Never talk to a debt collector on the phone. If the collection account is still on your credit report in a couple of months, then follow up with them and use the letter they sent you to remind them of their obligation. Loan rehabilitation is only available once on these defaulted loans. Credit Glory does not provide legal advice and is not a substitute for legal services. This can save you time and help you avoid the frustration of trying to remove their negative marks on your own. They will usually hang up. All of our articles undergo several rounds of fact-checking before we publish them, and we do our best to keep them as no-nonsense and jargon-free as possible while still delivering the information that you need. Founded in 1976, Coast Professional, Inc. is an accounts receivable management company that provides debt collection services for government and educational institutions. Call Lexington Law now to learn more: (800) 220-0084, Address: Coast Professional, Inc.4273 Volunteer RdGeneseo, NY 14454. If youve had a similar experience with Coast Professional Inc. then you have a potential case against them. These options are described further down in this article. 800-910-5837 Coast Professional, Inc. PO Box 526 Albion, NY 14411 888-928-0510 ConServe PO Box 307 Fairport, NY 14450 844-853-4875 Notification by IRS and the private collection agencies The IRS will always notify a taxpayer before transferring their account to a private collection agency (PCA). Because Performant and Pioneer will no longer collect tax debts, due to the expiration of their contracts with the IRS, the IRS recalled 1,255,541 accounts that had been assigned to them. We know that taking financial advice from us requires a lot of trust on your part. To ensure that our articles and reviews are objective and unbiased, our writers and editors operate independently from our advertisers and affiliates. If you dont, it might be a scam. The debt validation letter is the initial written communication that Coast Professional is legally obligated to send you. Thanks! Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. Some of our articles feature links to our partners, who compensate us when you click them. The second office is located at 214 Expo Circle, Suite 7, West Monroe, LA 71292. The collection agency will continue reporting negative information to all three credit bureaus until your student loans are back in good standing. The links to our partners are always clearly marked. 11, Once Coast Professional receives your debt verification letter, theyre also required by law to stop contacting you about your debt until theyve sent you evidence that you actually owe it. Coast Professional continues to call and attempt to collect a debt. This field is for validation purposes and should be left unchanged. Disputing an incorrect entry on your credit report can be stressful and difficult. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. We have found cases against them for violating the Fair Debt Collections Practices Act. The ones after that are situational, and you should follow the ones that are appropriate for your circumstances. Any derogatory item on your credit report, including a collections account, may harm your credit score. Coast Professional does not accept goodwill letters to remove collection accounts or chargeoffs in our experience, and this is typical. The account number is #2009105708. If you can show that the debt collection company has violated your rights under the FDCPA, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that youve sustained as a result of their violation. Even worse, a collections account now appears on your credit report. The best thing you can do is ignore their calls and speak with a company that can help you get it removed. But, they may spam call and harass you. Average Coast Professional, Inc. hourly pay ranges from approximately $13.24 per hour for Debt Collector to $16.84 per hour for Quality Assurance Analyst. Coast Professional has been collecting outstanding federal student loan debt on behalf of the Department of Education since 2009, and their current contract runs through 2024. If you click on one of those links, we get paid. It's best to avoid speaking to a collection agency on the phone. Coast Professional, Inc. was founded in 1998. 2, Coast Professional collects the following types of debt: 1, Since 2016, the Internal Revenue Service (IRS) has contracted with debt collections agencies to service its Private Debt Collection program, and in September 2021, Coast Professional became one of the IRSs contracted debt collection agencies. If these hours are inconvenient for you, you may ask your Coast representative to contact you at a more convenient time. She has more than 24 years of experience . Before negotiating, you should carefully review your financial situation and come up with a realistic amount to offer. Since 2016, the Internal Revenue Service (IRS) has contracted with debt collections agencies to service its Private Debt Collection program, and in September 2021, Coast Professional became one of the IRS's contracted debt collection agencies. Coast Professional will call, email, or mail you if you have unsettled debt (or they think you do). Politely tell Coast Professional its your policy to deal with everything in writing. harass, oppress, or abuse false and highly misleading methods of collecting a debt If you've had a similar experience with Coast Professional Inc. then you have a potential case against them. We are also active in multiple trade associations including the Florida Collectors Association, HFMA, and others. The Department of Education announced in 2021 that it was ending its contracts with most private debt collection agencies, including Coast Professional, and that going forward it would work with just five contractors (listed under Solicitation Documents and Contracts). The FDCPA protects you from debt collector harassment and abuse by making it illegal for debt collectors to do any of the following: 10. Call Lexington Law to learn how they can help you avoid lawsuits and remove derogatory marks from your credit history that will significantly improve your credit scores. