Professional Choice Recovery


Is Professional Choice Recovery hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Professional Choice Recovery?

Professional Choice Recovery, Inc. (PCRI) is a debt collection agency located in Lincoln, Nebraska. They pursue and collect on outstanding debts on behalf of their clients.

If you see PCRI listed on your credit report, it is likely due to an unpaid bill or debt that the agency has been tasked to collect.

Who does Professional Choice Recovery collect for?

Professional Choice Recovery offers collection services for a wide range of clients, but they primarily focus on the education, financial, and healthcare sectors. This means they may be tasked with collecting student loans, unpaid bank loans or credit card debt, medical bills, or any other type of debt associated with these industries.

Is Professional Choice Recovery legit or a scam?

Professional Choice Recovery, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Professional Choice Recovery from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Professional Choice Recovery, Inc. Contact Information


Professional Choice Recovery, Inc.
620 N 48th St. Ste 107
Lincoln, NE 68504

Phone number: (402) 476-3535

Should I contact or pay Professional Choice Recovery?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Professional Choice Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Professional Choice Recovery, Inc. on behalf of their clients.

Will Professional Choice Recovery sue me or garnish my wages?

Professional Choice Recovery does have the potential to sue for an unpaid debt. If the company decides to take legal action and the court rules in their favor, they could potentially garnish your wages or levy your bank account, depending on the laws of your specific state.

However, it’s important to note that initiating a lawsuit is often a last resort for many collection agencies, as it can be a lengthy and expensive process. Before it gets to this point, agencies typically attempt to negotiate a payment plan or settlement with the debtor.

Professional Choice Recovery, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Professional Choice Recovery, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Professional Choice Recovery, Inc. to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Professional Choice Recovery cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Professional Choice Recovery must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Professional Choice Recovery cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Professional Choice Recovery From Your Credit Report Today!

Credit Saint can help you dispute Professional Choice Recovery collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.