The debt collection practices of PFS are abhorrent. My so called representative, Mr. Skapp, threatened litigation on behalf of Wells Fargo (who I owed in the first place), insisted that I was not capable of paying my debts after telling me what he was able to access, informed me that he will call any reference necessary to get in touch with me (which he did), constantly put words in my mouth OR twisted anything I said around to make me sound like an imbecile. Mr. Skapp is the one looking like an imbecile in my book. He's heartless. He's either an ex-con or was the short kid in class who had to become a bully to scare others into ""liking"" him. I'd love to run a credit report on Mr. Skapp and see if indeed all his bills are paid in a timely manner and heaven forbid, he actually has a debt. The last straw for me regarding PFS and the notorious Mr. Skapp was him laughing hysterically, calling me ""Unbelievable!"" and accusing me of basing my ability to pay off this debt on someone's ""demise"" or ""life insurance"". Perfect example of him putting words into my mouth. Hatefulness is beyond my scope of comprehension.What a surprise that he failed to mention the call was being recorded. Still havent' decided what I'd like to do about that. One would think, if you had the proper experience as a debt collector, that you'd be able to determine who are the down on their luck, bill paying citizens from the flakes.
Cons: Rude staff, extreme scare tactics