Professional Debt Mediation or PDM, was founded in 1998 and is headquartered in Jacksonville, Florida. They function in the multi-family housing industry collecting on past due rent, in addition to the financial, medical, service, telecom, education, and government industries.
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According to the Better Business Bureau (BBB), Professional Debt Mediation is a legitimate collection agency. This debt collector uses dead record pulls, credit reporting, and account monitoring tactics to collect from customers, in addition to high-tech skip tracing techniques and federal database searches. Like many companies in the business, PDM works on a contingency basis, so that they do not get paid unless they collect.
As of April 2017, the Better Business Bureau reported 77 closed Professional Debt Mediation complaints over the previous few decades, including 31 closed Professional Debt Mediation complaints over the past 12 months. The BBB provides Professional Debt Mediation an F rating. Additionally, Justia lists five PDM complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 64 closed Professional Debt Mediation complaints for 2016.
Professional Debt Mediation Inc
7948 Baymeadows Way
Jacksonville, FL 32256
Phone Number: 904-398-0080
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely PDM would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here is a Sample Case Filed in Federal Court
In 2017, a judge in U.S. District Court, Northern District of Alabama, denied in part and granted in part Professional Debt Mediation’s motion for judgment on the pleadings in Smith v. Professional Debt Mediation for alleged violations of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and Alabama state law. According to the judge’s decision, the customer had agreed to settle a debt with Expert Debt Mediation and the collection agency agreed to ask that the adverse items be deleted from the customer’s credit report. The customer paid, but the credit report items stayed on his Experian report. The customer alleged that PDM continued to report that the adverse information, which PDM refused to acknowledge that the settled amount ought to be deleted. Additionally, the consumer alleged that the debt collection agency continued to try to collect the debt after reaching a settlement agreement, and failed to review and explore his disputes. Professional Debt Mediation contended that the FCRA superseded Alabama state law, and the judge agreed. Additionally, the collection agency attempted to the get the court to agree that, if it deposited $15,000 with the court, that would settle the consumer’s claims and make the case moot. The judge would not let them do that, stating that the customer sought greater than $75,000 and that Professional Debt Mediation’s offer could not manage the customer complete relief.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
What Our Clients are Saying
“Thank you for your help in bringing this case to an amicable close. The last time I needed to have a lawyer for a civil issue, it wasn’t a pleasant experience, so I enjoyed you! I will certainly refer your name if I be requested.”
“Thank you so much! With your help the nagging collection calls have finally ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with what I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. They always had great communication. I highly recommend them to anyone seeking customer legal services.”
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