Is Professional Adjustment Corp phone harassment disrupting your peace? Do they demand payments without validating the debt? Some people face challenges when dealing with Professional Adjustment Corp collectors, leading to stress and frustration. Fortunately, federal laws offer protection and empower you to hold agencies like this accountable.
The Wood Law Firm specializes in fighting for your rights against aggressive debt collection practices. If you’re dealing with their complaints, we can help you seek justice. Call us now at +1 844-638-1122 for immediate assistance.
➤ Understanding the Scope of Debt Collection Harassment
The debt collection industry thrives on high-pressure tactics, but not all practices are legal. The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) establish clear rules to prevent unethical behavior. Unfortunately, some companies disregard these laws.
If you’re facing persistent calls, threats, or false claims, you’re likely a victim of debt collection harassment. The Wood Law Firm is here to guide you through your rights and hold these collectors accountable. Call +1 844-638-1122 today.
➤ Prohibited Practices by Debt Collectors
Federal laws, such as the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA), strictly prohibit certain behaviors from debt collectors. These regulations protect consumers from abusive and unethical practices. Here’s a detailed look at what you should watch out for when dealing with their collectors:
1. 👉Ceaseless or Harassing Calls
Debt collectors are not allowed to make excessive phone calls with the intent to annoy, abuse, or intimidate you. They cannot:
- ➡️Calling repeatedly in a short timeframe.
- ➡️Calling during early or late-night hours outside the legally permitted timeframe of 8:00 AM to 9:00 PM.
2. 👉Empty Legal Threats
Collectors cannot threaten legal action they do not intend to take or have no authority to pursue. Common examples include:
- ➡️Threatening to sue without basis or intent.
- ➡️Claiming they can garnish your wages without proper legal authority or a court order.
3. 👉 Misrepresentation of Identity
The laws prohibit debt collectors from pretending to be someone they’re not, which includes:
- ➡️Impersonating law enforcement officers or government officials.
- ➡️Falsely claiming to represent a law firm or legal agency.
4. 👉Failure to Validate the Debt
Collectors should provide a written notice validating the debt within five days of their first contact. This document should include the following:
- ➡️The amount owed.
- ➡️The creditor’s name.
- ➡️Instructions on how to dispute the debt.
➡️Failure to provide this notice violates federal law and may indicate the debt is illegitimate.
5. 👉Unauthorized Third-Party Communication
Debt collectors are limited in who they can contact about your debt. They cannot:
- ➡️Discuss your debt with neighbors, colleagues, or friends.
- ➡️Leave voicemails that disclose the debt to unintended recipients.
Collectors are only permitted to contact third parties to locate you, and even then, they cannot reveal the purpose of the call.
6. 👉 Adding Extra Fees or Charges
Debt collectors cannot demand payment for unauthorized fees or costs not specified in your original agreement.
If you’ve experienced any prohibited practices from them, you have the right to take action. Harassment and violations of your rights can lead to legal consequences for the debt collector.
Contact The Wood Law Firm at +1 844-638-1122 for a free consultation. Our experienced team can help you hold accountable and stop the harassment for good.
Also read: Credit Corp Solutions Debt Collection Harassment
➤ Can Professional Adjustment Corp Sue You?
Yes, third-party collectors like Professional Adjustment Corp can sue you if you do not meet specific conditions. Here’s when it might happen:
➤ When Your Debt Becomes Delinquent
Delaying payment can escalate your case. Settle your debts promptly to avoid legal complications.
➤ When You Deny Owing the Debt
Acknowledging legitimate debts and negotiating repayment plans can prevent lawsuits.
➤ When You Ignore a Court Summons
Failure to respond to a lawsuit strengthens the collector’s case, potentially leading to wage garnishments or account levies.
If the threats escalate into legal action, consult an attorney immediately. The Wood Law Firm can assist you in navigating these situations and defending your rights. Call +1 844-638-1122.
Also read: Professional Service Bureau Debt Collection Harassment
➤ Who is Professional Adjustment Corp?
They are a third-party debt collection agency in Fort Myers, Florida. It has been operational since 1998. The company has faced multiple lawsuits for alleged violations of consumer rights.
Their address is:
14410 Metropolis Ave, Fort Myers, FL 33912-4341
➤ How to Identify a Debt Collection Scam and Protect Yourself
You must remain vigilant to avoid falling victim to fraudulent entities disguised as legitimate debt collection agencies. Here are critical tips to identify a scam and safeguard your rights:
1. 👉Look for Red Flags
Scammers often make unrealistic threats or claim you owe debts that don’t exist. Be cautious if a caller demands immediate payment, threatens legal action without proof, or refuses to provide written debt validation. These tactics may indicate their scam or deceptive practices.
2. 👉Verify Their Legitimacy
Always validate the debt collection agency’s identity and check its information, including the phone number, with publicly available resources. You can also contact the creditor associated with your account to confirm the debt’s legitimacy.
