Stop Professional Adjustment Corp Debt Collection Harassment – Know Your Rights
If you believe Professional Adjustment Corp debt collection phone harassment is disrupting your peace, you’re not alone. Do they demand payments without properly validating the debt? Many people face challenges when dealing with Professional Adjustment Corp collectors, leading to stress and frustration. Fortunately, federal laws may offer protection and potentially empower you to hold agencies like this accountable.
The Wood Law Firm specializes in fighting for your rights against potentially aggressive debt collection practices. If you believe you’re dealing with Professional Adjustment Corp collection harassment calls, we can help you seek justice. Call us now at +1 844-638-1122 for immediate assistance.
Understanding Professional Adjustment Corp Debt Collection Phone Harassment
The debt collection industry often relies 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 that may prevent unethical behavior. Unfortunately, some companies might disregard these laws.
If you believe you’re facing persistent calls, threats, or false claims, you may be a victim of debt collection harassment. The Wood Law Firm is here to guide you through your rights and potentially help you stop debt harassment from Professional Adjustment Corp. Call +1 844-638-1122 today.
Who is Professional Adjustment Corp?
Professional Adjustment Corp is a third-party debt collection agency based in Fort Myers, Florida. The company has been operational since 1998 and has faced multiple lawsuits for alleged violations of consumer rights.
Contact Information:
- Address: 14410 Metropolis Ave, Fort Myers, FL 33912-4341
- Main Phone: (239) 437-0525
Common Professional Adjustment Corp Phone Numbers
If you’re receiving calls from any of these numbers, you may be experiencing Professional Adjustment Corp debt collection phone harassment:
- 239-437-0525
- 888-686-0525
- 239-437-0527
- 239-437-0059
- 239-437-0305
- 239-437-1706
- 239-437-0776
- 239-437-0840
If you believe any of these numbers are harassing you, contact us immediately at +1 844-638-1122.
How to Stop Professional Adjustment Corp Debt Collection Harassment Calls
If you believe Professional Adjustment Corp has violated federal laws, here are steps you can take to stop the harassment:
1. Document Every Interaction
Keep detailed records of all communications, including dates, times, and conversation details. This documentation may be crucial if you decide to take legal action.
2. Request Debt Validation
Under the FDCPA, you have the right to request written proof of the debt. If Professional Adjustment Corp fails to provide this validation, they may be violating your rights.
3. Send a Cease and Desist Letter
You can request in writing that they stop contacting you. By law, they must comply with this request unless they need to notify you of legal action.
4. Report Professional Adjustment Corp to CFPB
You can file a complaint with the Consumer Financial Protection Bureau, Federal Trade Commission, or your state’s Attorney General if you believe your rights have been violated.
5. Seek Legal Help Against Professional Adjustment Corp Harassment
Contact a consumer protection attorney who specializes in debt collection cases. The Wood Law Firm can help you understand your options and potentially pursue compensation.
Professional Adjustment Corp FDCPA Violations to Watch For
Federal laws strictly prohibit certain behaviors by debt collectors. If you believe Professional Adjustment Corp has engaged in any of these practices, they may be violating the FDCPA:
Excessive or Harassing Calls
Debt collectors cannot make excessive phone calls with the intent to annoy, abuse, or intimidate you. This includes:
- Calling repeatedly in a short timeframe
- Calling during early morning or late-night hours outside the legally permitted timeframe of 8:00 AM to 9:00 PM
Empty Legal Threats
Collectors cannot threaten legal action they don’t intend to take or have no authority to pursue, such as:
- Threatening to sue without basis or intent
- Claiming they can garnish your wages without proper legal authority
Misrepresentation of Identity
The laws may prohibit debt collectors from pretending to be someone they’re not, including:
- Impersonating law enforcement officers or government officials
- Falsely claiming to represent a law firm or legal agency
Failure to Validate the Debt
Collectors should provide written notice validating the debt within five days of first contact. This document should include:
- The amount owed
- The creditor’s name
- Instructions on how to dispute the debt
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
Adding Extra Fees or Charges
Debt collectors cannot demand payment for unauthorized fees not specified in your original agreement.
If you believe you’ve experienced any of these Professional Adjustment Corp debt collection violations, contact The Wood Law Firm at +1 844-638-1122 for a free consultation.