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly. They may attempt to communicate with you via mail or phone calls (demanding payment). Coast Professional, Inc. or CPI is a third-party collection agency based in New York state. Most collection agencies do not. 200+ The number of college and university clients with the ability to collect across the United States. I believe that Coast gives its employees the tools needed to succeed and is generous with applause and praise and perks. Hiding money or assets from a legitimate collection agency is illegal if you owe them. Last year, the IRS continued to see increased collections . Youll always be able to tell what youre clicking. About Us. Because they deal with federal student loan collections, this might mean youve defaulted on your student loan payments. Coast Professional Inc & IRS Collections The IRS works with private debt collection agencies such as Coast Professional Inc that work to collect payments from taxpayers. Gulf Coast Collection Bureau began operations in 1998 and its corporate headquarters are located in Sarasota, Florida. However, bank account and credit card information should be kept private. If your loan servicer is aware of your financial hardship before your loan is placed in default status, you have more options available to you such as: This postpones your payments for at least 12 months. We invite you to contact us and welcome your calls, letters and electronic mail. Take a moment to fill out our Free Consultation Surveyat the bottom of this page! Alternatively, you can just speak to someone from Coast Professional over the phone. By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use. What is defined as a Consumer Debt and what is not. Coast Professional must be honest about who they are and what they are attempting to do. Entity Overview. If you want, you can negotiate through a debt settlement agency, but be wary of scammers and avoid companies that charge you large amounts upfront. Waterloo, IA 50704-2040. The Internal Revenue Service has awarded new contracts to three private-sector collection agencies for collection of overdue tax debts beginning Sept. 23. Thurs. However, sometimes its better just to pay the collection account, especially if its new, and youre certain that its legit. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you. 10. Home Debt Debt Collection Collection Agencies Coast Professional. You may also not have to pay at all, and if any issues with the account exist you may have it removed all together (and never have to hear from them again). Ignoring them sets you up for a possible lawsuit. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. Were grateful for that trust, and we wont abuse it. ChexSystems Have You Been Denied a Bank Account? Do not make payments to any non-IRS accounts. #studentlo, Visit link in bio to learn more. What is the Telephone Consumer Protection Act? The business category is MERCANTILE AGENCY OR COLLECTIONS AGENCY. Business ProfileCoast Professional, Inc. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt. A: According to the Fair Debt Collection Practices Act (FDCPA), an agency may only call at hours presumed to be convenient for the consumer generally, between 8 a.m. and 9 p.m. local time. You can do things on your terms, but ignoring the situation will not make Coast Professional go away. This is a Private Collection Agency (PCA) used for debt recovery. However, our web content may be different than the information you receive from a financial institution or service provider. Guaranteed Installment Loans for Bad Credit. If you have federal student loan debt, you should be aware that these approaches are relatively unlikely to workits harder to negotiate when you have this type of debt, as compared with other types like credit card debt. Of these complaints, 52 were closed in the last 12 months. How Long Does Negative Information Remain on My Credit Report? The IRS stressed that it always notify a taxpayer before transferring their account to a collection agency. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. In addition to collections, Lexington Law helps you challenge (and possibly remove) other inaccurate information from your credit report. You should consult an attorney for advice regarding your individual situation. If you are under an active wage garnishment, then you need to have the garnishment lifted or judgment vacated before you can consolidate your loans. You have rights under the Fair Debt Collection Practices Act that prohibit debt collectors from harassing you. This site is for informational purposes only and does not provide legal advice or financial advice. Are you receiving phone calls from unknown numbers, wondering why you are receiving these phone numbers? So, your actual offer terms from an advertisermay be different than theoffer terms on this site. Dont want to wait? Management does not take anything you say into consideration. Coast Professional collects for a variety of lending companies (called creditors). Your rights (and how you can enforce them) are outlined further down in this article. If Coast Professional isnt able to verify your debt (or if you discover that the debt is more than a few years old), then proceed to the next step. Biden Student Loan Forgiveness for 72,000 Borrowers. