Who Is Professional Finance? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Professional Finance
- Address to send a debt validation letter
- Professional Finance Company, Inc. 5754 West 11th Street, Suite 100 Greeley, CO 80634
- Phone
- 1-800-864-4391
- Official website
- https://www.pfcusa.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Professional Finance Company (PFC) is a Colorado-based collector that primarily pursues medical debt on behalf of hospitals and healthcare providers nationwide. If PFC is contacting you about a medical bill, put them on notice with a validation request in writing, and check whether your insurance or a hospital financial assistance policy should have covered some or all of the balance first.
Has Professional Finance Company been the subject of legal action?
Yes. PFC agreed to pay $2.5 million to resolve a class action lawsuit stemming from a February 2022 data breach that exposed consumers’ personal and financial information. The settlement, reached in January 2025, compensates people whose data PFC held in connection with the medical and other debts it was collecting. If you received a notice that your information was exposed in the PFC breach — or if PFC is now pursuing a debt and you’re concerned your data was compromised — see credit report dispute if the breach has led to accounts or inquiries on your credit file that you don’t recognize.
Questions & Answers
Is Professional Finance a legitimate debt collector?
Professional Finance shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Professional Finance from calling me?
Under the FDCPA, you can send Professional Finance a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Professional Finance?
Send a written debt validation request to Professional Finance's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Professional Finance on my credit report?
If Professional Finance is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team