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Progressive Management Systems or PMS is a third-party collection agency based in Southern California. PMS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as misrepresentation and attempting to collect debts not owed. If you have been contacted by PMS, make sure you understand your rights before responding.
According to the Better Business Bureau (BBB), Progressive Management Systems is a legitimaye collection agency founded and incorporated in 1978. PMS is listed as a collection agency and uses the alternate business name, R.M. Galacia, Inc. Buzzfile estimates PMS’ annual revenue at $19.5 million and the size of its staff at 125 people.
According to its website, Progressive Management Systems “is a bilingual, employee owned company… striving to be the most professional collection agency in the nation… [by providing] remarkable service, receivable solutions, and education with integrity and character.” PMS has locations in West Covina, CA and Las Vegas, NV.
PMS’ collection services are organized into three divisions: first-party collections, third-party collections, and insurance follow-up. The first-party collection division offers accounts receivable management services using the business name of the original creditor, thereby offering “transparency to your customers…[and] an efficient way…to deal with staffing shortages, hiring freezes, and the array of other challenges businesses face today.” PMS’ insurance follow-up division works “as part of [the client] organization…for whatever purpose [they] need,” including billing, follow-up, and appeals.
PMS’ third-party collections division employs “professional bilingual staff to utilize [their] dynamic collection science to resolve” delinquencies. PMS works “under the assumption that every contact with the customer may be the last contact opportunity, creating a greater sense of urgency.”
Progressive Management Systems does not offer any information about its compliance policies. There are no references or links to consumer protection laws, resources, or agencies. Their payment portal is administered by a third party. Their Consumer Complaints page is not currently in operation.
As of October 2017, the BBB has given Progressive Management Systems a rating of NR (No Rating). In the previous three years, the BBB has closed 16 complaints against PMS, with 3 closed in the past 12 months. Most of the complaints allege problems with billing and collection. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has received 27 complaints against PMS. Justia lists at least 1 case of civil litigation naming either PMS or R.M. Galacia as a defendant.
Progressive Management Systems
1521 West Cameron Avenue, First Floor
West Covina, CA 91790
Telephone: (800) 258-7482
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely PMS 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!
Absolutely. Here are some Sample Cases against Progressive Management Systems
Complaints against Progressive Management Systems show a tendency toward problems with the accuracy of information reported to credit reporting agencies, and non-responsiveness. In November 2014, a complainant indicated he had received a letter about a collection item he had already paid. His credit report still showed the time as delinquent, so he contacted PMS and asked them to correct the information. The PMS representative said they had reported it several months earlier and that there was nothing they could do to help him. He explained that other items on his credit report that had been paid show as paid and closed, but the item that was sent to PMS still appeared as a delinquency. The PMS representative stated that they cannot control the way the reporting agency reports the items.
Similarly, in June 2016 a complainant indicated seven different derogatory items had been listed on her credit report as a result of multiple hospital visits for her son’s chronic illness. She alleged that PMS representatives had made harassing phone calls to her and threatened to garnish her wages, answering her objections by telling her she “should have just paid the bill.” She subsequently stopped responding to collection efforts and her complaint stems from difficulties establishing credit with a mortgage lender in her efforts to purchase a home.
Progressive Management Systems responded to both complaints with a boilerplate response that, “We are more than happy to communicate with you via this portal. However, because details of our response may include personal financial or medical information, Progressive Management Systems must have signed, written permission from the complainant…If we do not receive permission from you prior to the date of the required response, then we will have no choice but to issue a response in writing to the person and home address that we may have on file.”
Understanding your Debt Collection Rights
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.
If you’ve been harassed by debt collectors, 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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