Professional Bureau of Collections, Inc. Debt Collection Harassment — Know Your Rights & Stop the Calls

Getting hit with frequent, aggressive phone calls from Professional Bureau of Collections, Inc. can be upsetting and disruptive. If you believe you're being harassed—called too often, threatened unlawfully, or otherwise mistreated—know that there are laws in place to protect you. You have the right to stand up for yourself and stop the abusive communications.

👉 If you are being subjected to Professional Bureau of Collections, Inc. debt collection harassment, this article will walk you through what constitutes harassment, what legal protections you have, and what steps to take to end the abuse.

What Counts as Harassment by Debt Collectors

Debt collection itself isn’t illegal—but harassment is. Some practices by debt collectors that may violate your rights include:

• Calling you multiple times a day or with excessive frequency

• Contacting you at unreasonable hours (early morning, late at night)

• Threatening legal action, wage garnishment, or arrest without lawful basis

• Using intimidating, abusive, insulting, or otherwise harassing language

• Failing to validate the debt in writing when asked

• Misrepresenting how much is owed or what penalties might apply

• Disclosing your debt to friends, family, or employer

• Ignoring your requests to stop contact or continue after you send a cease and desist letter

If you see these behaviors from Professional Bureau of Collections, they may be violating the Fair Debt Collection Practices Act (FDCPA).

Your Rights Under the Fair Debt Collection Practices Act (FDCPA)

The FDCPA is a federal law designed to protect consumers when third-party collectors try to collect debts. If Professional Bureau of Collections qualifies under this law, here are your key rights:

• No harassment or abuse: Collectors may not use threats, profane language, insults, or repeated calls meant to intimidate or harass.

• Limited hours for communication: They can only call between 8 a.m. and 9 p.m. local time unless you agree otherwise.

• Debt validation: Within five days of first contact, you have the right to get a written notice that states the amount owed, the name of the original creditor, and your right to dispute the debt.

• Right to dispute: Once you receive the validation notice, you have 30 days to dispute the debt in writing. Collection must stop until the debt is verified.

• Cease communication request: You can send a written “cease and desist” letter demanding that they stop all further communications. After they receive it, most contact must end except for certain legal notifications.

• Truth in representation: Collectors may not use false statements, misrepresent what might happen, or lie about their identity.

• Privacy protections: They cannot disclose your debt details to third parties (friends, family, co-workers), except under narrowly defined exceptions.

If Professional Bureau of Collections violates any of these rights, you may be able to recover statutory damages (up to $1,000 in many cases), get attorney’s fees, and force them to stop.

Steps to Take If You’re Being Harassed

If you believe you are dealing with illegal behavior, here’s what you should do:

1. Document everything
   Record date, time, caller name or number, what was said. Save voicemails, texts, letters, or emails.

2. Don’t admit liability verbally
   Avoid agreeing to payment or accepting that you owe until you have written proof.

3. Ask for written validation
   Send a demand letter asking for a written statement showing the original creditor, itemized charges, and proof that the debt is legitimate.

4. Dispute if there’s an error
   If you believe the debt is wrong—wrong amount, identity, or already paid—submit a written dispute within 30 days. Collection actions must pause while verification occurs.

5. Send a cease and desist letter
   If calls continue, send a written notice telling Professional Bureau of Collections to stop contacting you. Once they receive it, further calls are limited.

6. File complaints
   You can report misconduct to the Consumer Financial Protection Bureau (CFPB), your state attorney general, and the FTC.

7. Consult a consumer protection attorney
   If the behavior continues, or if damages are significant, a lawyer with experience in debt collection law can help you file suit and recover compensation.

How Consumer Rights Law Firm PLLC Can Help

Consumer Rights Law Firm PLLC focuses on holding debt collectors accountable. Their services include:

• Free case evaluation

• No upfront fees—you pay only if they win

• Expertise in FDCPA and consumer protection laws

• Help sending appropriate demand letters and taking legal action

• Pursuit of compensation for emotional distress, statutory damages, and attorney’s fees

With experienced legal representation, many consumers find that harassment stops quickly and relief is obtained.

Why You Should Act Quickly

Time matters. The sooner you act, the better you can preserve evidence and protect your rights. Laws set time limits (statutes of limitation) for filing claims. Delaying could make it harder or even impossible to bring action. Especially important if communications are ongoing or escalating.

Even if you owe part of the debt, you are not required to endure abusive, deceptive, or illegal conduct.

Conclusion

You do not have to tolerate Professional Bureau of Collections, Inc. debt collection harassment. You have legal rights under the FDCPA that protect you against threats, abuse, repeated calls, misrepresentation, and invasion of privacy.

If you are facing harassment, reach out to Consumer Rights Law Firm PLLC for a free evaluation. Their legal team is prepared to help you stop the calls, protect your rights, and seek compensation. Don’t let the harassment continue — take action now.