Is ProCollect Legit? How to Settle Your Debt

George Simons | January 24, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Yes, ProCollect is a legit debt collection agency. If you’ve been sued by ProCollect, you can settle your debt. Tools like SoloSettle can streamline the process by offering 30%-50% of the original amount, ensuring the settlement is documented in writing, and assisting with the settlement payment.

While dealing with accounts in collections can be scary, it is not that complicated if you know what to do. Solo is here to help. We endeavor to help you understand your legal rights and different pathways for resolving your debt issue.

We educate everyday consumers about their rights and help them effectively engage with debt collectors.

This article will teach all you need to know to proactively engage with Procollect. For example, you could establish a line of communication with ProCollect and try to negotiate an amicable settlement. Let us start with some frequently asked questions.

Settle debt with ProCollect

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is ProCollect?

Procollect, also known as ProCollect and ProCollect, Inc, is a debt collection agency. The company is also a call center that assists other companies who need help with customer service and other Accounts Receivable (A/R) Management services.

If you need to reach someone at this company, here is the ProCollect phone number and other contact information:

  • Phone: 800-839-8186 or 214-341-7788
  • Email: infotocollector@procollect.com
  • Address: 12170 Abrams Rd #100, Dallas, TX 75243
  • Website: https://procollect.com/

Who does ProCollect collect for?

ProCollect collects for many companies across several industries. To be more specific, ProCollect collects for multifamily and student housing as a main focus of the company.

Read ProCollect reviews online

If you want to find out what consumers have said about their experience with ProCollect and whether it is possible to negotiate a debt collection settlement, then take a moment to read these reviews:

The online reviews for ProCollect are a mixed bag. Some good, some not so great. For example, there are some consumer reviews showing that consumers can have a good experience communicating with ProCollect collectors to try and resolve their debt collection matter. Here is a real example from a borrower named Greg:

“False Collections report sent to Procollect for a company I've never worked with and they even had the wrong last name. One phone call and an email was all it took to get it sorted out. Very professional and polite. Each person I talked to was kind and quickly moved me up the chain when they knew they couldn't help with my case.”

Greg’s review supports the claim that ProCollect debt collectors are willing to work with you to address your concerns and get your debt issue resolved in a way that works for you based on your particular financial situation. Always remember that proactive and productive communication is the key.

If engaging in settlement talks with a debt collector doesn’t sound enjoyable, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

How to engage with ProCollect debt collectors

From the moment you are late on an account, you should expect that someone will reach out to you. How can you deal with those calls?

Know your rights

Many federal laws govern debt collectors. One of those is the Fair Debt Collection Practices Act (FDCPA).

Any individual calling you to collect a debt must adhere to those guidelines. Hence, a debt collector may not:

  • Pretend to be calling you from the IRS, FBI, or any other government agency.
  • Embarrass you into paying by publicizing your debt.
  • Threaten to arrest you.
  • Harass you by calling early or late in the day or too often.
  • Threaten to harm you or your family in any way.
  • Ask you for personal information such as your Social Security number.

If ProCollect violates any of these regulations, you can report them to the FTC or CFPB.

Send ProCollect a debt validation letter

Debt validation letters save consumers from fraudulent debt collectors. It is the best way to respond when ProCollect first contacts you.

By sending ProCollect the letter, you get the opportunity to verify that the debt is yours. It also reports that you dispute the debt until ProCollect confirms every detail.

Check out this video to learn more about how a Debt Validation Letter can help you beat ProCollect debt collectors:

Dispute wrongful reporting on your credit report

You can keep up with your credit report by regularly checking the three major credit reporting bureaus.

You should get one free report from each bureau every year. The moment you notice an entry from ProCollect you do not recognize, dispute it immediately.

To dispute, send a letter to the bureau that reported the error and ProCollect.

Here is how to write a credit report dispute letter.

Respond to a debt lawsuit against ProCollect

If ProCollect sues you, you can still fight back. Even if you know the debt is not yours, filing your answer in court is crucial. You should also make a copy to send to ProCollect's attorney.

Solo has simplified the process. Instead of fancy law jargon, our software use familiar words to guide you as you respond to the Complaints.

Remember that the deadline is within 14-35 days. Upon receiving the Summons,

  1. Respond to each of ProCollect's claims.
  2. Assert your affirmative defenses.
  3. File with the court and send a copy to ProCollect's lawyer.

We made a video to explain these three simple steps to respond to a debt collection lawsuit. Check it out:

Settle debt with ProCollect

Even after a lawsuit starts, you can offer to settle for less with ProCollect. Just use SoloSettle to make your offer. You should file the Answer first, even if you plan to settle. Here are three steps to consider if you want to settle a debt:

Step 1: Assess how much you can reasonably pay

Before commencing settlement negotiations, determine how much you can actually afford to pay in a lump sum. Your calculation should take into consideration your other living expenses. If you don’t have sufficient funds to make a lump sum payment, try to calculate what you could pay in installments.

Step 2: Negotiate with ProCollect

Once you’ve figured out how much you can repay, the next step is to try and negotiate a settlement. Start by offering a lower percentage of the total debt, typically 30% to 50% of the original amount, and be prepared to negotiate upward. If possible, offer a lump sum payment as creditors are more likely to accept a lower amount if they receive an immediate payment.

Step 3: Get the agreement in writing

Before making a payment toward the debt, ensure you receive a written agreement outlining the terms of the settlement. This is known as a debt settlement agreement. The agreement should clearly state that the payment will settle the debt in full and that they will not pursue any further legal action or collections. Additionally, you should request confirmation that the debt collector will report the debt as "settled" or "paid" to credit reporting agencies. Once you have this in writing, proceed with the payment as agreed.

If you decide to engage in settlement talks, consider using smart tools to help you with the debt settlement negotiation process, like SoloSettle, which is a software that sends and receives settlement offers for you until you come to an agreement with the collector or creditor. Innovative tools such as SoloSettle can make it much easier to fly solo in the debt settlement process, which can help you both save money and resolve your debts more efficiently than litigation.

To learn more about these debt settlement negotiation steps, watch our video guide below:

Let’s look at an example.

Example: After properly filing his Answer, Bob decided to settle. He used SoloSettle because he found it simple and the steps easy. When the debt collector received his request, they accepted the offer. Bob paid only 45% of what he owed. The lawsuit vanished, and the calls stopped. Bob feels very relieved that he gave settling a try.


Make an offer to settle for less with SoloSettle.

Whatever your concern about debt collectors, Solo can help you through it all.

Settle with SoloSettle

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How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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