How to Stop Progressive Debt Collection From Calling

In today's culture, debt is nearly unavoidable. Paying payments on time and cooperating with creditors can help you avoid collection agency mailings and calls.

Do you know how to negotiate with debt collectors? Can they take your stimulus or lottery money?

Progressive Debt collection is one of many collections agencies, like ERC and many other agencies that attempt to collect debts, especially medical debts.

DoNotPay has the facts that can help you retain your sanity and legally write a dispute letter to the debt collector. Learn the statute of limitations for your state, how long collections agencies can collect, how often the cases go to court, and more by reading on.

What is Progressive Debt Collections?

Progressive is a privately held corporation established in 1995 which specializes in collecting third-party debts. Debt collectors use a variety of techniques to collect debts, including collection calls and mailings. Additionally, litigation may result in asset seizure or salary garnishment in rare cases.

Your Rights When Dealing With Progressive Debt Collections

Dealing with debt collectors can be tricky. Regardless what a debt collector says, you have rights before paying.

1. For starters, you have the right to seek written communication. You cannot, however, request it over the phone; you must submit a cease-and-desist letter through certified mail. Then you may dispute the debt they claim you owe.

2. Debt collectors may not harass family members for payment; they may only get your contact information. They may not discuss the debt with anybody other than your lawyer, you, or your spouse.

3. Debt collectors will try to hide information, which is illegal. Never pay over the phone unless you have the original company's contact information and the exact amount owing.

4. Finally, debt collectors may not threaten arrest, repossession, or garnishment unless they can or intend to carry them out. Collectors are trained to exploit fear to get you to pay, and identity thieves have mastered the craft.

Do I Need to Respond to Debt Collections Letters?

The short answer? Yes.

• If you get a collection letter, you must answer promptly, whether or whether you owe the obligation. If you do not owe the amount, now is the time to create a debt verification letter. You may then decide whether to negotiate with the debt collector.
• Ignoring debt collectors may result in worse credit scores, lawsuits, income garnishments, and more. Responding to debt collectors prevents them from escalating the case and further hurting your credit and future.

How to Respond to Progressive Debt Collections on your own

Progressive Debt Collections has five days from the receipt of the debt to notify you via mail that you have a debt sitting in collections with their company. After the receipt of this letter, there may be other letters, and then the calls will start.

You can receive the calls and gather the information you need to start responding to the debt immediately or respond to the letter you receive. You will need to begin by crafting a debt verification letter to make sure the debt is truly yours. After that, you will need to request all communication be done in writing.

You can negotiate with the debt collectors to pay the debt if you owe the debt. Make sure you do not give out information over the phone. After the debt has been paid off, it may still appear on your credit report, and in some cases where the debt is sold to another company, it can be on your report multiple times.

Negotiate with debt collectors with the help of DoNotPay

Dealing with debt collection agencies like Progressive Debt Collections is a lengthy process. No one has the time or patience to work through the paperwork and craft letters to send by certified mail, especially when you're trying to work to get the money to pay your debts! DoNotPay has your back in a few simple steps.

Here’s how it works:

1. Search “debt collection” on DoNotPay.

2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail or file your complaint automatically with the CFPB so that they're no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increases and Clean Credit Report!

Why Use DoNotPay to deal with debt collectors?

First, DoNotPay works across all companies and states with the click of a button. Using DoNotPay to deal with debt collection agencies will make the process smoother, easier, and more successful. Stop getting threatening calls and have DoNotPay assist you with verifying your debt and stopping the collections calls.

What else can DoNotPay do?

Finally got those pesky debt collectors straightened out? Good!! DoNotPay can help you sort out many more situations like:

• Learning how to cancel subscriptions
• Getting help paying bills
• Finding missing money
• Cleaning up your credit reports

Have confidence that DoNotPay has a solution for practically every issue you may encounter!