3. 👉Keep a Record of Communications
Maintain detailed records of every call, letter, or email you receive. Note the date, time, and details of the conversation. These records can serve as evidence if you need to file a complaint or pursue legal action against Professional Adjustment Corp collectors.
4. 👉Report Suspicious Activity
If you suspect you’re dealing with a scam, report it immediately to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state’s Attorney General’s office. These agencies can investigate the matter and take appropriate action.
5. 👉Know Your Rights
Understanding the protections offered by the Fair Debt Collection Practices Act (FDCPA) empowers you to recognize illegal practices. A scammer may disregard these laws entirely, making your knowledge a critical line of defense.
Also read: Credit Adjustment Bureau Debt Collection Harassment
➤ Is Professional Adjustment Corp a Scam?
While Professional Adjustment Corp operates legally, their practices have raised concerns. Numerous reviews and complaints highlight aggressive tactics that may breach federal laws.
Instances of Professional Adjustment Corp complaints include:
- ✅Persistent calls from numbers such as 239-437-0525 or 888-686-0525.
- ✅Allegations of deceptive practices, including falsified documents and unauthorized charges.
If these sound familiar, you may have grounds for a lawsuit.
➤ Real Cases Against Professional Adjustment Corp
Several lawsuits against them demonstrate the seriousness of their alleged violations. Notable cases include:
- ✅Fischer v. Professional Adjustment Corp. (2018)
- ✅Rodriguez v. Professional Adjustment Corp. (2018)
- ✅Campbell v. Professional Adjustment Corp. (2013)
These cases emphasize the importance of standing up to harassment. If you’ve faced similar issues, call +1 844-638-1122 to explore your legal options.
Steps to Handle Professional Adjustment Corp Harassment
Dealing with harassment from them can be overwhelming, but there are practical steps you can take to protect your rights and regain control. Here’s what you should do:
1. 👉Document Every Interaction
Keeping a detailed record of all communications with them, including each conversation, time, and documentation, is crucial evidence if you need to take legal action or file a complaint.
2. 👉Request Debt Validation
Under the Fair Debt Collection Practices Act (FDCPA), you can request written proof of the debt. This way, you can ensure the debt is legitimate, and the collector is authorized to collect it. Professional Adjustment Corp violates your rights if it fails to provide this validation.
3. 👉Understand Your Rights
Educate yourself about the protections offered by the FDCPA and the Telephone Consumer Protection Act (TCPA). These laws regulate how debt collectors can contact you, prohibiting abusive language, excessive calls, or calls outside permitted hours. Knowing your rights can help you recognize and address violations confidently.
4. 👉Block or Limit Calls
If the harassment persists, consider using call-blocking features or apps to limit communication. You can also send a written request to them, instructing them to stop contacting you. By law, they must comply with this request unless they need to notify you of legal action.
5. 👉Seek Legal Assistance
If the harassment continues or escalates, consult with legal professionals experienced in debt collection harassment. The Wood Law Firm specializes in handling cases of debt collection harassment. Our team can help you understand your options, stop the harassment, and pursue compensation for any damages caused. Contact us at +1 844-638-1122 for a free consultation.
Also read: Professional Accounts Services Debt Collection Harassment
How The Wood Law Firm Can Help You Stop Professional Adjustment Corp Phone Harassment
At The Wood Law Firm, we protect consumers from aggressive debt collectors. We’ve handled numerous cases involving threats, securing justice, and compensation for our clients.
Why Choose Us?
- ➡️ No Upfront Fees: You pay nothing unless we win your case.
- ➡️ Experienced Team: Our attorneys specialize in consumer protection laws.
- ➡️ Quick Response: Contact us, and we’ll respond within 15 minutes.
Don’t let Professional Adjustment Corp collectors intimidate you. Call +1 844-638-1122 today for expert legal assistance.
➤ Frequently Asked Questions
👉What if Professional Adjustment Corp refuses to validate my debt?
Collectors must validate debts within five days of initial contact. Failure to do so is a violation of federal law.
👉How can I stop Professional Adjustment Corp calls?
You can send a written request asking them to cease communication. If they persist, contact The Wood Law Firm.
👉Can I sue Professional Adjustment Corp for harassment?
Yes, you can file a lawsuit for violations of your consumer rights. We can help you pursue statutory damages and end the harassment.
Also read: Diversified Adjustment Service Debt Collection Harassment
➤ Take Action Against Professional Adjustment Corp Phone Harassment Today
The complaints are not just inconveniences—they violate your rights. The Wood Law Firm is committed to helping you fight back and regain control. Don’t let their phone harassment affect your quality of life.
📞Call +1 844-638-1122 for a free consultation and take the first step toward ending the harassment.
Some Useful Links:
Consumer Financial Protection Bureau
Florida Attorney General
