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Penn Credit Corporation

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Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 8 Comments

    1. Ruby Santiago on June 26, 2014 at 1:37 pm

      I just received a notice from FICO credit watch stating that this company has put a collection notice on my account for $624. I don’t have any idea what this amount is for or how they were able to report this and cause my credit score to DECREASE by 35 points!! Please help.

    2. Ronnie Paige on January 4, 2015 at 11:56 am

      As with the previous poster, I was notified by MyFico credit alert that Penn Credit arbitrarily posted 9 – yes 9 -collection accounts on my Experian credit file. My score dropped 44 points instantly! No letter, no contact whatsoever and WHAM!! These people are crooks!

    3. Tim Burgess on March 15, 2015 at 12:57 pm

      Penn Credit Corporation put a negative mark on my credit report, stating that I owed them $177.00 for some unknown reason, from 2010. I did not do this. No one can explain anything to me pertaining to this so-called debt. Now I see that Penn Credit Corporation has 197 complaints with the Better Business Bureau.

    4. Leland T. on April 19, 2015 at 9:28 pm

      I’m so sick of getting calls from Penn Credit Corporation from 8009001372. Penn Credit Corporation calls at any hour of the day or night. Penn Credit Corporation has no respect for anyone.

    5. Tim H. on April 30, 2015 at 9:50 pm

      Penn Credit Corporation calls twice a day. Penn Credit Corporation even called after I made a payment. Penn Credit Corporation shows no respect on the phone. The bottom line is Penn Credit Corporation is harassing me.

    6. [anonymous] on June 5, 2015 at 7:14 pm

      Penn Credit Corporation calls my home looking for someone who doesn’t live here. I have told Penn Credit Corporation they have the wrong number repeatedly. Still Penn Credit Corporation calls.

    7. Jack on August 21, 2015 at 9:38 am

      I have been contacted by phone several times a month for a collection of $5,000 for a utility bill that had built up through years, and within a abusive relationship by which my ex did not pay the monthly bill, unfortunately in my name and credit!

      I obviously have been put in a hardship, and am able to pay this. Trying to move on, I called Penn Credit to make an arrangement, or possible debt forgiveness, or reduction. The Rep said they could only collect the full amount, no reductions. But they told me to write a letter asking for a reduction! Or call the original Creditor! What kind of information is that? Very ignorant, and unprofessional.

    8. Erica H. on September 4, 2015 at 9:00 pm

      Penn Credit Corporation did not have permission to go into my account like they did. I call Penn Credit Corporation on it, and they will not return calls.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.