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Coast Professional is a debt collection agency. Its a good idea to also send a letter to Coast Professional and your original loan provider so that all parties have complete information when investigating the matter. Recycling collection for Monday, December 26 will be on Tuesday, December 27 along with regular Tuesday collection. Your subsidized loans will not accrue interest while you are in deferment. They buy debt from a number of different creditors that have given up on trying to collect the amount themselves (sometimes referred to as a "charge-off"). Coast Professional, Inc. is a legitimate company. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. If you dont, it might be a scam. How Do I Contact Them? The private collectors will identify themselves as contractors collecting taxes on behalf of the IRS. This hurts your score (and chances) to get approved for a loan or other important financial event. Record their phone calls. SR Rusche Collection Oelde/Berlin. Theyre a legitimate company thats been hired to collect debts on behalf of government agencies and educational institutions. Find Out! Box 2876 West Monroe, LA 71294 Toll Free: 888.815.2843 Fax: 318.807.4884 Want to learn More about coast? Find out what works well at Coast Professional, Inc. from the people who know best. The best way to stop a wage garnishment is to communicate with your loan service provider either before you miss a payment or the second you miss a payment. More Tips on Dealing with Coast Professional, Inc. Home Foreclosures and how to tell if you are protected by the Fair Debt Collections Practices Act. Our expert legal team will review your information and will help you determine if you have a case against your debt collectorat no cost to you! How To Get Student Loan Forgiveness For Police & Law Enforcement. If youve defaulted on your debts more than once or you owe a very large amount, then theres a chance that Coast Professional will accept less than the full amount you owe (a practice known as debt settlement). On their website, Coast Professional declares that "Educational Receivables Recovery is all we do." According to the ACA Int'l website, Coast Professional's complaint/ethics contact information is as follows: Coast Professional, Inc. Everett Stagg, President/COO Roxanne Baker, Ethics Contact If you want to remove Coast Professionalfrom your credit report, write to their address: In particular: Avoid the phone. We currently provide collection services to over 200 government institutions, colleges . COAST PROFESSIONAL INC is a business licensed by State of Delaware, Department of Finance, Division of Revenue. ConServe P.O. Founded in 1976 and headquartered in Geneseo, New York, Coast Professional full-service collection agency, offering collection-related services, including telep hone and mail efforts, skip tracing, and litigation . Coast Professional, Inc. (Coast) Mission Statement Coast Professional, Inc. is a top-performing accounts receivable management and customer . How to file a complaint against Coast Professional, How to get Coast Professional off your credit report, student loans can affect your credit score, report them to the Federal Trade Commission, filing a complaint on the Better Business Bureau (BBB) website, get their collection accounts off your credit report, IRS: New contracts awarded to private collection agencies; taxpayers may be contacted by one of three groups, Private Debt Collection Frequently Asked Questions, Indefinite Delivery / Indefinite Quantity (IDIQ) Contract, If you default on your federal student loan, the loan may be placed with a collection agency, which will then contact you to obtain payment, Biden Administration to Cut Ties With Debt Collectors for Student Loans. Total and Permanent Disability Discharge. Currently, only the following three agencies collect debts on behalf of the IRS: Although a Coast Professional representative will be the one to contact you about your account, you should always make your payments directly to the IRS. If you are unable to pay the full balance, you can attempt to negotiate settlement of the debt. Some deferments can last 3 years, and others are tied in with how long you qualify based on your qualifying event. This is a relatively self-explanatory concept where Coast Professional agrees to stop reporting the debt in exchange for payment. Theyll forward your complaint to Coast Professional, but theres no guarantee that the agency will address it in a satisfactory manner. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles. 10 This should be your first step. You can get your collection completely removed. The Private debt collectors (PDC) contact taxpayers on behalf of the IRS and collect defaulted tax amounts. In accordance with the FDCPA, all debt collectors are required to send this letter within 5 days of first contacting you. Coast Professional, Inc. is a debt collection agency located in Geneseo, New York. Learn more about how we make money. Dont ignore them. Simple. Dont attempt to hide money. When it comes to managing your student loan debt, you should understand your rights that collection agencies often violate because they are contracted by the Department of Education. If they dont, then theyre legally obligated to remove the debt item. