PMAB Debt Collection Harassment
Tired of PMAB Debt Collection Harassment? Wish there was a way to make the calls stop? Is PMAB constantly calling and harassing you? Does your phone ring every day, several times per day, because PMAB has called you repeatedly to demand payment? Threatening you with legal action? Has PMAB ever used abusive or profane language when speaking with you on the phone? If so, PMAB may be violating your legal rights. Stop the harassment. Repeated and abusive calls from PMAB may constitute debt harassment under the law. Debtors are often targeted by these aggressive collection tactics.
The protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is PMAB a Scam?
According to the Better Business Bureau website, PMAB has been in business since 1988. There have been 58 customer complaints filed.
Read more here: PMAB Better Business Bureau.
Who is PMAB?
PMAB is a third party debt collector located in Charlotte, North Carolina. They have been a party to over 70 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. Furthermore, a recent Federal Court case alleges that PMAB used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
PMAB and its parent company primarily serve healthcare providers and the pharmaceuticals industry, offering third party collection services to recover unpaid medical and pharmaceutical debts.
Address: 4135 Southstream Blvd Ste 400 Charlotte, NC 28217-4636
Phone: (704) 553-7144
Fax: (704) 643-8513
PMAB Debt Collection Harassment Tactics
The FDCPA regulates the actions of both debt collectors and creditors to protect consumers from abusive practices.
If PMAB engages in any of the following tactics, you may have a case:
- ➢ Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call (FDCPA 15 U.S.C. 1692c)
- ➢ Talking to others about your debt (FDCPA 15 U.S.C. 1692b): Debt collectors are prohibited from disclosing information about your debt to third parties without your consent.
- ➢ Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work. (FDCPA 15 U.S.C. 1692c)
- ➢ Use any profane language or any language that is harassing and abusive (FDCPA 15 U.S.C. 1692d)
- ➢ Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. (FDCPA 15 U.S.C. 1692d)
- ➢ Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment (FDCPA 15 U.S.C. 1692e). If requested, debt collectors must provide written proof to validate their claims.
- ➢ Threaten arrest or criminal prosecution ( FDCPA 15 U.S.C. 1692e)
- ➢ Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e)
- ➢ Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d)
PMAB Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- ☎️ 866-885-7622
- ☎️ 704-643-8418
- ☎️ 704 553 7146
- ☎️ (704) 553-7146
- ☎️ 800 849 0088
- ☎️ 8008490088
- ☎️ 1 800 849 0088
- ☎️ 1 800 849 0088
- ☎️ 8008490088
- ☎️ 7045537146
- ☎️ 704 553 7146
If so, you may be a victim of PMAB debt collection harassment. The list above is not all the numbers that PMAB uses. Also, calls can be from different phone numbers and it still be PMAB calling you. Contact our office right away so we can start the process to stop PMAB from calling you illegally. Above all, no one should live with harassment.
How PMAB Affects Your Credit Report and Credit Bureaus
When dealing with PMAB LLC, a third party debt collector, it’s important to understand how their debt collection practices can impact your credit report and your standing with credit bureaus. If PMAB is attempting to collect a debt from you, they may report the collection account to major credit reporting agencies. This action can result in a negative mark on your credit report, which may lower your credit score and make it more challenging to secure loans, credit cards, or even housing in the future.
Debt collectors like PMAB are required to follow fair debt collection practices as outlined by federal law, specifically the Fair Debt Collection Practices Act (FDCPA). This law is designed to protect consumers from deceptive debt collection practices and debt collection harassment. Under the FDCPA, a debt collector cannot use misleading information, threaten you, or provide false details about your alleged debt. If PMAB reports inaccurate or false information to a credit bureau, it could unfairly damage your credit.
Errors on your credit report can happen, especially when third party debt is involved. For example, PMAB might report a debt that doesn’t belong to you, or list an incorrect amount owed. That’s why it’s crucial to regularly review your credit reports from all three major credit reporting agencies. By law, you’re entitled to a free credit report from each agency every year. If you spot any mistakes related to PMAB or any other debt collection company, you have the right to dispute the information directly with the credit bureau. The bureau is then required to investigate and correct any verified errors.
If you’re facing harassment from PMAB or believe they are using unfair or deceptive debt collection practices, you can take action. Start by requesting written validation of the debt—PMAB must provide this within five days of their first contact. If you believe your rights have been violated, consider reaching out to a legal professional who specializes in fair debt collection practices. They can help you understand your options, whether it’s disputing a debt, negotiating a payment plan, or filing a formal complaint.
