If Professional Account Management, LLC (PAM) has shown up on your credit report, it could be hurting your score. Here’s what you need to know—and how to remove them if possible.
Who Is Professional Account Management?
Professional Account Management, based in Milwaukee, Wisconsin, is a debt collection agency that focuses on recovering unpaid tolls, parking fines, and other traffic-related violations.
If they appear on your credit report, it usually means a city, state, or municipal agency sent your unpaid toll or parking debt to collections.
Who Does Professional Account Management Collect For?
Professional Account Management is a division of Duncan Solutions, Inc. They work with:
- City governments
- State agencies
- Municipalities
They specialize in collecting unpaid parking tickets, toll violations, and other transportation-related debts.
Is Professional Account Management Legitimate?
Yes, Professional Account Management is a real debt collection agency. But even legitimate companies can report inaccurate information, so always verify the debt before paying or making arrangements.
How to Remove Professional Account Management From Your Credit Report
A collection account can damage your credit score for up to seven years, but there are steps you can take to remove it:
- Dispute errors: If the account details are incorrect or the debt isn’t yours, file a dispute with the credit bureaus.
- Request debt validation: You can ask PAM to provide proof the debt is yours and the amount is correct. If they can’t, they must remove the account.
- Negotiate a pay-for-delete: Some agencies will agree to remove the account from your credit report if you settle the debt. Always get any agreement in writing.
- Work with a credit repair service: Professionals can help dispute the account or negotiate removal on your behalf, saving time and stress.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Professional Account Management?
Before contacting PAM, review your credit report and verify the debt. Paying an old or incorrect debt can restart the clock, keeping the negative mark on your credit longer.
If the debt is valid, you can try to settle or arrange removal terms. Many people prefer to work with a credit repair company to avoid dealing with collectors directly.
Can Professional Account Management Sue or Garnish Wages?
Professional Account Management has the legal right to sue for unpaid debts. If they win in court, they may be able to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
That depends on your state’s laws. Lawsuits, however, are usually a last resort because they take time and money for both parties.
Complaints About Professional Account Management
Like many collection agencies, Professional Account Management has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
The most common complaints include:
- Inaccurate credit reporting
- Harassing phone calls
- Failure to verify debts
If you believe your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Professional Account Management
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from unfair collection practices. Your rights include:
- PAM cannot report false or incomplete information.
- You can request written proof that the debt is valid and accurate.
- They cannot harass, threaten, or use abusive language.
- They must identify themselves as a debt collection agency.
- They cannot threaten arrest or legal action they aren’t authorized to take.
Professional Account Management Contact Information
Address:
Professional Account Management, LLC
633 W Wisconsin Ave Ste 1600
Milwaukee, WI 53203
Phone: (414) 847-1096
Get Help Removing Professional Account Management From Your Credit Report
Dealing with collections like PAM can be overwhelming, but you don’t have to do it alone. Credit Saint has helped thousands of people remove negative accounts from their credit reports.
With over 15 years of experience, they’ve worked to help consumers clean up their credit—and they even offer a 90-day money-back guarantee for peace of mind.
Want to see how they can help? Visit their website or call (855) 281-1510 for a free consultation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
