PlusFour, Inc. is a Nevada collection agency that collects past-due accounts for other businesses. A call or letter from it usually means a creditor has placed an unpaid bill with it.
- Type
- Collection agency
- Also known as
- Plusfour, Inc.
- Headquarters
- Henderson, NV
99 debt collection complaints were sent to the Consumer Financial Protection Bureau about PlusFour, Inc from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is PlusFour, Inc.?
PlusFour, Inc. is a collection agency based in southern Nevada. Its Better Business Bureau business profile lists a headquarters at 2600 Paseo Verde Parkway, Suite 101, in Henderson, Nevada, and a second location at 6345 South Pecos Road in Las Vegas. The same profile says the business started in July 1984, was incorporated in August 1997, and is run by Richard Bennett as president. The BBB lists the company in its collections-agencies category.
We were not able to load the company's own website when we prepared this profile, so we have not listed phone numbers here. Use the phone number and mailing address printed on the letter you received, and compare them with what you can find independently before you pay anyone.
Why PlusFour May Be Contacting You
A collection agency like PlusFour works for a creditor that has given it a past-due account. We could not confirm from a primary source which industries PlusFour serves, so look at the letter itself: it should name the creditor you originally dealt with, the creditor that now owns the account, and the balance claimed. If the creditor's name is unfamiliar, it may be a billing name for a clinic, a service provider or a company that bought the account.
PlusFour appears in the CFPB's public complaint database about 100 times for debt-collection complaints filed from November 2023 through November 2026. A complaint is a consumer's account of a problem and is not a finding that the company did anything wrong.
How to Check a Debt PlusFour Says You Owe
With an agency whose client list is not public, the first job is figuring out what the bill is for.
- Find the validation notice. Within five days of first contacting you, a collector must send the information required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34, including an itemization showing interest, fees, payments and credits since a reference date.
- Send a written dispute if anything is off. Mail it (keep proof) before the deadline on the notice. Once you dispute in time, the agency must pause collection until it sends verification.
- Match it to your own records. Pull up old statements, receipts, or insurance explanations of benefits. Bills that were paid, refunded, or should have gone to insurance turn up in collections more often than people expect.
- Ask who owns the account today. If it has been sold, you're entitled to know the current creditor's name.
- Watch the age of the debt. Texas allows four years to sue on most debts (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a consumer debt once that time has run (Tex. Fin. Code § 392.307). Limitation periods differ in other states.
Our page on disputing a debt with a collector walks through the letter.
What PlusFour Can and Can't Do
A company that collects debts owed to others is a "debt collector" under the FDCPA, 15 U.S.C. § 1692a(6). For PlusFour, that means:
- No more than seven calls in seven days about one account before harassment is presumed, and no call within seven days after a phone conversation about it (12 C.F.R. § 1006.14(b)(2)).
- No calls at a time or place it knows is inconvenient, or at work if it knows your employer doesn't allow it (15 U.S.C. § 1692c(a)).
- No adding fees or interest the original agreement or the law doesn't allow (15 U.S.C. § 1692f(1)).
- No reporting a debt to a credit bureau before it has contacted you about it (12 C.F.R. § 1006.30(a)).
- You can tell it in writing to stop contacting you (15 U.S.C. § 1692c(c)). The debt doesn't go away, but the calls must stop except for limited notices.
We did not find a CFPB enforcement action against PlusFour, Inc. If you think its collection efforts crossed a line, see our FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If PlusFour, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- BBB business profile: Plusfour, Inc. (facts only)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: PlusFour, Inc, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that PlusFour, Inc. has violated any law. Company details change; tell us if something here is out of date.