Professional Adjustment Corp TCPA Violations
If you believe Professional Adjustment Corp is calling your cell phone with automated dialers or leaving pre-recorded messages without your consent, they may be violating the TCPA. Common TCPA violations include:
- Calling cell phones with robocalls without consent
- Leaving pre-recorded voicemails
- Calling numbers on the Do Not Call Registry
- Continuing to call after you’ve requested they stop
Can Professional Adjustment Corp Sue You?
Yes, third-party collectors like Professional Adjustment Corp can potentially sue you under certain conditions. Here’s when it might happen:
When Your Debt Becomes Delinquent
Delaying payment could potentially escalate your case. Addressing your debts promptly may help avoid legal complications.
When You Deny Owing the Debt
If you believe the debt isn’t yours, you should dispute it properly. Acknowledging legitimate debts and negotiating repayment plans may help prevent lawsuits.
When You Ignore a Court Summons
Failure to respond to a lawsuit could strengthen the collector’s case, potentially leading to wage garnishments or account levies.
If you believe Professional Adjustment Corp’s threats have escalated into legal action, consult an attorney immediately. Call +1 844-638-1122.
Professional Adjustment Corp Debt Collector Complaints and Legal Cases
Several lawsuits against Professional Adjustment Corp demonstrate the seriousness of alleged violations. Notable cases include:
- Fischer v. Professional Adjustment Corp. (2018)
- Rodriguez v. Professional Adjustment Corp. (2018)
- Campbell v. Professional Adjustment Corp. (2013)
- Graham v. Professional Adjustment Corporation (2011)
If you believe you’re harassed by Professional Adjustment Corp, these cases show you’re not alone. Call +1 844-638-1122 to explore your legal options.
How to File a Complaint Against Professional Adjustment Corp
If you believe Professional Adjustment Corp has violated your rights, you can file complaints with:
- Consumer Financial Protection Bureau (CFPB): Submit online complaints about debt collection practices
- Federal Trade Commission (FTC): File consumer complaints about potentially unfair business practices
- Your State Attorney General: Local consumer protection agencies
- Better Business Bureau: Business complaints and reviews
When filing a complaint, provide detailed information, including dates, times, and any documentation to support your case.
Sue Professional Adjustment Corp for Harassment
If you believe Professional Adjustment Corp has violated your consumer rights, you may have grounds to sue them for harassment. Under federal law, you could potentially recover:
- Up to $1,000 in statutory damages per FDCPA violation
- Up to $1,500 per illegal robocall under the TCPA
- Attorney fees and court costs
- Additional damages if you can prove actual harm
Consumer Rights Against Professional Adjustment Corp
You have several important rights when dealing with debt collectors:
Right to Debt Validation
You can request written proof that you owe the debt and that the collector has the right to collect it.
Right to Dispute the Debt
If you believe the debt isn’t yours or the amount is wrong, you can dispute it in writing.
Right to Stop Communication
You can request that the collector stop contacting you, except to notify you of specific legal actions.
Right to Privacy
Collectors cannot discuss your debt with unauthorized third parties.
Right to Fair Treatment
Collectors cannot harass, threaten, or abuse you while attempting to collect a debt.
How to Stop Calls From Professional Adjustment Corp
If you want to stop calls from Professional Adjustment Corp, you have several options:
Send a Written Request
Write a letter asking them to stop contacting you. Send it via certified mail to ensure delivery.
Block Their Numbers
Use call-blocking features on your phone or contact your phone carrier for assistance.
Dispute the Debt
If you believe the debt isn’t valid, dispute it in writing within 30 days of their first contact.
Negotiate a Settlement
If the debt is valid, you may be able to negotiate a payment plan or settlement.
Seek Legal Help
Contact an attorney who specializes in debt collection harassment cases.
Professional Adjustment Corp Collection Agency Abuse
Many consumers report experiencing what they believe to be abusive practices from Professional Adjustment Corp, including:
- Excessive calling that may constitute harassment
- Threats that may violate federal law
- Refusal to validate debts properly
- Sharing debt information with unauthorized parties
- Calling outside permitted hours
If you believe you’ve experienced Professional Adjustment Corp collection agency abuse, document everything and contact a consumer protection attorney.
Is Professional Adjustment Corp a Scam?
Professional Adjustment Corp operates as a legitimate debt collection agency, but their practices have raised concerns among consumers. While they’re not a scam in the traditional sense, numerous reviews and complaints suggest they may use aggressive tactics that could potentially violate federal laws.
Common complaints about Professional Adjustment Corp include:
- Persistent calls that may constitute harassment
- Allegations of potentially deceptive practices
- Refusal to provide proper debt validation
- Threats that may exceed legal boundaries
If you believe their practices seem questionable, you should verify any debt they claim you owe and know your rights under federal law.