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid'. A lot of the time, debt collection agencies dont have adequate evidence, whether you owe the listed amount or not. Box 425 Geneseo, NY 14454 888-928-0510 ConServe P.O. Address: 214 Expo Circle, Suite 7 Type: Debt Collection Agency. Coast provides professional collection services to over 200 campus-based colleges, universities and government clients. Its important to bear in mind that sending a goodwill letter is a long shot, and Coast Professional is under no obligation to change your report. Settling your debt with Coast Professional may help your score, but it may also hurt your score. To qualify, youll need to agree to an income-based repayment plan or make three consecutive, on-time, full monthly payments before consolidation. "Customer Service Manager""Customer Service Supervisor" retrieves an opportunity for a Customer Service Manager or a Customer Service Supervisor. SUE THEM! We promise to always deliver the best financial advice that we can. They delete millions of negative items every year from companies like Coast Professional on behalf of their clients. West Monroe, LA 71292 Student Loan Forgiveness on Disability, Do You Qualify? The license creation date is August 26, 2013. Usually this means they paid pennies on the dollar, sometimes 1/10th of the original cost, to buy this debt. Working on the agency's behalf under its Private Debt Collection program, Coast maintains a strict compliance program to provide quality service, fair treatment, and adhere to all taxpayer rights. The only time this option is available to you is if your loans are in default. Debt Strategists is not a loan servicer or originator, Companies pay us when you click a link, call a number or fill a form on our site. They must notify you that they are a debt collection agency both orally and in writing. This agency has been known to mislead consumers and use abusive and threatening collection practices when attempting to collect debts. In addition to debt collection, Coast Professional also provides call center services to clients. We are a PPMS certified agency through ACA international, the Association of Credit and Collection Professionals. ConServe, Inc. P.O. Coast Professional Inc., PO Box 526, Albion, New York, 14411; (888) 928-0510; and, ConServe, PO Box 307, Fairport, New York, 14450; (844) 853-4875. In some cases this means they purchased the debt from the original creditor (i.e. You can sue for harassment, and you wont need to pay the legal fees if you win. Box 1528. You can then reply with a debt verification letter, which requires them to provide evidence of your debt. Coast Professional isnt a scam, but you should make sure to avoid scammers by verifying your debts and only making payments once youre sure theyre legitimate. a credit card or loan company). If your garnishment is not active, you have the option of consolidating your loans under a new Direct Consolidation Loan. This can lead to multiple collections on your credit report for the same account. However, you should make sure to get the agreement in writing before you make any payments. Debt collection help might include; collection demand letters, debt collector phone calls, credit reporting to . Ask for a letter with details about the original debt, then hang up. You have the right to be left alone, and make some easy money in the process! Find company research, competitor information, contact details & financial data for Coast Professional, Inc. of Geneseo, NY. 12. Two of the new contracts are with companies the IRS originally hired, CBE and ConServe. Coast Professional Inc is a debt collection agency that specializes in educational receivables recovery. Have you been delinquent on your student loans and received written correspondence indicating that you are in danger of further legal ramifications if you fail to rectify the situation? In the other 15 states, you can record with the other partys permission. 13. Who Are They? Its important to keep a paper trail of all your communications with Coast Professional, so make sure to only communicate with them in writing. Getting this account removed may be possible. If you feel like you might be in over your head, then seek professional assistance from a credit repair expert to remove Coast Professional collection items from your credit report. Youll want to include any supporting evidence or documentation you have, including: You can also call Coast Professional on the phone, although theres a chance that the person you end up speaking to wont have the authority to make changes to your records. 4 5. