questions
What Should I Do If Performant Financial Corp Won’t Stop Calling?
If Performant Financial Corp continues calling despite your requests to stop, document every call with dates, times, and details of what was said. Send a formal cease and desist letter via certified mail clearly stating you want all communication to stop. If calls continue after they receive your letter, this may be a violation of the FDCPA. Contact The Wood Law Firm immediately at 1-844-638-1122 to discuss legal action to stop the harassment and potentially recover damages.
Can Performant Financial Corp Call Me at My Workplace?
Performant Financial Corp may initially attempt to call you at work, but if you inform them that your employer prohibits such calls or that it’s inconvenient, they must stop contacting you there. If they continue calling your workplace after you’ve told them not to, this may constitute harassment under federal law. Keep detailed records of when you requested they stop and any subsequent workplace calls.
How Many Times Can Performant Financial Corp Legally Call Me?
While the FDCPA doesn’t specify an exact number of permissible calls, repeated calls intended to annoy, abuse, or harass you may be considered a violation. If you’re receiving multiple calls daily or weekly from Performant Financial Corp, especially after you’ve spoken with them or requested they stop, this pattern could potentially constitute unlawful harassment.
What If Performant Financial Corp Is Trying to Collect a Debt I Don’t Owe?
If Performant Financial Corp is attempting to collect a debt you believe you don’t owe, you have the right to dispute it in writing. Send a debt validation letter within 30 days of their first contact requesting proof that the debt is yours. They must then stop collection efforts until they provide adequate verification. If they continue collection activities without providing validation, this may violate federal law and you may have grounds for legal action.
Can I Sue Performant Financial Corp for Calling Me Repeatedly?
Yes, if you believe Performant Financial Corp’s calling pattern constitutes harassment under the FDCPA or TCPA, you may be able to file a lawsuit. Potential violations include calling excessively with intent to harass, calling outside permitted hours, continuing to call after you’ve sent a cease letter, or using threatening language. Contact The Wood Law Firm for a free case evaluation to determine if you have a valid claim.
What Hours Is Performant Financial Corp Allowed to Call Me?
Under the FDCPA, debt collectors like Performant Financial Corp may not call you before 8 AM or after 9 PM in your local time zone. If they’re consistently calling outside these hours, this may be a violation of federal law. Document the times of these calls carefully, as they can serve as evidence in a potential lawsuit.
Will Filing a CFPB Complaint Stop Performant Financial Corp from Calling?
Filing a complaint with the Consumer Financial Protection Bureau creates an official record and requires Performant Financial Corp to investigate and respond, but it may not immediately stop the calls. However, CFPB complaints are valuable for creating documentation and can strengthen your case if you decide to pursue legal action. For more immediate relief, consider working with an attorney who can take direct action on your behalf.
How Much Compensation Can I Receive If I Sue Performant Financial Corp?
If you can prove that Performant Financial Corp violated the FDCPA, you may be entitled to statutory damages of up to $1,000 per lawsuit, regardless of actual harm. You may also recover actual damages for emotional distress, lost wages, or other harm, plus the court may order Performant Financial Corp to pay your attorney’s fees and costs. Each case is unique, so call The Wood Law Firm at 1-844-638-1122 for a free evaluation of your potential claim.
Can Performant Financial Corp Contact My Family Members About My Debt?
Generally, no. Performant Financial Corp cannot discuss your debt with third parties, including family members, except to obtain your location information. Even then, they’re only allowed to contact a third party once unless they have reason to believe the person has new information. If they’re repeatedly calling your family or discussing your debt with them, this may violate federal law and you should seek legal help immediately.
How Long Does Performant Financial Corp Have to Stop After I Send a Cease Letter?
Once Performant Financial Corp receives your written cease request, they must stop all communication except to acknowledge receipt, confirm they’re ceasing contact, or notify you of specific legal actions they intend to take (such as filing a lawsuit). If they continue regular collection calls after receiving your cease letter, this is likely a clear violation of the FDCPA, and you should contact The Wood Law Firm immediately to discuss your legal options.
