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Professional Medical Management, Inc.(PMM) is a third-party Accounts Receivable Management company specializing in medical billing and collections. PMM has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including misrepresentation and failure to verify debts. If you have been contacted by PMM, make sure you understand your rights before responding.
According to the Better Business Bureau (BBB), PMM was founded and incorporated in 2001. The BBB established PMM’s profile page in 2002. PMM is listed as a medical business administration corporation.
According to its website, PMM “offers services and resources specifically designed to assist providers and their staff to be more automated, efficient and productive.” PMM cites as its strengths over 20 years of experience in medical billing, a passion for exceeding expectations, and a goal of providing a superior customer experience and tremendous value for customers.
PMM’s primary service is medical billing and coding. This division employs experienced medical billing professionals, including “refund specialists, payment posters[,] and patient account specialists.” Their medical billing and coding staff offer the following services to healthcare providers: demographic and charge entry using HL-7 interfaces; electronic claim submission; payment posting; accounts receivable management; denied claims processing; and patient billing, medical coding, and refunds. In addition, they offer third-party collections for delinquent healthcare bills. PMM also provides off-site IT services for hospitals and other healthcare providers. Their IT services offer state-of-the-art technology in modern, secure facilities.
Their website does not provide any detailed information about their business practices, compliance policies, or employee training. There are no links or references to consumer protection laws, resources, or enforcement agencies.
The BBB has received only 1 complaint against PMM. In September 2016, a complainant indicated a problem with their product or service. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has received 20 complaints about PMM. Justia lists at least 1 case of civil litigation naming PMM as a defendant.
Absolutely. Here are some Sample Cases against Professional Medical Management, Inc.
In September 2016, a judge issued an Opinion in a case alleging PMM had violated the Fair Debt Collection Practices Act (FDCPA). In this case, the plaintiff’s husband incurred a debt for medical treatment, and the unpaid bill was eventually sent to PMM for collection. PMM sent the plaintiff’s husband a collection notice, and the wording in the collection notice is the subject of the case. The collection provided the recipient with the notice required by the FDCPA that, “unless, within 30 days after receipt of this notice, you dispute the validity of the debt or any portion thereof, we will assume the debt to be valid”; and that, “if, within 30 days after your receipt of this notice, you notify us in writing that the debt or any portion thereof is disputed, we will obtain a verification of the debt or, if the debt is founded upon a judgment, a copy of any such judgment, and we will mail to you a copy of such verification or judgment.” However, the plaintiff in this case complained that the language that preceded this notification violated the FDCPA prohibition against using “false, deceptive, and misleading” tactics by stating, “To avoid further contact from this office regarding your past due account, please send the balance due to our office and include the top portion of this letter with your payment.” The plaintiff argued that this statement implied that the only way to have PMM cease collection efforts is to pay the amount stated in the collection notice, and that this request “overshadowed” the plaintiff’s right to dispute the debt, which was stated in a different part of the letter.
In reaching a decision, the court cited other cases in which collection notices were similarly organized—a demand for payment followed by a statement of the consumer’s right to dispute the debt. In this case, the court cited a decision in a previous case that cited an identical letter and found that the language was not misleading. The court noted that the previous case had not been precedent-setting. Furthermore, it indicated that in similar cases in which potentially confusing language was cited as a violation, the language demanding payment in those cases had been more aggressively and more deceptively worded. Although the court acknowledged the potential for abuse of the FDCPA in the current case, they issued an Opinion that agreed with the decision in the earlier case that cited identical language.
Professional Medical Management, Inc.
4200 University Ave., Suite 104
West Des Moines, IA 50266
Telephone: (515) 226-2122
Understanding your Debt Collection Rights
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a 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 recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, a 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.
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