Is Professional Credit Service Legit?

Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Professional Credit Service is a legit debt collection agency that collects debts for companies spanning multiple industries. If a debt collector from Professional Credit Service contacts you demanding money, don’t panic! You can ask them to validate the debt, respond to any legal action, and settle your debt before going to court. In this article, SoloSuit will show you how.

You’re having a relaxing day off when you suddenly get a call from an unfamiliar number. Out of curiosity, you answer the phone, only to find that it’s a call from a debt collector. According to the caller, you owe a substantial debt, but this is the first you’ve heard of it. You’re tight on cash as it is — how are you going to pay for this, too?

If you’ve been unfortunate enough to live through this scenario, it’s easy to feel hopeless. But if you’ve recently been contacted by Professional Credit Service about a debt, resolving it might be easier than you think. Here’s what you need to know.

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What is Professional Credit Service?

Professional Credit Service is a debt collection agency headquartered at 400 International Way, Suite 100, Springfield, OR 97477. The company claims that it “has been helping consumers get out of debt and take back control of their finances since 1933.” In other words, it’s been pestering people for money for 90 years!

Many collection agencies have a specialty, but as far as we can tell, Professional Credit Service is a jack of all trades and a master of none. According to the company’s website, it collects debt in the following areas:

Medical debt.
Court fees and fines.
Auto loans.
Utilities.
Other services.

The Professional Credit Service phone number is 800-972-1635, although its representatives may or may not call you from that number.

Is Professional Credit Service legit?

Professional Credit Service is a legitimate business. But unsurprisingly, plenty of consumers aren’t too happy with it. That said, as of October 2023, it has an A+ rating with the Better Business Bureau.

The debt collection agency has dozens of complaints that were submitted in the last three years. Many of those complaints are related to collection accounts appearing on credit reports, and a significant number of consumers report having no contact from Professional Credit Service before the collection appeared.

We were somewhat surprised to find that as of December 2023, Professional Credit Service appears to have no complaints against it in the Consumer Financial Protection Bureau (CFPB) database. Then again, this debt collector claims that it’s 99.99% complaint-free, so maybe it is just a little bit better than other collectors!

The photo below is Professional Credit Service’s office in Springfield, Oregon:

What to do if Professional Credit Service in Springfield, OR, says you owe money

If Professional Credit Service has just reached out to you saying you owe money, the most important thing to remember is to not panic. Debt collectors want you to become so panicked that you pay the debt immediately without asking questions.

Don’t do this! Many consumers have no idea that under the Fair Debt Collection Practices Act (FDCPA), they have a legal right to make a debt collector prove they owe money. You’ll need to request that proof with something called a Debt Validation Letter.

There are six specific things you need to ask for:

The name of the original creditor.
The exact amount the debt collector is claiming you owe.
A copy of the original contract between you and the creditor.
The most recent transaction made on the account in question.
Proof of Professional Credit Service’s legal right to collect the debt.
Professional Credit Service’s license number to operate in your state.

Wondering how to write a Debt Validation Letter? Check out SoloSuit’s video on how to draft a great Debt Validation letter in two easy steps!

If Professional Credit Service doesn’t have all the necessary proof, the company might stop bothering you about the debt. If the debt has appeared on your credit report, it will likely remove it.

However, Professional Credit Service may be able to validate your debt. If you don’t take steps to repay a validated debt, the company could file a lawsuit against you. That’s something you want to avoid if at all possible. Fortunately, most debt collectors are willing to work with you.

Let’s consider an example.

Example: Jessica gets a surprise letter from Professional Credit Service saying she owes $500 for a past hospital stay. She sends a Debt Validation Letter, and the company is able to prove she owes the debt. Here’s the problem: Jessica can’t afford to pay the $500 right now. She tells Professional Credit Service about her dilemma, and the company offers her a couple of options. The first is to pay $350 right now to immediately settle. The second is to pay the full amount over time — Jessica would need to pay $50 per month over a period of 10 months. It would be financially stressful for Jessica to pay $350 up front, so she chooses the payment plan. That way, she can clear up the debt without worrying about it progressing to a lawsuit. However, imagine that Jessica chose to ignore the fact that Professional Credit Service successfully validated her debt. In that case, she would likely have faced a debt lawsuit. Lawsuits tend to be more time-consuming and expensive, so Jessica is thankful she chose to deal with her debt right away!

If Professional Credit Service has contacted you about a debt but has not filed a lawsuit against you, it’s important to act quickly. Save time and effort with SoloSuit’s Debt Validation Letter template!

Need to resolve your debt with Professional Credit Service?

We can help. At SoloSuit, we understand that any communication from a debt collector can be extremely stressful. It’s tempting to ignore it — but unfortunately, ignoring debt will likely make the problem worse.

SoloSuit makes it easy to handle your debt. The first step is to send a Debt Validation Letter to make Professional Credit Service prove that you owe what it claims you do. If the company can prove the debt is real, you can pay it in full or offer a settlement. If you aren’t in a position to do either, it’s worth asking about setting up a payment plan.

If you’re thinking about settling, check out SoloSuit’s Debt Lawsuit Settlement Letter.

Watch this video to learn more about how to stop debt collection calls and settle your debt:

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