Professional Credit Service is the trade name of Ray Klein, Inc., a collection agency based in Springfield, Oregon, with roots going back to 1933. It collects patient balances for healthcare organizations and public-sector debts for cities, counties, courts and utilities.
- Type
- Collection agency
- Also known as
- Ray Klein, Inc.; Ray Klein, Inc. dba Professional Credit Service; Professional Credit
- Headquarters
- Springfield, OR
- Collects
- hospital and medical bills, government and court debts, utility bills
- Website
- professionalcredit.com
223 debt collection complaints were sent to the Consumer Financial Protection Bureau about Ray Klein, 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 Professional Credit Service?
Professional Credit Service is a registered trade name of Ray Klein, Inc., according to the company's own privacy policy, which also lists its address as 400 International Way, Springfield, Oregon, and its California collection agency license as No. 10338-99. The company says it began as a collection agency in Eugene, Oregon, in 1933. Today it has a primary operations center in Springfield, a second operations center in West Chester, Pennsylvania, more than 300 employees and a remote workforce across the U.S. Its website lists NMLS identifier 1135875 and a Nevada collection agency license (CAD11679). The CFPB complaint database lists the company under its legal name, Ray Klein, Inc.
Why Professional Credit Service May Be Contacting You
Professional says it works with more than 950 partners. Its two main markets are:
- Healthcare. Hospitals, health systems and physician groups that place patient balances after the patient's share is billed.
- Government. Cities, counties, state agencies, EMS providers, utilities and courts. These accounts can include ambulance bills, utility balances and court-ordered amounts.
It also lists financial institutions and businesses among its clients. If the company's name means nothing to you, look for a hospital, ambulance service, utility or court name on the letter.
How to Check a Debt Professional Credit Service Says You Owe
- Identify the agency or provider. The validation notice must name the creditor and itemize what is claimed (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- For an ambulance or hospital bill, ask for an itemized statement and check whether insurance, Medicare or Medicaid was billed. Texas generally requires an itemized bill before a provider collects; see our S.B. 490 update.
- For a court or government amount, confirm the balance with the clerk or agency directly. Payments made to the court may not have been credited yet.
- Dispute in writing in time. A written dispute within the validation period makes the agency pause and verify.
- Check the age of consumer accounts. In Texas, suits on most consumer debts must be brought within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different periods, and some government debts follow separate rules.
What Professional Credit Service Can and Can't Do
Ray Klein, Inc. regularly collects debts owed to others, which makes it a "debt collector" under 15 U.S.C. § 1692a(6) when it collects consumer debts such as medical and utility bills. (Whether a particular court fine counts as a consumer "debt" can be a separate question.) Concretely:
- It may not suggest you will be arrested for an unpaid medical or utility bill.
- The major credit bureaus have said they do not include paid medical collections or medical collections under $500 on credit reports; see our update.
- It must respect the seven-calls-in-seven-days presumption (12 C.F.R. § 1006.14(b)(2)).
- It may not contact third parties about the debt except within narrow limits.
We did not find a CFPB enforcement action against Professional Credit Service or Ray Klein, Inc. For more on your options, see our Texas 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 Professional Credit Service 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
- Professional Credit: company page
- Professional Credit: privacy policy (identifies Ray Klein, Inc.)
- Professional Credit: home page (license disclosures)
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Ray Klein, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Professional Credit Service has violated any law. Company details change; tell us if something here is out of date.