🚨Professional Debt Mediation Phone Harassment
Is Professional Debt Mediation (PDM) calling you? Stop Professional Debt Mediation phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop Professional Debt Mediation Phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
If you believe that Professional Debt Mediation violates your rights under federal laws like the FDCPA or FCRA, you can file complaints with regulatory agencies or seek damages through legal channels.
⚠️Is Professional Debt Mediation a Scam?
According to the Better Business Bureau website, Professional Debt Mediation has been in business for 21 years. There have been 127 complaints filed against PDM with the BBB.
🔍Who is Professional Debt Mediation?
Professional Debt Mediation is a third-party debt collector located in Jacksonville, Florida, often working on behalf of original creditors to recover debts. They have been a party to over 160 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that Professional Debt Mediation tried to collect on a debt that had been previously settled to attempt to coerce a payment from the harassed consumer, potentially indicative of Professional Debt Mediation Phone Harassment.
Address: 7948 Baymeadows Way 2nd Floor Jacksonville, FL 32256
Phone: (904) 398-0080
📢Professional Debt Mediation Collection Tactics
Professional Debt Mediation, like other debt collection agencies, employs various tactics to collect debts from consumers. These tactics may include sending letters and emails demanding payment, making phone calls (including robocalls and live calls), and reporting debts to credit reporting agencies, which can negatively impact your credit score. They may also use skip tracing techniques to locate consumers who have moved or are difficult to reach, and in some cases, they might file lawsuits against those who fail to pay their debts. Additionally, PDM may send debt validation letters to verify the debt and obtain payment.
It’s essential for consumers to understand their rights when dealing with Professional Debt Mediation and other debt collectors. The Fair Debt Collection Practices Act (FDCPA) regulates the behavior of debt collectors and prohibits certain tactics, such as Professional Debt Mediation Phone harassment, false statements, and unfair practices. Knowing your rights can help you protect yourself from abusive collection practices and ensure that any debt collection efforts are conducted fairly and legally.
📲Professional Debt Mediation Phone Harassment Tactics
If Professional Debt Mediation engages in any of the following tactics, you may have a case of Professional Debt Mediation Phone Harassment:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
Consumers are also protected under the Telephone Consumer Protection Act (TCPA), which restricts robocalls and automated calls from debt collectors and allows for monetary damages if violations occur.
📞Professional Debt Mediation Phone Harassment Numbers
Are you receiving any harassing phone calls from any of the following numbers? 904-398-0800, 888-676-9873, (904) 398-0800, (888) 676-9873, 9043980800, 8886769873 If the answer is yes, then you are receiving calls from a known PDM number. You may be a victim of Professional Debt Mediation Phone harassment. The list above is not all the numbers that PDM uses. The calls can be from a different number and it still be Professional Debt Mediation calling you. Contact our office right away so we can start the process to stop PDM from calling you illegally. Above all, no one should live with harassment!
If you notice inaccuracies on your credit report due to these calls, it is important to dispute them with the credit bureaus in writing via certified mail to ensure proper tracking.
📜Common Questions and Professional Debt Mediation Complaints
Is PDM a scam?
No, Professional Debt Mediation has been in business for 21 years. As third-party debt collectors, agencies like PDM are regulated by laws such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, which provide protections for consumers against unfair practices.
Can Professional Debt Mediation garnish my wages?
Yes, PDM can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can PDM sue me?
Yes, PDM can sue you so long as the debt is within the statute of limitations
Can PDM report my debt to the collections bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report
Can PDM arrest me?
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
🧾The following is a sample list of complaints filed against Professional Debt Mediation in the past year and can be found on Pacer.gov.
3:11-cv-05670-CRB Foshee v.
4:12-cv-00074-BAE-GRS Stephens et al v.
et al 1:11-cv-12237-JLT Camacho et al v.
5:15-cv-00199-BKS-ATB Stevens v.
et al 1:14-cv-00036-CAB Sloan v.
📄Professional Debt Mediation Phone Harassment Complaints
Professional Debt Mediation has received numerous complaints from consumers regarding its debt collection practices. Some common complaints include Professional Debt Mediation Phone harassment and abuse by debt collectors, false statements and misrepresentations about debts, failure to validate debts and provide accurate information, and unfair and deceptive practices, such as charging excessive fees. Additionally, there have been reports of PDM failing to comply with the FDCPA and other consumer protection laws.
Consumers can file complaints against Professional Debt Mediation with the (CFPB), the Federal Trade Commission (FTC), and the Better Business Bureau (BBB). It’s essential to document all interactions with Professional Debt Mediation and keep records of any complaints filed. This documentation can be crucial if you need to take legal action or seek assistance from a consumer protection attorney.
📝Professional Debt Mediation and Your Credit Report
Professional Debt Mediation may report debts to credit reporting agencies, which can negatively impact your credit score. Consumers have the right to dispute any inaccuracies on their credit reports and request that Professional Debt Mediation verify the debt. The Fair Credit Reporting Act (FCRA) regulates the reporting of debts to credit reporting agencies and provides consumers with certain rights, including the right to request a free credit report from each credit reporting agency once a year, the right to dispute any inaccuracies on credit reports, and the right to request that credit reporting agencies verify debts and remove any inaccuracies. Additionally, consumers facing Professional Debt Mediation Phone Harassment have rights under the Fair Debt Collection Practices Act (FDCPA), which protects them from abusive debt collection practices.
Consumers can also request that Professional Debt Mediation provide a debt validation letter, which must include certain information, such as the amount of the debt, the name of the creditor, and the date the debt was incurred. Ensuring that your credit report is accurate and up-to-date is crucial for maintaining a good credit score and financial health.
📜Professional Debt Mediation Settlement and Negotiation
Professional Debt Mediation may be willing to settle debts for less than the full amount owed. Consumers can negotiate with Professional Debt Mediation to reach a settlement agreement. It’s essential to understand the terms of the settlement and ensure that it is fair and reasonable, especially when dealing with potential Professional Debt Mediation Phone Harassment. Some tips for negotiating with Professional Debt Mediation include knowing the amount of the debt and the original creditor, understanding the statute of limitations on the debt, making a realistic offer to settle the debt, being prepared to negotiate and compromise, and documenting all agreements and communications with Professional Debt Mediation.
Consumers can also seek the help of a consumer protection attorney to negotiate with Professional Debt Mediation and ensure that their rights are protected. An attorney can provide valuable advice and representation, helping you achieve a fair settlement and avoid potential pitfalls.
🏦Professional Debt Mediation Lawsuits and Legal Action
Professional Debt Mediation may file lawsuits against consumers who fail to pay debts. Consumers have the right to defend themselves against these lawsuits and may be able to negotiate a settlement or have the lawsuit dismissed. Some tips for dealing with a lawsuit from Professional Debt Mediation include responding to the lawsuit in a timely manner, seeking the help of a consumer protection attorney, understanding the terms of the lawsuit and the potential consequences, negotiating a settlement or defending against the lawsuit, and documenting all communications and agreements with Professional Debt Mediation, especially instances of Professional Debt Mediation Phone Harassment.
Consumers can also file counterclaims against Professional Debt Mediation for violating the FDCPA or other consumer protection laws. If you find yourself facing a lawsuit from PDM, it’s crucial to act quickly and seek legal assistance to protect your rights and interests.
🏛️About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing Professional Debt Mediation Phone harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Professional Debt Mediation 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 Professional Debt Mediation Phone harassment, call us at (877)700-5790 for immediate assistance or visit our website.
