Debt collection is one of the most stressful experiences a consumer can face. When the phone starts ringing with calls from debt collectors, the anxiety can quickly build. One of the companies that often appears in this space is Coast Professional Collection Agency, a third-party debt collection agency that primarily manages federal and student loan collections.
While the company has been in business for decades, many consumers have reported feeling harassed or confused about their rights when contacted. Understanding who Coast Professional Inc is, what their legal boundaries are, and how to protect yourself under the law is crucial if you’re dealing with them.
This guide will help you navigate your rights, explain how debt collection works, and show you what steps to take if you feel you’re being harassed.
Who Is Coast Professional Inc?
Coast Professional Collection Agency is a long-established third-party debt collector headquartered in Geneseo, New York, with additional offices in West Monroe, Louisiana. Founded in 1976, it focuses primarily on educational and government-related debts, including overdue federal student loans and accounts referred by the U.S. Department of Education.
Over the years, The agency has expanded its operations to manage contracts for multiple federal and state agencies. Their primary goal is to help creditors recover unpaid accounts, but like all debt collectors, they must follow strict federal laws such as the Fair Debt Collection Practices Act (FDCPA).
The company operates under several divisions that specialize in early-stage debt recovery, skip tracing, and administrative wage garnishment management.
How Coast Professional Collection Agency Calls
Like many collection agencies, Coast Professional Collection Agency Calls c receives delinquent accounts from lenders, schools, and government agencies. Once an account is assigned, Coast contacts borrowers by phone, letter, and sometimes email to discuss repayment or settlement options.
However, federal law limits what these collectors can say and how they can communicate. They are not allowed to threaten consumers, use abusive language, or disclose private financial information to third parties. Despite this, many consumers have reported repeated calls, aggressive tone, and confusing instructions that often make them question whether Coast Professional Collection Agency is operating ethically.
Collectors typically work under commission-based structures, which can incentivize high-pressure tactics. But harassment is illegal — and consumers are protected under the FDCPA, even if the debt is valid.
Common Consumer Complaints
While Coast Professional Collection Agency presents itself as a reputable firm, numerous consumers have filed complaints with the Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB).
Some of the most frequent complaints include:
- 👉 Repeated phone calls, even after a written request to stop
- 👉 Attempts to collect debts already paid or discharged in bankruptcy
- 👉 Refusal to validate the debt in writing
- 👉 Aggressive or intimidating language
- 👉 Reporting incorrect information to credit bureaus
In several reports, borrowers mentioned being contacted about student loans they no longer owed or being denied documentation verifying the debt. These issues often lead to unnecessary stress and credit score damage.
It’s important to note that even if the company is contacting you about a legitimate debt, they must still treat you with respect and provide proof upon request.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is the federal law that governs how debt collectors can behave. It prohibits deceptive, abusive, or unfair practices when collecting debts.
If you’re dealing with Coast Professional Collection Agency, remember these essential protections:
- ➡️ No harassment: They cannot threaten, swear, or use intimidation tactics.
- ➡️ Limited contact: Calls are only allowed between 8 a.m. and 9 p.m. in your local time zone.
- ➡️ No workplace calls: Once you inform them your employer prohibits such calls, they must stop.
- ➡️ Debt validation: Within five days of initial contact, the collector must send you written notice of the debt, including the original creditor and amount owed.
- ➡️ Cease and desist rights: You can request in writing that they stop contacting you altogether.
Violations of these rules can lead to statutory damages up to 💸 $1,000, compensation for emotional distress, and coverage of your attorney’s fees.
Coast Professional Inc Class Action Lawsuit
Over the years, several borrowers have filed lawsuits and complaints alleging that Coast Professional Inc violated consumer protection laws. Some of these cases have escalated to class actions, where multiple plaintiffs collectively sue the company for similar conduct.
The allegations typically include:
- ✅ Illegal communication practices (robocalls, harassment, or threats)
- ✅ Inaccurate reporting of debts to credit bureaus
- ✅ Failure to provide proper debt verification
- ✅ Collecting debts beyond the statute of limitations
If you receive multiple daily calls or find inaccurate entries on your credit report linked to the agency
, you may qualify to join or file a similar case. Contacting a consumer protection attorney is often the first step to exploring your options.
Class actions are not only about compensation — they also help ensure that collection agencies reform their internal practices to prevent future abuse.
Is Coast Professional Inc Legit?
One of the most common questions from consumers is whether Coast Professional Collection Agency is a legitimate organization. The answer is yes — it is a licensed and registered debt collection agency. It holds accreditation with the Better Business Bureau (BBB) and has operated for decades under federal contracts, particularly with the U.S. Department of Education.
However, legitimacy does not exempt a company from compliance with the law. Even legitimate collectors can — and sometimes do — violate consumer rights.
