How to Stop Harassment From Windham Debt Collectors

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Stop Windham Professionals Debt Collectors’ Unfair Collection Practices

Though you may have good intentions, a situation might go out of control. That's indeed true concerning loan repayments. Nobody loves to lag behind payments. If that happens, debt collectors can start harassing you, thereby violating your right as a consumer. One such agency is .

Sadly, most third-party collectors are not reputable or abide by the law when collecting debts. But, how can you negotiate with debt collectors or deal with them? You can, and DoNotPay can help.

DoNotPay can help you to stop unfair debt collection practices from third-party collectors.

What Is Windham Professionals Debt Collectors Agency?

Founded in 1982, is a top-tier debt collection agency. They work by helping customers recover their overdue debt. Windham Professionals oversees commercial and consumer debts, including court-ordered judgments, to assist them in recovering delinquent loans. They serve industries like healthcare, finance and insurance, transportation, telecommunications, and much more.

CompanyWindham Professionals Inc. (
Mailing Address384 Main Street

Salem, NH 03079

Phone Number(800) 969-0059
Email or Contact
Fax(603) 890-3554

Is Windham Professionals Debt Collector Agency Legitimate?

Yes, Windham Professionals is a legit company, according to the Better Business Bureau (BBB). Their file was opened by the BBB in December 1992, 10 years after the company was established. The company is based in Salem, NH, with locations in Chicago, Portland, Boston, etc. Besides third-party collections, they offer ARM services, customer care, retention, and much more.

Your Rights When Dealing with Windham Professionals Debt Collector Agency

The Fair Debt Collection Practices Act (FDCPA) is a federal law applicable to everyone in the US. Everybody is protected under the FDCPA. The act contains what debt collectors can/cannot do and what they must do during debt collection. You have rights under the FDCPA if Windham Professionals harass you.

Here are some of the rights you may have over a debt collection agency:

  • Providing a written debt validation letter within five days of initial contact
  • Not calling at unusual hours or places
  • Not exposing that you owe debts to friends, family, and employers
  • Responding to all debt verification requests and pausing collections until the debt is verified.
  • Respecting requests to stop all collection calls
  • Communicating with your attorney if you have one instead of you

How to Respond to Windham Professionals Debt Collection Agency

You need to know specific things to ask helpful questions anytime a debt collector contacts you. The good news is that the FDCPA permits debtors to find detailed information from debtors. You're expected to ask questions concerning identity, the amount owed, and the original creditor's name over the phone.

Another thing is to refrain from giving too much information when speaking with a debt collector. Don't disclose your details, especially if you're unsure if the debt is yours, who they are, and why they call. Listen patiently when a debt collector talks so that you can grab enough information from them.

It's wise to ask debt collectors questions, but it's also crucial to know the type of questions to ask.

Find out the following from debt collectors anytime they call:

  1. Debt collector's identity including name, phone number, and address
  2. Name of the original creditor
  3. When the debt was collected and for what purpose
  4. Amount of debt including other fees like collection costs and interests

Whenever a debt collector contacts you in writing first concerning a debt, they must provide you with a written notice containing specific, legally-required information. If the collection agency contacts you by phone first, demand they reach you in writing.

How to Remove Collections off of Your Credit Report?

Having debts in the collection can impact your credit score, and luckily for you, it will diminish over time. Also, the debt collection will fall off your credit report.

If you don't pay your debt on time, it will be in collections. As such, negative information given to credit bureaus can damage your credit score.

If you want to remove collections from your credit report, here are the actions to take.

  1. Carry out your findings and check all credit reports
  2. Determine the legitimacy of the account
  3. Choose an action plan
  • Request for a goodwill deletion
  • Dispute wrong or inaccurate collection accounts
  • Wait for it to fall off

DoNotPay can help through the Clean Credit Report product.

How to Solve the Problem on Your Own?

Usually, debt collectors can contact you through calls, text messages, letters, or mail. You can follow the steps below:

How Can I Handle a Debt Collector When Contacted?

If someone reaches you and alleges to be a debt collector, remain calm! First, verify the identity of the person to ensure its legit. Don't give out any personal information until you've received the debt validation letter in writing.

We recommend the following steps:

  1. Evaluate the debt validation letter and ascertain the amount owed, the original creditor, reason for debt, and identity of the collector
  2. If you have any questions or have doubts about whether the debt belongs to you, file a debt verification request. If the debt statute of limitations is about to expire, it would be best to overlook the collection and wait it out.
  3. Immediately you verify the debt, other options to take include:
  • Paying off the debt
  • Asking for the debt collector to stop reaching you. After making this request, they are legally bound to stop contacting you, but they might take up the case with a lawsuit.
  • State how you want them to reach you, whether through your lawyer or asking them not to call your workplace.
  • Report them to the CFPB and FTC for unfair debt collection practices if you think they're violating the FDCPA.

There might be a possibility that the act of limitations on your debt has expired, which means the debt collectors cannot file a lawsuit against you. DoNotPay can help you determine whether your debt is about to or has expired.

How DoNotPay Can Help You

If you have suffered harassment for long or were recently contacted, DoNotPay can help you find out whether your debt collector is FDCPA compliant. After getting some information from you, we'll help you know the proper steps to take and also contact them with a demand letter on your behalf. We can file a complaint if you decide to report the collection agency to the CFPB instead.

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 Increase and Clean Credit Report!

Why Use DoNotPay to Stop Windham Professionals Debt Collectors

You don’t have to suffer through unfair collection practices. You can stop them DoNotPay is the best choice to stop Windham Professional debt collectors from harassing you because we are:

  • Fast- You don’t have to spend too much time searching for solutions to your problem, we have all the answers you need.
  • Easy- All it takes are three steps and we’ll take care of the rest.
  • Successful- You can rest assured that we will make the best case for you.

What Else Can DoNotPay Do?

Besides helping you stop debt collectors, DoNotPay can assist you with the following:

If you need help with , contact DoNotPay.

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