Who Called From 970-352-5000?
Short answer: 970-352-5000 is a number used by Professional Finance Company (PFC), a medical debt collector based in Greeley, CO — main line (greeley, co hq). They are almost certainly trying to collect a debt, most often hospital bills. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 970-352-5000?
The number 970-352-5000 is used by Professional Finance Company (main line (greeley, co hq)), a medical debt collector in Greeley, CO. For the full company profile — ownership, history, and known aliases — see our complete Professional Finance Company guide. This page focuses on the calls coming from 970-352-5000 specifically.
About this specific number
- 📞 Number: 970-352-5000 (area code 970, ending in 5000)
- 📍 Line type: Direct-dial — resolves to the 970 area code.
- 🏢 Operator: Professional Finance Company, a medical debt collector in Greeley, CO.
- 🔢 Related lines: Professional Finance Company is documented using 2 numbers in our directory, so calls may also come from other digits.
970-352-5000 is a direct-dial number tied to the 970 area code, which is why the call may have appeared "local" on your caller ID even though Professional Finance Company operates out of Greeley, CO.
Some carriers display 970-352-5000 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Professional Finance Company.
On your caller ID, in voicemails, or in letters, this company can also appear as: PFC, Professional Finance Company Inc, Pro Finance.
Why Is PFC Calling Me From 970-352-5000?
In our directory, 970-352-5000 is tracked as a main line (greeley, co hq) for Professional Finance Company, which typically collects hospital bills, medical debt, healthcare accounts. A call from 970-352-5000 usually happens because:
- ✅ An original account (a hospital bills, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Professional Finance Company to collect on behalf of the original creditor.
- ✅ Professional Finance Company is now dialing you from 970-352-5000 and possibly other lines to reach a resolution.
Calls from 970-352-5000 often come right after a billing cycle closes. Some people report that 970-352-5000 calls once and hangs up, then tries again from a different Professional Finance Company line hours later. A single missed call is not proof of a valid debt. When 970-352-5000 shows up on your caller ID, it is worth checking whether the Professional Finance Company account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Professional Finance Company prove the hospital bills in writing first.
Important: a phone call — even from a real number like 970-352-5000 — does not prove you owe the debt, that the amount is correct, or that Professional Finance Company can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 970-352-5000
Anything you say to PFC can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 970-352-5000 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Professional Finance Company.
Don't agree to a payment on the spot
A single payment to Professional Finance Company — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 970-352-5000.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 970-352-5000. Any legitimate Professional Finance Company resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 970-352-5000 caller. If it truly is your Professional Finance Company account, they should already have what they need and must prove it.
What To Do If 970-352-5000 Keeps Calling
Here are concrete next steps for this specific Professional Finance Company line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 970-352-5000 as a contact labeled "Professional Finance Company — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 970-352-5000 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Professional Finance Company identify the original creditor behind the 970-352-5000 calls and the date the debt was opened.
Your Rights When PFC Calls From 970-352-5000
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send PFC a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Professional Finance Company reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 970-352-5000: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Professional Finance Company stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, PFC generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars PFC from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 970-352-5000
We investigate the specific Professional Finance Company account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the PFC account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Professional Finance Company. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
970-352-5000 — Frequently Asked Questions
Who is calling me from 970-352-5000?
970-352-5000 is a direct-dial line associated with Professional Finance Company (also seen as PFC), a medical debt collector headquartered in Greeley, CO and operating since 1904. The number resolves to the 970 area code. If you received a call from 970-352-5000 — often showing the last four digits 5000 on your screen — it is very likely Professional Finance Company attempting to reach you about a debt they say you owe, most often hospital bills, medical debt, healthcare accounts.
Is 970-352-5000 a scam number?
Professional Finance Company is a real, registered company, and 970-352-5000 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like PFC, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 970-352-5000?
You are not legally required to answer 970-352-5000 or call Professional Finance Company back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Professional Finance Company must pause collection until it mails you proof of the debt.
Why is Professional Finance Company calling me about hospital bills?
A call from 970-352-5000 usually means an original hospital bills went unpaid and was placed with Professional Finance Company, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Professional Finance Company from calling 970-352-5000?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Professional Finance Company to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 970-352-5000 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Professional Finance Company is calling about?
Do not pay anything based on a call from 970-352-5000 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Professional Finance Company
Other phone numbers used by Professional Finance Company:
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