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages. Paying it off could hurt your score. document.getElementById( "ak_js" ).setAttribute( "value", ( new Date() ).getTime() ); Your information is kept 100% confidential. Coast Professional, Inc. 4273 Volunteer Rd Geneseo, NY 14454 Phone number: (800) 231-0225 Should I contact or pay Coast Professional, Inc.? The other options that you have available at this point are payment in full, negotiate a settlement, consolidation, or loan rehabilitation. Fair Debt Collections Practices Act (FDCPA), false and highly misleading methods of collecting a debt. We Are all about You! The reason? They are contracted by the Department of Education to collect on defaulted student loan debt. Note: Even if Coast Professional is collecting taxes that you legitimately owe, your unpaid taxes wont affect your credit score (unlike other debts that you might owe to Coast). Company - Private. Coast Professional Contact Information Coast Professional, Inc. 651 Downing Pines Road West Monroe, LA 71292. This means your credit is still affected. To verify that you owe the debts Coast Professional claims, check your account on the IRS website. CBE Group, Inc. (Waterloo, IA) Coast Professional, Inc. (Albion, NY) ConServe (Fairport, N.Y.) While CBE Group and ConServe have been collecting IRS debts since 2016, Coast Professional, Inc is new to the mix. Address: 214 Expo Cir # 7, West Monroe, LA 71292Phone Number: (714) 734-9997Years in Business: 44Business Started: 1976 Business Started Locally: noBusiness Incorporated: yesType of Entity: corporationWebsite: https://coastprofessional.com/Doing Business As: Coast Professional Inc. Even though Coast Professional isnt a scam, its possible theyll still do something that violates your rights under the Fair Debt Collection Practices Act (FDCPA). State and federal laws have limits or 'exemptions' that apply to bank and wage garnishments. CPI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and attempting to collect debts not owed. A collections account is no different. Be especially cautious of anyone asking you to pay a debt that you dont recognize (or that you believe you already settled), and be sure to ask questions during the call to verify their affiliation with Coast Professional. These are constantly changing, and typically collection agencies, including Coast Professional, do not share publicly who they buy from. Each state has a statute of limitations on debt. Disclaimer / Attorney Advertising / Sitemap. Therefore, if you default on these loans a second time, you will need to consider other routes to take to get out of default. Coast Professional, Inc. P.O. Get a Free Consultation If you tell the debt collector you intend to record, and they keep talking, consider it permission. To support our work, we are paid for providing advertising services. In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. Yes, you can sue Coast Professional for harassment. Like other types of debt consolidation, student loan consolidation involves taking out a new loan to repay your debts. Phone number for consumer debts: 1-866-895-4766. The full press release can be found here. PO Box 2217 Waterloo, IA 50704 800-910-5837 Coast Professional, Inc. PO Box 526 Albion, NY 14411 888-928-0510 ConServe PO Box 307 Fairport, NY 14450 844-853-4875 Notification by IRS and the private collection agencies The IRS will always notify a taxpayer before transferring their account to a private collection agency (PCA). Make sure to date your letters and send them by certified mail. If Coast Professional has violated your rights under the FDCPA or done something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. Our Differentiators If you are unsure how to proceed after reading this guide, you can contact our office to speak with a professional debt specialist that can help you with your situation. Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Your collections still appears on your report for 7 years (from the date of first delinquency). Coast Professional Inc. does have the following cases brought against them for violating the Fair Debt Collections Practices Act (FDCPA). Coast Professional Inc. is a collection agency located in West Monroe, LA. The less they know about you, the better. If youre not sure where to start, then check out the sample letters provided by the CFPB. Concerned that Coast Professional might be a scam? Our reporters create honest, accurate, and objective content to help you make decisions. Lexington Law knows that you have rights, and Coast Professional, Inc. does too. Whats more, if your dispute is sent to an arbitrator, then you may give up your right to take Coast Professional to court. But they are wrong. Coast Professional, Inc is officially licensed and remains in compliance with all statutes and other legal requirements when it comes to collections. Individual results may vary. The toll-free telephone number is 800-231-0225 and the direct number is 318-807-4500. Box 307 Fairport, NY 14450 This site may receive compensation from third-party advertisers. WHO WE SERVE? Everything we publish is as accurate and as complete as we can make it. Thomas Rusche - managing director of clothing brand SR Rusche - acquired his first painting at the tender age of 14. We do not spam or sell your information. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate. Under federal law, you have the power to ask questions about their claims that you owe a debt. This system includes both debt collections and debt accounting. A review would mean a lot to us and takes less than 20 seconds. Home Is Coast Professional Inc. a scam? The average Coast Professional, Inc. salary ranges from approximately $20,000 per year for Recovery Specialist to $95,000 per year for Senior Customer Support Representative. What is the Fair Debt Collection Practices Act (FDCPA)? ), (Some clients have raised their credit scores by 100 points or more.*).
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