Harassment calls from Professional Adjustment Corp of SW FL, Inc.?
If you are currently receiving calls from Professional Adjustment Corp of SW FL, Inc., then you must know one thing: debt collection is a highly tasking and mentally draining experience, especially for the consumer.
Facing financial difficulty is already stressful enough, add creditor harassment to the mix and it becomes almost unbearable. Whether they are calling to collect credit card debt, student loans, mortgages, or past-due service bills, it is a proven fact that harassing phone calls from debt collectors can make your life miserable. In fact, financial difficulties and the unfair debt collector harassment that it usually brings along has led several people into depression, caused marital problems, loss of jobs (especially in cases where the debt collector tries to shame the consumer into paying up by showing up regularly at their workplace or revealing details of their debt to their employer), and unforgivable breaches of privacy.
Although a third-party debt collector is legally entitled to collect whatever debts you owe to them (and telephone calls is a standard method employed in debt collection), resorting to unethical and unfair debt collection tactics is illegal and has been outlawed by the Federal Trade Commission. All debt collectors are required to familiarize themselves with the laws of the FDCPA, and sometimes they actually obey the law. However, debt collectors are also known to cross the line every now and then by harassing, oppressing, abusing customers into resolving their delinquent debt. Fortunately, there are legal actions you can take to stop this harassment from happening to you.
The FDCPA prescribes not only laws but strict punishments for erring debt collectors as well. If your FDCPA rights are violated by any third-party debt collector, you may sue them and receive compensation of up to $1000 together with your attorney costs. Call us now on 844-791-1990, and let us begin putting our knowledge to work for you.
What if Professional Adjustment Corp of SW FL, Inc. is harassing me?
If Professional Adjustment Corp of SW FL, Inc. is calling you ceaselessly, the first thing to do will be to determine if what they are doing can actually be counted as debt collection harassment. The only way to know this for certain is to know what your rights are in the contest of debt collection. If the collection agency is showing up to your workplace (especially when you have told them that your employer does not approve of such), calling you at odd hours when you should already be in bed, or misinterpreting the information about your debt, you may have a case of debt collection harassment on your hands. A qualified attorney can also help you figure this out.
After you have determined if their behavior is prohibited by law, the next thing to do would be to write the debt collector a letter requesting that they stop contacting you; this, however, does not mean that your debts will automatically be discharged, it only stops the creditor harassment. Under the FDCPA, Professional Adjustment Corp of SW FL, Inc must act according to the request contained within the letter.
If they fail to heed to your cease and desist letter, we strongly advise you to keep a log where you document all their illegal behavior carried out against you. Any action that violates your FDCPA rights should be documented in detail. This will serve as invaluable evidence when building your future case. Another good idea is to have a witness present during your communications with an unethical debt collector. You may also record the entire conversation, but be sure to check the laws in your state to ensure that it will be admissible in court, as some states prohibit recording a phone conversation without the knowledge of the other party.
The FDCPA allows you to file a complaint against a harassing debt collection agency with the Federal Trade Commission. You can do this by requesting forms from the Federal Trade Commission, or you can write a letter yourself. Send it to 6th and Pennsylvania Ave. NW, Washington, DC 20580, or visit them online at www.ftc.gov/ftc/complaint.htm. Ensure that you include all the details you have kept in your log (including the name and address of the collection agency, the name of the original creditor, the dates and times of all communications, the names of any witnesses, and any other pieces of written or recorded evidence that you have. There have been cases where the debt collector offered to cancel the debt if the consumer withdrew their complaint. This may also be a good option for you.
Lastly, you may sue the debt collector. This option is best in a strong case of debt collector harassment because you will need to provide concrete evidence of debt harassment in court, and annoying phone calls may not suffice. If you Win, you will be awarded due compensation under the FDCPA or the TCPA (depending on which was violated by the collector), and if they violate both, you can be awarded compensation under both laws. Furthermore, if you can prove that the debt collector’s harassment has caused you actual damages (such as losing a job or changing a phone) you can be awarded those damages, as well.
The most important thing to remember if you are receiving unethical treatment from Professional Adjustment Corp of SW FL, Inc is that debt collection harassment is illegal, and the law is on your side.
About Professional Adjustment Corp of SW FL, Inc.
Professional Adjustment Corp of SW FL, Inc Corp is a third-party debt collector located in Fort Meyers, Florida. The company specializes in medical, commercial, and retail collections.
Phone: (239) 437-0525
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About this site (Telephone Harassment)
Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms, and Original lenders. Read more about us here.
Professional Adjustment Corp of SW FL, Inc. may be contacting you from the following numbers:
Professional Adjustment Corp of SW FL, Inc. BBB Information
BBB file opened: 4/26/2000
Consumer Rights Law Firm Center BBB information
BBB Rating: A+