Additionally, organizations like the Better Business Bureau (BBB) and your state’s Attorney General’s office accept complaints about debt collection harassment and unfair practices. Filing a complaint can help hold PMAB accountable and may assist in resolving your issue.
In summary, PMAB’s debt collection activities can have a lasting effect on your credit and financial future. Stay proactive by monitoring your credit report, knowing your rights under the FDCPA, and seeking immediate assistance if you experience debt collection harassment. Protecting your credit and standing up to unfair debt collection practices is your right as a consumer.
Complaints Against PMAB
The following is a sample list of complaints filed against PMAB and can be found on Pacer.gov. Many of these cases are filed in United States District Court, which has jurisdiction over federal debt collection litigation.
- 📝 3:19-cv-01396-RV-EMT MAKIN v. PMAB, LLC et al
- 📝 3:19-cv-00636-JGC Chambers-Pope v. PMAB, LLC
- 📝 1:19-cv-00237-LCB-JEP HARVELL v. PMAB, LLC
- 📝 7:18-cv-11152-NSR Scalabrini v. PMAB, LLC et al
- 📝 3:18-cv-03127-JFA Dunn v. PMAB LLC
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop PMAB debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent PMAB debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
🏆 I wish there was an option to select more stars. I was getting harassed by a debt collector. They would call me (and my mother?!), threaten to sue me and overall extremely unprofessional. I found CRLF on Google, read the reviews and immediately texted them. This was around 11pm. Scott texted back within 10 minutes!!!!!!!!!!!! He was extremely patient with me, reassured me when I was crying on the phone, and quite literally took a weight off my shoulders. I had no idea this was even possible with what they deal with, but Scott was/is a God-sent. Please let them help you! You will NOT regret it.
🏆 Had a horrible experience with a debt collector. Threats and constant phone calls – it was a living nightmare! Got hold of the Consumer Rights Law Firm and within 72 hours all the calls and threats stopped!!! Within a few months – the debt collector paid my debt and all the costs associated with the resolution!!! I can’t thank this law firm enough and I wish I could recommend them by as many stars as there is in heaven!!!
🏆 I am incredibly grateful to Consumer Rights Law Firm for their exceptional service in helping me during a difficult time. Debt collectors were harassing me relentlessly, and it felt like there was no way out. From the moment I reached out to them, they provided me with the support and guidance I desperately needed. Scott was amazing from start to finishing calling & following through with questions & answers.
Frequently Asked Questions
Why is PMAB, LLC calling me?
PMAB, LLC may be contacting you to collect a debt on behalf of a creditor or purchaser of debt. They are a third-party collection firm whose calls may stem from outstanding medical or other accounts.
What constitutes phone harassment by PMAB, LLC?
Phone harassment by PMAB may include repeated or continuous calls with intent to annoy, calling before 8 a.m. or after 9 p.m., contacting you at work after being instructed not to, or using threatening or abusive language.
Can PMAB, LLC call my cell phone without my consent?
If PMAB places automated or prerecorded calls to your cell phone and you did not give prior express consent, this may violate the TCPA and could be illegal.
Does PMAB, LLC have to validate the debt they are calling about?
Yes. Under the FDCPA, you have the right to request verification of the debt within 30 days of first contact, and PMAB must provide proof before continuing collection efforts.
Can I ask PMAB, LLC to stop calling me?
Yes. You may send PMAB a written cease-and-desist letter requesting that all further communication be in writing. Once they receive this, they must cease most calls except those legally required.
What should I do if PMAB, LLC is reporting me to credit bureaus incorrectly?
If you believe PMAB is reporting inaccurate debt information, you can dispute the information with the credit bureaus, and request PMAB provide validation of the debt. You may also pursue remedies under the FCRA.
Can I sue PMAB, LLC for debt collection harassment?
Yes. If PMAB violates the FDCPA, TCPA or other applicable laws, you may sue them for statutory damages, actual damages, attorney’s fees and costs, depending on the jurisdiction.
How should I document calls and harassment from PMAB, LLC?
Keep detailed records of all calls (date, time, caller, phone number), save voicemails and texts, record when you asked them to stop, and keep all written correspondence; this documentation strengthens your case.
What if PMAB, LLC contacts my employer or third‐parties about the debt?
Under the FDCPA, PMAB may only contact your employer to verify your employment, provided you haven’t told them otherwise. Contacting other third‐parties or disclosing your debt may violate the law.
How can a consumer rights attorney help with PMAB, LLC harassment calls?
A consumer rights attorney can send the proper letters, evaluate whether PMAB’s actions violated your rights, negotiate settlements or file lawsuits, and guide you through the complaint or legal process.