Pacific Credit Services, Inc.

Pacific Credit Services, Inc. (PCS) is a third-party debt collection agency located in Watsonville, California. The Consumer Financial Protection Board (CFPB) is a government agency charged with protecting consumers from unfair, deceptive or abusive debt collection practices. The CFPB has received reports from consumers that PCS engages in unlawful debt collection practices, including trying to collect debts that are not owed by the consumer.

The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) regulate debt collectors and creditors' communication with third parties. When a debt collector mistakenly contacts somebody other than the intended consumer, then the debt collector has effectively contacted a third party and is not permitted to continue to contact that person.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold PCS accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.