If Professional Account Services is showing up on your credit report, it likely means they’re trying to collect an unpaid debt. Here’s what to know about this collection agency, how they impact your credit, and what you can do to remove them from your credit report.
Who Is Professional Account Services?
Professional Account Services, Inc. (PASI) is a debt collection agency based in Brentwood, Tennessee. They’ve been in business since 1987 and collect unpaid debts on behalf of healthcare providers.
If your medical bills have been turned over to them, their name may appear on your credit report as a collections account, which can hurt your credit score.
Who Does Professional Account Services Collect For?
Professional Account Services specializes in medical debt collection. Their clients include:
- Hospitals
- Healthcare providers
- Medical service organizations
If you’ve received medical care and failed to pay the bill, your account may have been sent to PASI for collection.
Is Professional Account Services Legitimate?
Yes, Professional Account Services is a legitimate collection agency. They are authorized to collect debts on behalf of their clients.
Even though they’re a real company, you should always verify the details before making payments. Credit reporting errors happen frequently, so never assume the debt is valid without confirmation.
How to Remove Professional Account Services From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, but you have options:
- Dispute Inaccuracies: Review your credit report and dispute any incorrect or outdated information with the credit bureaus.
- Request Debt Validation: You can ask Professional Account Services to validate the debt. They must prove it’s yours and that the amount is accurate.
- Negotiate a Pay-for-Delete: Sometimes, you may be able to settle the debt and request that the account be removed from your credit report. Always get the agreement in writing.
- Work With Credit Repair Experts: Many people work with credit repair professionals to challenge questionable accounts and improve their credit history.
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 Services?
Before reaching out or making payments, take these steps:
- Confirm that the debt is accurate and valid
- Request proper debt validation in writing
- Understand that making a payment could restart the statute of limitations
Many people choose to work with a credit repair service to avoid mistakes and increase their chances of getting collections removed.
Can Professional Account Services Sue You or Garnish Wages?
Yes, Professional Account Services can sue you for unpaid debts. If they take legal action and win, they could:
- Garnish your wages
- Freeze your bank account
These actions depend on your state’s laws. Lawsuits are typically a last resort, but ignoring collection notices increases your risk.
Professional Account Services Complaints
Like many debt collectors, Professional Account Services has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate credit reporting
- Harassment or aggressive collection tactics
- Failure to properly validate debts
If you believe your rights have been violated, file a complaint and document all communication.
Your Rights When Dealing With Professional Account Services
Debt collectors must follow federal laws under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect you from unfair practices:
- PASI cannot report false or incomplete information
- You have the right to request debt validation within 30 days of their first contact
- They cannot harass, threaten, or use abusive language
- They must clearly identify themselves as a debt collector
- They cannot make false legal claims or threaten arrest
Understanding your rights helps you deal with collections with confidence.
Professional Account Services Contact Information
Office Address:
Professional Account Services, Inc.
7100 Commerce Way, Suite 100
Brentwood, TN 37027
Mailing Address:
Professional Account Services, Inc.
PO Box 188
Brentwood, TN 37024
Phone Numbers:
(615) 465-8500
(800) 755-5152
Ready to Get Professional Account Services Off Your Credit Report?
If Professional Account Services is affecting your credit, you don’t have to face it alone. Credit Saint has helped thousands of people dispute inaccurate accounts and clean up their credit reports.
They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to get started today and take control of your credit.
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.