How to Identify Debt Collection Scams
While Professional Adjustment Corp is a legitimate company, it’s important to be aware of scam tactics that some collectors might use:
Red Flags to Watch For
- Demanding immediate payment without providing debt validation
- Threatening arrest or legal action they cannot take
- Refusing to provide written information about the debt
- Calling from blocked or constantly changing numbers
- Asking for payment via gift cards or wire transfers
How to Verify Legitimacy
- Request written debt validation
- Contact the original creditor to confirm the debt
- Check the collector’s license with your state’s regulatory agency
- Report suspicious activity to the CFPB or FTC
How The Wood Law Firm Can Help Stop Professional Adjustment Corp Phone Harassment
At The Wood Law Firm, we specialize in protecting consumers from potentially aggressive debt collectors. We’ve handled numerous cases involving harassment and have secured 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, including the FDCPA and TCPA.
Quick Response: Contact us, and we’ll respond within 15 minutes during business hours.
Proven Results: We’ve helped countless consumers stop harassment and secure compensation.
Free Consultation: We’ll review your case at no cost to determine if you have grounds for legal action.
Don’t let Professional Adjustment Corp collectors intimidate you. If you believe you’re being harassed, call +1 844-638-1122 today for expert legal assistance.
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Take Action Against Professional Adjustment Corp Today
If you believe Professional Adjustment Corp is violating your consumer rights, don’t wait to take action. These violations are not just inconveniences—they may be serious legal matters. 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 any longer.
📞 Call +1 844-638-1122 for a free consultation and take the first step toward potentially ending the harassment.
Helpful Resources: Consumer Financial Protection Bureau Florida Attorney General
Frequently Asked Questions (FAQs)
1. How can I stop Professional Adjustment Corp debt collection harassment calls?
You can send a written cease and desist letter, dispute the debt if it’s not valid, block their phone numbers, or seek legal help from a consumer protection attorney.
2. What should I do if I believe I’m harassed by Professional Adjustment Corp?
Document all interactions, request debt validation, file complaints with the CFPB and FTC, and contact a consumer protection attorney to understand your legal options.
3. Can I sue Professional Adjustment Corp for harassment?
If you believe they’ve violated the FDCPA or TCPA, you may be able to sue for up to $1,000 in statutory damages under the FDCPA and up to $1,500 per illegal robocall under the TCPA.
4. What are common Professional Adjustment Corp FDCPA violations?
Common violations may include calling outside permitted hours (8 AM to 9 PM), making threats they can’t follow through on, excessive calling, failing to validate debts, and sharing debt information with unauthorized parties.
5. How do I report Professional Adjustment Corp to the CFPB?
You can file a complaint online at the Consumer Financial Protection Bureau website or by calling their consumer helpline to report potential violations.
6. What phone numbers does Professional Adjustment Corp use?
Known numbers include 239-437-0525, 888-686-0525, 239-437-0527, 239-437-0059, 239-437-0305, and several others listed in this article.
7. What are Professional Adjustment Corp TCPA violations?
TCPA violations may include calling cell phones with automated dialers without consent, leaving pre-recorded voicemails, calling numbers on the Do Not Call Registry, or continuing calls after being asked to stop.
8. How can I file a complaint against Professional Adjustment Corp?
You can file complaints with the CFPB, FTC, your state attorney general, or the Better Business Bureau. Always include detailed information and documentation.
9. What consumer rights do I have against Professional Adjustment Corp?
You have the right to debt validation, to dispute debts, to request they stop calling, to privacy regarding your debt, and to fair treatment without harassment.
10. Can Professional Adjustment Corp call me at work?
They may call your workplace, but if you inform them that your employer doesn’t allow such calls, they must stop calling you at work under the FDCPA.
11. How do I get legal help against Professional Adjustment Corp harassment?
Contact a consumer protection attorney who specializes in debt collection cases. Many work on contingency, meaning you don’t pay unless you win your case.
12. Is Professional Adjustment Corp a legitimate company or a scam?
Professional Adjustment Corp is a legitimate debt collection agency based in Florida, but they’ve faced numerous complaints and lawsuits regarding their collection practices.
13. What evidence should I collect for Professional Adjustment Corp debt collector complaints?
Document all phone calls (dates, times, what was said), save voicemails, keep written correspondence, record any violations you believe occurred, and maintain notes about harassment or threats.
