Stop Calls from (855) 267-7451 Personal Finance Company

Being contacted about unpaid debt creates stress. Multiple daily calls from debt collectors make it worse. You’re not alone if (855) 267-7451 keeps calling you.

Many consumers face harassment from this number daily. Personal Finance Company (PFC) owns it. You might receive these calls if you took out a loan recently. Medical bills and credit card payments can also trigger contact. The good news? You can stop these calls.

Stop Personal Finance Company Calls Today

Don't let debt collectors harass you. Respond to their lawsuit and negotiate a settlement before they get a default judgment. Act now to protect your wages and bank account.

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Is (855) 267-7451 Legit?

Yes, (855) 267-7451 is legitimate. Personal Finance Company operates from northern Colorado. They collect debts for financial organizations, healthcare providers, retailers, and government agencies.

Their website claims they’ve operated since 1904. Their BBB profile shows incorporation in 2017. Here’s their contact information:

Phone Number: 800.864.4391 (M-F 7 am-6 pm MST)
Mailing Address: PO Box 1686, Greeley, CO 80632-1686
Physical Address: 5754 West 11th Street, Suite 100, Greeley, CO 80634
Website: pfcusa.com

How Personal Finance Company Works

You receive services or products on credit. Creditors expect payment the following month. Missing payments for 90-180 days triggers action.

Your original creditor transfers your account to PFC. They push you to pay the debt. PFC gets a percentage of collected amounts.

Some creditors sell debts to PFC at discounted rates. PFC then attempts to collect the full original amount from you.

If you’ve been sued and the debt is valid, settlement could resolve the matter. Our partner Solo helps you negotiate and reach settlements with debt collectors like Personal Finance Company.

Stop Unwanted Calls from Your Phone

The Telephone Consumer Protection Act protects you from harassment. You have rights against multiple daily calls. The law restricts pre-recorded voices and SMS messages.

Violations result in $500 to $1,500 fines per illegal call. You can legally protect yourself from annoying calls.

Stop Calls at the Source

Register your number on the Do Not Call Registry online
Call (888) 382-1222 to register by phone
Request PFC remove your number and communicate via email
Contact your phone company’s annoyance department to trap (855) 267-7451

Block Calls to Your Phone

Download call-blocking apps like Nomorobo
Change settings to receive calls from recognized numbers only
Sign up for paid call-trapping services

How to Get Personal Finance Company to Stop Calling

Previous methods stop calls temporarily. They don’t address the underlying debt. If you have genuine debt with PFC, the problem remains. They can take further action against you.

The best approach addresses the debt directly. Here are proven strategies:

Send a Debt Validation Letter requesting PFC verify the debt
They must stop calling until they respond by law
Dispute inaccurate debts with the three credit bureaus
Plan to settle the debt for less than you owe

Real Example: Stopping PFC Calls

Gavin kept getting calls from 8552677451. Personal Finance Company claimed he owed a debt. He wasn’t familiar with the alleged past-due account.

He drafted a Debt Validation Letter through our partner Solo. He sent it to the collection agency. Collectors realized they had wrong debt information. They stopped calling immediately.

Know Your Rights Against Debt Collectors

Debt collectors can’t call you whenever they want. Federal guidelines govern all consumer communications. Excessive calls violate your rights.

You can file a report or counterclaim if PFC violates regulations. The Fair Debt Collection Practices Act protects you.

What Debt Collectors Cannot Do

Call before 8 am or after 9 pm
Contact you at work if you’ve told them not to
Harass, threaten, or abuse you
Use false or misleading statements
Contact you after receiving a cease letter

Document every interaction with PFC. Keep records of call times, dates, and conversations. Evidence strengthens your position if you need to fight back.

Respond to a Personal Finance Company Lawsuit

PFC may sue you if debt remains unpaid. Don’t panic if you receive a summons. You have options and rights.

Respond within the deadline stated in your court papers. Missing the deadline results in default judgment. The collector wins automatically and can garnish wages.

Our partner Solo helps you respond to debt collection lawsuits. You can draft a professional Answer document. Protect your rights and increase winning chances.

Steps to Respond to a Lawsuit

Review the summons and complaint carefully
Note your response deadline immediately
Gather evidence about the alleged debt
Draft an Answer document addressing each claim
File your Answer with the court before the deadline
Send a copy to the plaintiff’s attorney

Many consumers win cases by simply responding. Collectors often lack proper documentation. Challenge them to prove you owe the debt.

Negotiate a Settlement with Personal Finance Company

Settlement resolves debt for less than the full amount. PFC often accepts reduced payments. They prefer getting something over nothing.

Start negotiations by offering 30-50% of the balance. Many collectors accept these amounts. Get any agreement in writing before paying.

Never give collectors direct access to your bank account. Pay with money orders or certified checks. Keep proof of all payments.

Settlement Tips

Negotiate only what you can afford to pay
Request deletion from credit reports as part of settlement
Get written confirmation before making any payment
Never restart the statute of limitations by acknowledging old debt
Consider tax implications of forgiven debt amounts

Our partner Solo streamlines settlement negotiations. You can reach agreements quickly and efficiently with collectors like Personal Finance Company.

Frequently Asked Questions

What is Personal Finance Company?

Personal Finance Company is a debt collection agency based in Greeley, Colorado. They collect debts for financial organizations, healthcare providers, retailers, and government agencies. They've operated since the early 1900s and were incorporated in 2017.

How do I stop calls from (855) 267-7451?

Send a Debt Validation Letter requesting proof that you owe the debt. By law, they must stop calling until they provide verification. You can also register your number on the Do Not Call Registry and request they only contact you via email.

Can I sue Personal Finance Company for harassment?

Yes, if they violate the Fair Debt Collection Practices Act. Violations include calling before 8 am or after 9 pm, using abusive language, or continuing to call after you've sent a cease letter. Each violation can result in fines of $500 to $1,500.

What should I do if Personal Finance Company sues me?

Respond before the deadline stated in your summons. Draft an Answer document addressing each claim in the complaint. File it with the court and send a copy to the plaintiff's attorney. Failing to respond results in automatic default judgment against you.

How much will Personal Finance Company settle for?

Many debt collectors accept 30-50% of the original balance as settlement. They prefer receiving partial payment over nothing. Always get settlement agreements in writing before making any payment, and request deletion from your credit report as part of the deal.

How to Stop Calls from (855) 267-7451 Personal Finance Company