Falling behind with monthly bills does happen from time to time. You may have had to deal with a sick member of your family or have to buy a replacement car because yours is no longer fit for the road. Whatever the reason it doesn’t give your creditor the opportunity to hire a debt collection company like Professional Account Management, LLC to harass you to pay the debt.
Fortunately for you, the 1978 Fair Debt Collection Practices Act (FDCPA) restricts what a debt collector can do when approaching you to pay your debt. Unfortunately, not every debt collector takes notice of the FDCPA so if you have evidence to prove that the Professional Account Management, LLC has been calling you too often and in antisocial hours you could be eligible to file an FDCPA lawsuit for damages.
Professional Account Management, LLC - Company Profile
Professional Account Management LLC or PAM is a third-party debt collection agency with its headquarters in Wisconsin. PAM has been the recipient of numerous consumer complaints in relation to violating the Fair Debt Collection Practices Act (FDCPA).
This includes failure to send out debt validation letters to verify the debts and it has even tried to force people to pay debts for money they don’t even owe. The Better Business Bureau (BBB) has closed 169 complaints filed against Professional Account Management in just three years 97 of these were closed in the last year. Many of these complaints were alleged due to problems with collections and billing.
What Is a Debt Validation Letter? And Why Do You Need It?
You shouldn’t feel intimidated when approached by a debt collector from Professional Account Management, LLC Collection Agency and if you think you don’t owe anything you should send to the debt collector a debt verification letter.
This is a request for the debt collector to provide you with a debt validation letter that offers all the details you will need to know about the debt.
Once the debt collector has received your request it must respond within 5 days with a debt validation letter. This is a requirement imposed by the FDCPA. If Professional Account Management, LLC Collection Agency has not sent you the debt validation letter within the required time frame it is a violation under the FDCPA. This means you can file a lawsuit for damages due to the debt collector’s violation.
Talk to an Attorney Today
If Professional Account Management, LLC did not validate your debt by sending you a debt validation letter it has to accept the legal consequences. You should contact an FDCPA attorney who specializes in harassment by debt collectors and she/he will decide if you have a case for filing for damages.
This might be the only way to stop the harassment taking place. Fill out our Free Case Evaluation so you can be connected to an FDCPA attorney who handles consumer law cases in your state.
*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, LLC, or any other third-party collection agency, you may not be entitled to compensation.