Who is Professional Bureau of Collections of Maryland, Inc.?
Professional Bureau of Collections of Maryland, Inc. (PBCM) is a debt collection agency located in Greenwood Village, Colorado. They also have offices in Elk Grove, California and Richmond, Virginia. Despite having “Maryland” as part of their name, we couldn’t find any relation to the state of Maryland.
You may see PBCM listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Professional Bureau of Collections of Maryland collect for?
Professional Bureau of Collections of Maryland provides a wide range of accounts receivable services for clients in the following industries:
- banks and credit unions
- communications and utilities
- consumers and auto finance
- defaulted student loans
- property and service contracts
If Professional Bureau of Collections of Maryland is contacting you about student loan debt, it’s important to note that PBCM does not buy your federal student loan debt from the US Department of Education. Instead, the US Department of Education has hired PBCM to collect on your defaulted federal student loans.
Is Professional Bureau of Collections of Maryland legit or a scam?
Professional Bureau of Collections of Maryland is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Professional Bureau of Collections of Maryland from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Professional Bureau of Collections of Maryland, Inc. Contact Information
Professional Bureau of Collections of Maryland, Inc.
5295 DTC Parkway
Greenwood Village, CO 80111
Phone number: (800) 270-9685
Should I contact or pay Professional Bureau of Collections of Maryland?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Professional Bureau of Collections of Maryland is to work with a credit repair professional. They help remove millions of negative items every year from companies like PBCM on behalf of their clients.
Will Professional Bureau of Collections of Maryland sue me or garnish my wages?
Professional Bureau of Collections of Maryland, like other debt collection agencies, is entitled to sue you for an unpaid debt. If they obtain a court judgment against you, they may potentially garnish your wages or use other methods to recover the debt, depending on your state’s laws.
However, it’s crucial to note that not all debt collectors will choose to go this route, as filing a lawsuit is often time-consuming and expensive. This is usually a last resort when other collection efforts have failed.
Professional Bureau of Collections of Maryland, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Professional Bureau of Collections of Maryland, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Professional Bureau of Collections of Maryland to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Professional Bureau of Collections of Maryland, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Professional Bureau of Collections of Maryland must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Professional Bureau of Collections of Maryland cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Professional Bureau of Collections of Maryland From Your Credit Report Today!
Lexington Law can assist you in disputing Professional Bureau of Collections of Maryland collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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