If you’re unsure whether the calls you’re receiving are truly from the agency
, verify directly using their official contact details:
- 📌 Headquarters: 4273 Volunteer Road, Geneseo, NY 14454
- 📞 Phone: 800-231-0225
- 🌐 Website: www.coastprofessional.com
Never share personal information or payment details with anyone unless you’re certain the contact is authentic.
How to Stop Harassment from Debt Collectors
If you believe The company is harassing you, there are immediate actions you can take:
- ✔️ Keep a call log: Record every instance of contact, noting the date, time, and nature of the call.
- ✔️ Request debt validation: Ask for written proof of the debt within five days of their initial communication.
- ✔️ Send a cease and desist letter: This legally requires them to stop contacting you.
- ✔️ File complaints: Contact the CFPB, BBB, or your state attorney general’s office.
- ✔️ Seek legal assistance: Consumer protection lawyers specialize in handling FDCPA violations and can help you recover damages.
Remember: you have every right to be treated fairly and respectfully — even if you owe the debt.
How Consumer Protection Lawyers Can Help
Consumer protection lawyers play an essential role in protecting your rights against unlawful debt collection. If the agency has crossed the line, an experienced attorney can:
- ➥ File formal complaints and lawsuits on your behalf
- ➥ Help you recover damages for emotional distress or illegal practices
- ➥ Negotiate settlements or payment plans directly with the collector
- ➥ Stop all communication through a legal cease-and-desist
- ➥ Review whether your case qualifies for a class action
Most importantly, you don’t pay upfront. Under the FDCPA, if your rights are violated, the collection agency is responsible for your legal fees — not you.
If you are currently being harassed by debt collectors, you can contact Sanders Law Group for a free consultation at 📞 (800) 979-3707 or email info@sanderslaw.group. The firm specializes in FDCPA and FCRA violations and has helped thousands of consumers stop illegal debt collection activities.
Coast Professional Collection Agency and Student Loans
Because Coast Professional Collection Agency works extensively with federal student loan collections, many borrowers encounter them when their loans go into default. Defaulting on a federal student loan can lead to serious consequences, including:
- ➤ Wage garnishment without a court order
- ➤ Tax refund offsets
- ➤ Damage to your credit report
If you’ve received communication from the company about a defaulted student loan, act quickly. You may be eligible for programs like loan rehabilitation or consolidation, which can restore your loan to good standing. Always verify your loan’s status at studentaid.gov before agreeing to any repayment arrangement.
Consumer Experiences and Case Examples
Across various online platforms, consumers have shared their experiences dealing with the agency. Some report professional and polite interactions, while others describe repeated calls and misinformation about balances.
Example 1:
A borrower reported that Coast Professional Collection Agency continued calling multiple times per day even after she had enrolled in a rehabilitation plan. After filing a complaint, the harassment stopped, and she received an apology letter.
Example 2:
Another consumer said Coast Professional Collection Agency contacted his employer about his debt — a direct violation of FDCPA rules. Legal counsel helped him recover statutory damages and remove the account from his credit report.
These examples show that legal enforcement works. Consumers have real power when they understand their rights.
Filing a Complaint Against Coast Professional Inc
If you feel you’ve been treated unfairly or harassed, here’s how to report the agency:
- 👉 Consumer Financial Protection Bureau (CFPB) — www.consumerfinance.gov
- 👉 Federal Trade Commission (FTC) — www.ftc.gov
- 👉 Better Business Bureau (BBB) — www.bbb.org
- 👉 Your State Attorney General’s Office — file directly through your state’s website.
Providing detailed documentation — including call logs, letters, or voicemails — strengthens your complaint and helps regulators take action.
Coast Professional Collection Agency Class Action and Industry Accountability
Class actions against debt collectors like Coast Professional Inc serve as an important check on abusive practices. They push companies to review compliance systems and train employees more thoroughly.
While not every consumer will join a lawsuit, filing individual complaints still contributes to broader oversight. The more evidence regulators gather, the stronger their case against unethical collectors.
Transparency in the debt collection industry is improving, but progress depends on consumers continuing to speak up.
Conclusion
Debt collection can feel overwhelming — especially when dealing with large agencies such as Coast Professional Collection Agency. Whether they’re contacting you over student loans, government debt, or another account, remember that you have rights.
This debt collector must follow federal laws like the FDCPA and FCRA. If they harass, mislead, or intimidate you, you can fight back. You’re entitled to fair treatment, accurate information, and, when necessary, compensation for violations.
Don’t let fear or confusion stop you from taking action. Keep records, know your rights, and reach out for legal support. If you’ve experienced harassment, contact Sanders Law Group at (800) 979-3707 for immediate assistance. They’ll help you stop the calls, repair your credit, and regain control of your financial life — at no cost to you.
