Dealing with daily spam calls from debt collectors? You’re not alone. A recent report by Urban Institute found that over 25% of Americans have a debt that is currently in collections. If you’re one of these 64 million Americans, you can expect a relentless barrage of communication – this includes everything from demanding phone calls and letters, text messages, emails and more.
To put a stop to the harassment – and win a judgment if you’re ever asked to appear in court over an unpaid debt – you’ll need to know your rights as a consumer, and respond accordingly. These agencies won’t stop pursuing you until the debt is paid, so it’s important to be proactive about protecting yourself to avoid more drastic steps like bankruptcy.
Paragon Contracting Services is a Tamarac, Florida-based debt collection agency that primarily services companies in the healthcare and insurance industries. As a third-party collector, Paragon makes a profit by buying delinquent medical debt for a fraction of the amount due. In some cases, they are hired by medical institutions to collect outstanding debt with a percentage of what is collected going back to the institution.
Yes. Paragon Contracting Services is a legit debt collector. If you've been contacted by this company about a debt, it's important to take it seriously and develop a plan of action. Here is a bit more information about this agency:
Despite having a legal right to collect on debts, numerous complaints have been filed against the company with the Better Business Bureau page and Consumer Financial Protection Bureau (CFPB) database. The nature of these complaints range from accusations of verbal abuse and harassment to attempts to collect on nonexistent debts.
If you've received phone calls from Paragon Contracting Services, chances are it's because you owe on an unpaid debt that was sold to the collections agency. In some cases, consumers may be harassed for debts that they do not actually owe. Here are some common reasons why that may happen:
If you believe you're being asked to pay on a debt that is either not yours or has already been paid, it's best to consult with an attorney. An experienced legal expert can help walk you through the steps of contacting the collector to inform them of their error, and even filing a lawsuit or -- in the case of identity theft -- filing a police report if necessary.
While debt collection agents can be intimidating — and are not shy about using a variety of aggressive tactics to pressure consumers into paying their debts — they are not without legal restrictions on how they’re permitted to behave in attempting to settle a debt. This is why the Fair Debt Collection Practices Act (FDCPA) was enacted to protect people from unfair treatment.
This federal law outlines what debt collectors can and cannot do when attempting to collect a debt, including but not limited to the following:
If PCS is violating any of your rights as a consumer, you can take action against the abuse. While many consumers file complaints with the Better Business Bureau and Consumer Financial
Protection Bureau, these complaints often go unheeded. The best way to make the collector listen is by working with an attorney who can help you prepare a lawsuit against them and win a judgment in your favor in court.
To ensure a successful outcome, be sure to carefully document all of your correspondence with Paragon Contracting Services. Insist on written communication when possible, as any abuse communicated in a letter is easily admitted as evidence.
Paragon Contracting Services represents a broad spectrum of businesses in the healthcare industry. This includes hospitals and private clinical practices that offer a range of services such as family medicine, general surgery, critical care and sports medicine.
Recent laws under the Biden administration have expanded the rights of consumers and set increased limitations on what agencies like PCS can and can't do to collect on medical debt. Consulting with an attorney who is familiar with these new laws can help eliminate your medical debt by compelling Paragon Contracting services to act within the parameters of new guidelines and regulations.
When you receive a lawsuit from any debt collection agency, it’s important to take immediate action to protect your financial interests. While it isn't legal to arrest someone for non-payment of a debt in the United States, debt collection agencies are allowed to sue consumers who fail to pay legitimate debts.
The following steps can help you effectively combat a lawsuit from PCS or any other collection agency:
Our firm offers a free case review, helps to identify falsities on your credit report, and disputes them on your behalf to get them removed from your report. If your debt with Paragon Contracting is legitimate, get in touch with them to discuss payment options.
It’s important to provide detailed information about why you dispute the debt in question. It also helps to include any evidence that supports your case in order to increase your likelihood of winning a judgment.
Be sure to seek advice from a qualified legal professional or consumer rights organization before filing your answer. This will help ensure that all relevant information and arguments have been considered from the standpoint of someone with knowledge of the collections industry.
At Fair Credit, we understand just how intimidating debt collection agencies can be and how hard it can be to protect yourself from their tactics. That's why our legal experts dedicate their time and effort to helping individuals who have been wrongfully targeted by collection agencies such as Paragon Contracting Services.
Our team has decades of experience fighting for consumer rights in court cases related to debt collections and other financial matters. By standing up for what is right and fair, we ensure that our clients receive the full protection they deserve under state and federal law.