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Pioneer Credit Recovery Inc


26 Edward St
PO Box 100
Arcade, NY 14009

Contact Them:

(585) 492-1234


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.


    1. James H. on March 29, 2015 at 10:11 pm

      I have moved to a new address and when Sallie Mae tried to reach me, they could not, I was under the assumption that my student loan was in deferment for the next year as stated on the form I faxed over. Then Pioneer Credit Recovery started to garnish my wages for a student loan and added more than $13,000 to my student loan. I was garnished $300 a month by Pioneer Credit Recovery and that payment was never applied to my student loans. Pioneer Credit Recovery kept all payments totaling $3600. Pioneer Credit Recovery left me with a $65,000 student loan, up from $52,000. My employer was the one who notified me that Pioneer Credit Recovery had a garnishment order. Pioneer Credit Recovery has illegally added $13,000 to my student loans. Pioneer Credit Recovery refuses to take my calls or respond to my letters.

    2. Robin D. on May 14, 2015 at 10:13 pm

      Pioneer Credit Recovery contacted my place of business. When I received a voice mail message from Pioneer Credit Recovery, I was disturbed, and called them back right away because I have excellent credit and I couldn’t image what the issue was. When I contacted Pioneer Credit Recovery, they tried to get me to identify my personal information and I told them I would not reveal this information on the phone. Pioneer Credit Recovery then provided the information for the person they were looking for and I confirmed right away that they contacted the wrong person.

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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.