Debt collectors often engage in unethical and even illegal conduct to get money from people who have always worked hard but fallen on difficult times financially. They even abuse victims of fraud, who do not actually owe these debts.
If this happens to you, don’t give in to the intimidation. You have legal remedies at your disposal that include suing the debt collector.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) prohibits third-party collection agencies from behaving in ways designed to bully an indebted consumer into paying. Companies that disregard your legal rights by subjecting you to the following can be sued and even closed down permanently.
- Contacting you directly after you hire an attorney
- Using profane and obscene language
- Telling your friends, neighbors, and co-workers that you owe a debt
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Demanding amounts not supported by law or the original creditor agreement
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
Company Profile: PMAB, LLC
If you are being called by PMAB, LLC, more information about the company and its history is below.
PMAB, LLC is a debt collection agency located in Charlotte, North Carolina. It was opened for business in 1988, has approximately 85 employees, and is managed by Mike Coffey. According to its website, the company is the MedA/Rx® collection arm.
Court action indices maintained by the PACER website reveals that consumers who felt they were being harassed by PMAB, LLC chose litigation over passive repayment.
Alleged Violations against PMAB, LLC
According to PACER, in or around 2008, PMAB, LLC sent a collection letter to a South Carolina consumer requesting payment for a medical debt. On or about March 21, 2010, the consumer sent in a dispute letter requesting validation of the debt and calls cease.
Despite this request, debt collectors allegedly continued to call him, sometimes multiple times in one day, seeking payment without identifying themselves as debt collectors.
Feeling harassed by PMAB, LLC, the consumer hired legal counsel and sued the company for allegedly violating the FDCPA by:
- Misrepresenting the character, amount, or legal status of a debt
- Ignoring a cease communications request
- Failing to identify itself as a debt collector in all communications
- Using false, deceptive, and misleading means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for PMAB, LLC are:
If they appear on your caller ID, collectors from PMAB, LLC are trying to contact you. If they ignore your request to cease contact, hire a consumer lawyer and obtain their guidance in filing a claim against PMAB, LLC instead.
If your claim succeeds, the company could be ordered to pay you statutory damages of up to $1,000 in addition to your legal fees. When a debt collector treats you like you have no rights, a lawsuit can set them straight.
- How to Stop a Debt Collector from Threatening Legal Action
- Has a Debt Collector Used Profane Language?
Case taken from PACER (pacer.gov). File number is Case 0:10-cv-02774-CMC from the United States District Court for the District of South Carolina, Rock Hill Division.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against PMAB, LLC or any other third-party collection agency, you may not be entitled to any compensation.