Coast Professional, Inc Debt harassment calls?
If you are currently receiving debt collection calls from Coast Professional, Inc, what you may not know is that the laws around debt collection are designed to ensure that you are treated fairly and that your consumer rights are respected throughout the collection process.
When debt collection agencies contact you initially, they must provide all specifics regarding the debt they claim that you owe. Yes, debt collectors are authorized to contact you about your account, demand payment, or explain the consequences of non-payment, however, all of these activities must be conducted in an ethical and legal manner.
All methods (such as calls, letters, or emails) employed in communicating with a consumer over a debt must be free from threats, harassment, misleading information, misrepresentation, or lies about consequences of non-payment or the legal status of a debt. The company also can’t make false statements about the amount of debt or interest rates or engage in deceptive conduct such as impersonating a law enforcement official in an attempt to recoup debt.
Debt collectors must also exercise caution in terms of how often they make calls to your phone. For example, the law prohibits debt collectors from making solicitation calls to you earlier than the hours of 8 am or later than 9 pm.
Finally, it is strictly forbidden for debt collectors to verbally abuse, intimidate, or humiliate you. They are also not permitted to misuse or misinterpret your credit information.
Phone harassment from Coast Professional, Inc?
The Telephone Consumer Protection Act covers all forms of communication such as phone calls and faxes. It also stretches to include more contemporary methods of communication such as text messages and emails (although emails are a bit more difficult to regulate). In order for a bank or telemarketing service to text you, they must first have obtained your permission to do so. Only a few exceptions such as delivery notifications and appointment reminders are permitted.
This rule does not apply to debt collectors, however, debt collectors are prohibited from making excessive calls to you, especially if they are for the purpose of advertisement.
If you suspect that a bank, telemarketer, or debt collection organization has violated your TCPA rights, do not engage them. Contact a qualified lawyer immediately on 844-791-1990.
Are your consumer rights being violated by Coast Professional, Inc?
You may have a case against Coast Professional, Inc. if they have violated your FDCPA rights in any of the following ways:
- If they call you repeatedly or ceaselessly.
- If they call you before 8:00 am or after 9:00 pm.
- If they are rude or use unprofessional language when speaking with you.
What are the next steps to take after you have been contacted by Coast Professional, Inc,?
After you have received a debt collection call from Coast Professional, Inc, you have a range of options available to you regarding what step to take next. Sadly, many people are unaware of the range of options open to them, and many debt collectors take advantage of their ignorance.
The first step to take after you have been contacted by a debt collector is to request a written statement containing all the necessary information regarding the alleged debt. You have only five days (counting from the day that you received the first phone call) to do this. When you have received the written statement containing all the information about your debt, you have a choice to dispute the debt with the three credit bureaus. This can get some or all of your debt waived and eliminate the debt from your credit report. It is additionally advisable to seek legal advice.
About Coast Professional, Inc
Coast Professional, Inc. is a collection agency that focuses on the collection of government and higher education debt, including Federal and non-Federal student loans, accounts receivables, tuition and fees, housing charges, and almost any other debt referred by their clients.
Phone: (585) 991-5200
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About this site (Telephone Harassment)
We encourage consumers to share their experience dealing with collection harassment, legal threats or excessive phone calls to help prepare others for the kind of treatment they are likely to receive. Read more about us here.
Call us now on 844-791-1990
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Coast Professional, Inc BBB Information
BBB file opened: 3/15/2013
Consumer Rights Law Firm Center BBB information
BBB Rating: A+