Who is Professional Debt Mediation?
Professional Debt Mediation, Inc. (PDM) is a debt collection agency located in Jacksonville, Florida. Their role is to recover outstanding debts on behalf of their clients.
If you see PDM listed on your credit report, it indicates that they have a collections account for you, which typically means you have an unsettled bill or debt.
Who does Professional Debt Mediation collect for?
While Professional Debt Mediation provides its collection services to several industries including education, financial, local services, and telecom sectors, it has a primary focus on the multifamily property industry. This means they often deal with unpaid rent, unfulfilled lease contracts, and other related property debts.
Is Professional Debt Mediation legit or a scam?
Professional Debt Mediation is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Professional Debt Mediation from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Professional Debt Mediation, Inc. Contact Information
Address:
Professional Debt Mediation, Inc.
8657 Baypine Rd Ste 201
Jacksonville, FL 32256
Phone number: (904) 398-0080 or (888) 676-9873
Should I contact or pay Professional Debt Mediation?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Professional Debt Mediation is to work with a credit repair professional. They help remove millions of negative items every year from companies like Professional Debt Mediation on behalf of their clients.
Will Professional Debt Mediation sue me or garnish my wages?
Professional Debt Mediation, Inc. (PDM), like any other debt collection agency, has the ability to sue you for unpaid debt. If they decide to go down this route and a court rules in their favor, they might have the right to garnish your wages or levy your bank accounts, depending on the laws of your state.
However, it’s crucial to note that legal action is typically seen as a last resort for debt collectors. The process can be complex, time-consuming, and costly.
Professional Debt Mediation Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Professional Debt Mediation, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Professional Debt Mediation, Inc. to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Professional Debt Mediation cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Professional Debt Mediation must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Professional Debt Mediation cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Professional Debt Mediation From Your Credit Report Today!
Credit Saint offers assistance with disputing Professional Debt Mediation collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
