ProCollect Debt Collection: How to Settle for Less

Dealing with debt collectors feels scary. But you have more power than you think.

Our partner Solo helps you understand your legal rights. You can resolve your ProCollect debt issue.

Settle Your ProCollect Debt for Less Today

Don't let ProCollect take you to court. Our partner helps you respond to lawsuits and negotiate settlements for 30-50% less. Get started before your deadline expires.

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ProCollect is a legitimate debt collection agency. You can negotiate with them. You can settle for less than you owe.

Here’s everything you need to know about beating ProCollect.

What Is ProCollect?

ProCollect is a debt collection agency based in Dallas, Texas. The company also runs a call center for customer service operations.

They focus mainly on multifamily housing and student housing debts.

Here’s how to reach ProCollect:

Phone: 800-839-8186 or 214-341-7788
Email: infotocollector@procollect.com
Address: 12170 Abrams Rd #100, Dallas, TX 75243
Website: https://procollect.com/

Who Does ProCollect Collect For?

ProCollect works with companies across multiple industries. They specialize in apartment complexes and student housing properties.

If you have unpaid rent or fees, ProCollect might contact you.

What Do ProCollect Reviews Say?

Online reviews for ProCollect are mixed. Some consumers report positive experiences. Others complain about aggressive tactics.

Check reviews on these platforms:

Google Reviews
Better Business Bureau
Yelp

One reviewer named Greg had this to say:

“False Collections report sent to Procollect for a company I’ve never worked with and they even had the wrong last name. One phone call and an email was all it took to get it sorted out. Very professional and polite.”

Greg’s experience shows ProCollect will work with you. Communication is key to resolving your debt.

Your Rights When Dealing With ProCollect

The Fair Debt Collection Practices Act protects you. ProCollect must follow specific rules.

What Debt Collectors Cannot Do

ProCollect cannot:

Pretend to be government agents
Threaten to arrest you
Call before 8 AM or after 9 PM
Harass you with excessive calls
Threaten physical harm
Publicly shame you about your debt
Demand your Social Security number

If ProCollect violates these rules, report them. File complaints with the FTC or CFPB.

How to Beat ProCollect Debt Collectors

You have several options for dealing with ProCollect. Each strategy protects your rights.

Send a Debt Validation Letter

A debt validation letter is your first defense. Send one as soon as ProCollect contacts you.

The letter forces ProCollect to prove the debt is yours. They must stop collection until they provide verification.

You have 30 days from first contact to request validation.

Dispute Errors on Your Credit Report

Check your credit report regularly. You get one free report yearly from each bureau.

If you see a ProCollect entry you don’t recognize, dispute it immediately.

Send dispute letters to both the credit bureau and ProCollect. Include any evidence supporting your claim.

Respond to a ProCollect Lawsuit

ProCollect might sue you in court. You must respond within 14-35 days.

Don’t ignore a lawsuit. Even if you owe the debt, file an Answer.

Our partner Solo simplifies the response process. The software guides you through each step.

Follow these three steps:

Respond to each claim in the Complaint
Assert your affirmative defenses
File with the court and send a copy to ProCollect’s attorney

Filing an Answer prevents an automatic judgment against you. You create leverage for settlement negotiations.

How to Settle Your ProCollect Debt

Settlement often works better than fighting in court. You can negotiate for less than you owe.

Step 1: Calculate What You Can Pay

Review your budget carefully. Determine how much you can afford as a lump sum.

Consider all your living expenses first. Don’t offer more than you can actually pay.

If you can’t pay a lump sum, calculate monthly installments.

Step 2: Make Your Settlement Offer

Start by offering 30% to 50% of the original debt. ProCollect will likely counteroffer.

Lump sum payments get better deals. Collectors prefer immediate payment over payment plans.

Be prepared to negotiate. ProCollect wants to collect something rather than nothing.

Step 3: Get Everything in Writing

Never pay until you have a written agreement. The document must state specific terms.

Your settlement agreement should include:

The exact settlement amount
Confirmation the payment settles the debt in full
Agreement to stop all collection activities
How they’ll report the debt to credit bureaus

Only make payment after receiving this written confirmation.

Our partner Solo handles settlement negotiations for you. The platform sends and receives offers until you reach agreement.

Example: Bob’s Successful Settlement

Bob owed ProCollect money from an old apartment lease. ProCollect sued him in court.

Bob filed his Answer first. Then he used settlement software to negotiate.

ProCollect accepted his offer of 45% of the original debt. Bob paid the settlement amount.

The lawsuit disappeared. The collection calls stopped. Bob saved 55% on his debt.

What Happens After Settlement?

ProCollect should stop all collection activities immediately. They cannot contact you about the debt again.

Keep your settlement agreement forever. You might need it as proof later.

Check your credit report after 30-60 days. Verify ProCollect reported the debt as settled or paid.

If they report incorrectly, dispute it with the credit bureaus.

When to Consider Legal Help

Most people can handle ProCollect on their own. But some situations need professional assistance.

Consider getting help if:

ProCollect violates your rights repeatedly
The debt amount is very large
You face multiple lawsuits
ProCollect refuses to negotiate reasonably

Consumer protection attorneys often work on contingency. You might not pay anything upfront.

Take Action Against ProCollect Today

You don’t have to fear ProCollect. You have rights and options.

Start by validating the debt. Then decide whether to settle or fight.

Most debts can be settled for 30-50% less. You can negotiate successfully.

Don’t wait until ProCollect sues you. Take control of your situation now.

Frequently Asked Questions

What is ProCollect and is it a legitimate company?

ProCollect is a legitimate debt collection agency based in Dallas, Texas. They specialize in collecting debts for multifamily housing and student housing properties. You can verify their legitimacy through the Better Business Bureau and by checking their license status with the Texas Department of Licensing and Regulation.

How do I respond to a lawsuit from ProCollect?

You must file an Answer with the court within 14-35 days of receiving the lawsuit. Your Answer should respond to each claim ProCollect makes and include any affirmative defenses. Send a copy to ProCollect's attorney after filing with the court. Never ignore a lawsuit, as this results in an automatic judgment against you.

Can I settle my ProCollect debt for less than I owe?

Yes, you can typically settle ProCollect debts for 30-50% of the original amount. Start by offering a lower percentage as a lump sum payment. Get any settlement agreement in writing before paying, and make sure it states the payment settles the debt in full and stops all collection activities.

What should I do when ProCollect first contacts me?

Send a debt validation letter within 30 days of first contact. This letter forces ProCollect to prove the debt is yours and stops collection activities until they provide verification. Keep records of all communication and never provide personal information like your Social Security number over the phone.

How do I dispute a ProCollect entry on my credit report?

Send dispute letters to both the credit bureau reporting the error and to ProCollect. Include any evidence that supports your claim, such as proof of payment or documentation showing the debt isn't yours. Credit bureaus have 30 days to investigate your dispute and respond.

Is ProCollect Legit? How to Settle Your Debt with This Collector