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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Professional Choice Recovery, Inc. Contact Information
Address:
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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing Professional Choice Recovery collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
