Professional Adjustment Corp Debt Collection Harassment — How to Stop the Calls

Enduring endless calls, threats, or intimidating messages from Professional Adjustment Corp can be exhausting. If these interactions cross the line into harassment, you don’t have to accept them. This article explains what harassment looks like, your rights under federal law, and practical steps you can take to end the abuse.

👉 If you are experiencing Professional Adjustment Corp debt collection harassment / stop the calls, this guide will help you understand your protections and how to fight back.

What Constitutes Harassing Behavior

While debt collection itself is a lawful activity, certain practices are unlawful. Harassment by Professional Adjustment Corp can occur in many forms, including:

• Calling you repeatedly—multiple times per day

• Contacting you at unreasonable hours (very early in the morning or late at night)

• Threatening legal action, wage garnishment, property seizure, or arrest without legal authority

• Using profanity, insults, or overly aggressive language

• Not providing written proof of the alleged debt upon request

• Misrepresenting the amount owed, your rights, or possible consequences

• Sharing your debt information with friends, family, or employers

• Ignoring your written requests to cease communication

If Professional Adjustment Corp is engaging in any of these behaviors, the actions may violate consumer protection law.

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

The Fair Debt Collection Practices Act (FDCPA) is federal legislation that limits how third-party debt collectors may lawfully pursue debts. If Professional Adjustment Corp qualifies as a debt collector under the FDCPA, these protections apply:

• No harassment or abuse: They cannot threaten, harass, use repeated calls to annoy, or use profanity or abusive tactics.

• Call time restrictions: They may only contact you between 8 a.m. and 9 p.m. local time, unless you consent otherwise.

• Right to validation: Within five days of initial contact, they must mail you a written notice stating the amount owed, the name of the original creditor, and your right to dispute the debt.

• Right to dispute: You have 30 days to dispute the debt in writing; during verification, collection efforts must stop.

• Cease communication request: You can send a written “cease and desist” request. Once received, further contact must be limited to legal notices.

• Truthful representation: Collectors cannot misrepresent the debt, threaten action they cannot take, or misstate their authority.

• Limitation on third-party disclosures: They may not talk about your debt with others (family, friends, employer) except under narrowly allowed circumstances.

A violation of any of these rules may entitle you to statutory damages, actual damages, and recovery of attorneys’ fees.

What You Should Do If Calls or Harassment Continue

If Professional Adjustment Corp is harassing you, here’s a structured plan to protect yourself:

1. Document Every Communication

Record the date, time, caller number, name, and content of every conversation. Save voicemails, letters, texts, emails, and screenshots.

2. Avoid Admitting Liability

Do not acknowledge the debt or agree to payments over the phone until you receive written documentation validating the debt.

3. Demand Written Validation

Send a written request asking Professional Adjustment Corp to validate the debt (account statements, original creditor, breakdown of amounts). They must furnish it before continuing collection.

4. Dispute the Debt if It’s Incorrect

If the debt is mistaken—wrong amount, wrong identity, already paid—submit a written dispute within 30 days. Collection efforts must pause until verification.

5. Send a Cease and Desist / Stop Contact Letter

If harassment persists, send a clear written request to stop contacting you. Once they receive it, the only permissible communications are legal notices (like lawsuit steps).

6. File Complaints with Authorities

You can lodge complaints with your state attorney general, the Consumer Financial Protection Bureau (CFPB), and the Federal Trade Commission (FTC).

7. Get Legal Help from a Consumer Rights Attorney

If the abuse continues, a qualified attorney can help you evaluate whether Professional Adjustment Corp violated your rights and assist with a lawsuit to recover damages and force them to cease harassment.

How Consumer Rights Law Firm PLLC Can Assist

When collectors cross legal boundaries, Consumer Rights Law Firm PLLC acts as your advocate. Their attorneys have strong experience handling FDCPA and consumer protection cases.

They offer:

• A free case evaluation to assess your rights

• No upfront fees—you only pay if they obtain a recovery

• Expertise in FDCPA and state consumer protection statutes

• Swift legal action to demand cessation of abusive calls

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

Often the involvement of a law firm leads to immediate relief from harassment.

Why Acting Promptly Matters

Every harassing call or threat can take a toll on mental well-being and may be evidence in a legal case. Delaying can allow behavior to escalate and can jeopardize your claim if statutes of limitation expire. Taking prompt action helps preserve evidence and strengthens your position.

Even if part of the debt is valid, you have the right to be treated lawfully and respectfully.

Conclusion

You don’t have to suffer Professional Adjustment Corp debt collection harassment / stop the calls. The FDCPA and related laws give you strong protections: the right to validation, to stop harassment, and to pursue compensation when collectors violate your rights.

If you’re enduring abusive collection tactics, contact Consumer Rights Law Firm PLLC today for a free consultation. Their legal team can help you stop the harassment, protect your rights, and recover damages. Don’t let collectors intimidate you—take action now.