Is Pioneer Credit Recovery calling family members?
It is an uncomfortable situation having to talk to a debt collection agent from Pioneer Credit Recovery about your debt, but it is something you must be prepared to do if you wish to resolve your debt.
The question here, however, is: when do their practices go too far? How do you know if you have a case for debt collection harassment or if you are just going through the normal process of debt collection?
The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977, to protect consumers from unfair and abusive collection tactics. It has been amended many times since then, but still stands as the main legal safeguard against unreasonable or threatening behaviors from creditors and collection agencies.
According to the FDCPA, debt collectors are not permitted to harass you in any form. This includes excessive phone calls, issuing threats, or using obscene language when speaking to you. You have rights, regardless of how much you owe.
The FDCPA laws
According to the FDCPA laws, debt collectors like Pioneer Credit Recovery are not allowed to:
- Pretend to be law or government officials
- Threaten you with fear or violence
- Show up at your workplace
- Disclose information regarding your debt to unauthorized parties
- Call too often, especially during early and late hours of the day
- Use unprofessional language
- Ignore a cease-and-desist letter.
If Pioneer Credit Recovery has violated any of the rules described above, then you may be able to sue them and get compensation for any damages caused. Read more about your FDCPA rights or call us on 844-791-1990.
Another way that the law ensures that your rights are respected is through the Fair Credit Reporting Act, which ensures that your credit scores are reported accurately.
How can a bad credit score affect me negatively?
A credit report can make or break your ability to lead a quality life. This holds true because it is often your credit score that determines whether or not you qualify for a loan, where you are able to live, your employment opportunities, and much more. Errors on a credit report can turn your life upside-down, and literally shut doors of opportunities in your face.
Now that we understand how important your credit report is, we know that having errors on it could be disastrous. There are steps you can take to correct credit reporting errors, but the process can be time-consuming. If you’re struggling to resolve an error or the reporting agency fails to correct its mistake, hiring an attorney may be in your best interest.
What if my credit report has an error?
The best way to notice if your credit report has an error is by requesting a copy of your credit report from the major credit bureaus. Transunion, Equifax, and Experian are required by law to provide you with a free annual credit report on request. You are also entitled to a free credit report every 12 months from other specialty consumer reporting agencies.
You can request your free annual credit report by visiting annualCreditReport.com. This is the only official website authorized by the federal government where consumers can request free credit reports.
Read more about your right to fair credit reporting here.
About Pioneer Credit Recovery
Pioneer Credit Recovery is a debt collection agency that collects third party debt. The Company offers non-tax government collections, revenue recovery for court clients, collecting past due fines and fees, court fines, and tax amnesty programs.
Pioneer Credit Recovery
26 Edward Street
Arcade, NY 14009
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About this site ( Telephone Harassment )
Alerting consumers their rights with harassment from debt collectors, collection law firms, and Original lenders.
Phone numbers Pioneer Credit Recovery may be calling you from.
- 317-960-1535, 607-304-4461, 317-960-1530, 585-492-1234, 317-960-1535, 607-304-4461
Pioneer Credit Recovery BBB information