Seeing ProCollect, Inc. on your credit report can hurt your credit score and cause frustration. Here’s what to know about them—and how to remove the account if possible.
Who Is ProCollect?
ProCollect, Inc. is a debt collection agency based in Dallas, Texas. Their job is to help property management companies and other businesses recover unpaid debts from consumers.
If ProCollect is listed on your credit report, it means they are trying to collect a debt, which may be tied to an unpaid rent balance, fees, or other outstanding payments.
Who Does ProCollect Collect For?
ProCollect focuses on recovering debts for:
- Apartment complexes
- Student housing facilities
- Property management companies
- Real estate-related businesses
They specialize in rental debts, especially for multifamily housing and student living communities.
Is ProCollect Legitimate?
Yes, ProCollect is a real debt collection agency. But even legitimate companies can make mistakes, so always verify the debt before agreeing to pay.
How to Remove ProCollect From Your Credit Report
A collection account can stay on your credit report for up to seven years—but there are ways to get it removed sooner:
- Dispute inaccuracies: If the account contains incorrect information or doesn’t belong to you, file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask ProCollect to prove the debt is valid and the amount is accurate. If they can’t provide proper documentation, they must remove the account.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account from your credit report if you pay. Always get this agreement in writing before sending any money.
- Work with a credit repair service: Professionals can help dispute accounts or negotiate on your behalf, making the process easier and less stressful.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay ProCollect?
Before reaching out, review your credit report to verify the debt. Credit reports often contain errors, and paying a debt without confirming details can restart the clock, keeping it on your report longer.
If the debt is valid, you may be able to settle or negotiate a pay-for-delete. Many people prefer to work with a credit repair company to avoid dealing with collectors directly.
Can ProCollect Sue or Garnish Wages?
ProCollect does have the legal right to sue for unpaid debts. If they win in court, they may be able to:
- Garnish your wages
- Freeze or levy your bank account
Your state’s laws will determine what actions they can take. That said, lawsuits are generally a last resort, as legal action is expensive and time-consuming for both sides.
Complaints About ProCollect, Inc.
Like many collection agencies, ProCollect has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
The most common complaints include:
- Inaccurate credit reporting
- Harassing or repeated phone calls
- Failure to verify debts
If you believe your rights are being violated, you can file a formal complaint with the CFPB or BBB.
Your Rights When Dealing With ProCollect
You are protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which prevent abusive collection practices. Your rights include:
- ProCollect cannot report false or incomplete information about you.
- You have the right to request written proof the debt is valid.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collector.
- They cannot threaten arrest or legal action they aren’t legally allowed to take.
ProCollect Contact Information
Address:
ProCollect, Inc.
12170 N Abrams Rd, Ste 100
Dallas, TX 75243
Phone: (800) 839-8186
Get Help Removing ProCollect From Your Credit Report
Dealing with collections like ProCollect can be overwhelming, but you don’t have to handle it alone. Credit Saint has helped thousands of people remove negative accounts from their credit reports.
They’ve been doing this for over 15 years—and they even offer a 90-day money-back guarantee for extra peace of mind.
Want to see how they can help? Visit their website or call (855) 281-1510 for a free consultation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
