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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
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
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Professional Choice Recovery, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Professional Choice Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Professional Choice Recovery must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Professional Choice Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Professional Choice Recovery From Your Credit Report Today!
Credit Saint can assist you in disputing Professional Choice Recovery collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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