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What to Do If a Debt Collection Agency Threatens Legal Action
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Did Professional Account Management* Threaten Legal Action

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Professional Account Management (PAM) was founded and incorporated in 1999, but the Better Business Bureau set up a page for the company in 1994. The third-party collection agency often uses an alternate business name, Duncan Solutions, Inc. The company has 75 employees with annual revenue of $5 million.

How To Respond To a Lawsuit From Professional Account Management

Always keep records regarding any debts. You want to keep receipts and proof of payments, all correspondence, and any statements you receive.

You want to have proof of the original debt amount and of the payments. If you doubt the legitimacy of the debt, or if you don’t believe the amount of the debt they are collecting is accurate, then you can ask for validation of the debt.

To validate a debt, Professional Account Management must provide supporting documentation that shows you are responsible for the debt, the amount of debt, and payment history. If you do owe the debt, you can negotiate a settlement for much less that the actual amount that you owe. You should enlist the help of an FDCPA lawyer to help you fight the legal action filed by Professional Account Management.

Did Professional Account Management* Threaten Legal Action

Damages You Could Receive From Professional Account Management

Collection agencies, such as Professional Account Management, can go overboard and harass clients. If you have been harassed by Professional Account Management, you might suffer damages.

If that is the case, you can pursue a claim against the collection agency. If PAM violated the FDCPA, you are protected by federal laws. Here are some different ways you could recover damages from Professional Account Management:

Emotional distress – Harassment, threats, and repetitive calls can affect you emotionally. This can be damaging to relationships and affect your work and academic performance.

Lost wages – Emotional and physical distress from the harassment of PAM may affect your ability to work. If that happens, you will lose income. Reduced production at work that affects your income, or if the stress causes absences from work, then you have loss of income. You can seek to recover those lost wages from Professional Account Management.

Recovery of wage garnishment – If your pay was illegally garnished by Professional Account Management, you can ask that they reimburse those garnished wages.

Statutory damages – If the actions of PAM violated the FDCPA, but you don’t have grounds to claim damages for emotional distress or physical distress, you might be eligible for statutory damages. An attorney will help you to file a claim to ask for $1,000 in statutory damages.

Physical distress – A debt collector’s harassment can cause physical issues. Different conditions you might experience include stress-induced anxiety, high blood pressure, migraines, heart problems, and insomnia.

Legal fees –Hold Professional Account Management responsible for any of the legal fees, court costs, and attorney’s fees you incur because of the harassment you suffered.

Injunctive relief – Order PAM to cease and desist all collection activities. After this is done, they cannot contact you or your family.

Talk to an FDCPA Attorney Today

If Professional Account Management has threatened you with legal action, you should retain the services of an FDCPA attorney who is licensed in your state. Get your Free Case Evaluation today!

*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Professional Account Management or any other third-party collection agency, you may not be entitled to receive any compensation.

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