Protocol Recovery Service is based in Panama City, Florida and has a satellite in Atlanta, Georgia and a soon-to-be closed satellite in Pensacola, Florida. Outwardly, it's a good little agency. The office was small and ramshackle, the management staff consisted of two people. The Administration, Human Resources, Payroll, and Reception departments were all the responsibility of one woman.
On the surface, a good little agency. Some adherence to the fdcpa but not as much as there should be, and not as much as at CCA. It's third party collecting retail accounts, bank cards, Discover, Rehabilicare, and the dreaded payday loans.
After just a few weeks it became hell. The stupid preset goal goes up every month whether you're ready for it or not, and those who aren't reaching it become recipients of heckling, harassment, and ridicule from management. There was no "establishing trust and building rapport" it was always "make the demand and shut up"
I'm a good person, my collections experience was born in a strict FDCPA environment which was also positive and professional, and the focus was on helping the borrowers. At Protocol, the focus was on serving the client. I was told several times that my open-minded "student loan" aproach to the borrowers of payday loans was "corny".
Long story short (I'm sure you all know what happened) I don't work there anymore. I just couldn't take it anymore, not to mention that Protocol Pensacola is no more after March 24, ha-ha!
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.