Professional Credit Management

Who is Professional Credit Management?

Professional Credit Management, Inc. (PCM) is a debt collection agency located in Jonesboro, Arkansas. Their work primarily revolves around recovering unpaid debts on behalf of their clients.

If you’ve been unable to settle a debt, you might find PCM listed on your credit report as a collections account. This scenario often arises when a creditor has exhausted their attempts to collect on an overdue bill and subsequently decides to involve a collection agency in the process.

Who does Professional Credit Management collect for?

Professional Credit Management serves a diverse range of industries in their debt recovery operations. Their client portfolio includes commercial and retail businesses, finance companies, healthcare providers, manufacturers, service companies, municipalities, utility companies, and veterinarians.

Is Professional Credit Management collect legit or a scam?

Professional Credit Management, Inc. collect 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 Credit Management from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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 Credit Management (PCM) Contact Information

Address:

Professional Credit Management, Inc.
500 W Washington Ave
Jonesboro, AR 72401

Mailing address:

Professional Credit Management, Inc.
PO Box 4037
Jonesboro, AR 72403

Phone number: (870) 932-7030

Should I contact or pay Professional Credit Management?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Professional Credit Management is to work with a credit repair professional. They help remove millions of negative items every year from companies like Professional Credit Management on behalf of their clients.

Will Professional Credit Management sue me or garnish my wages?

Professional Credit Management can, in some cases, sue a debtor for the unpaid debt. If they win the lawsuit, they might be able to obtain a court judgment against the debtor. With this judgment, they could potentially garnish your wages, bank account, or even put a lien on your property, depending on the specific laws in your state.

However, it’s important to note that not every debt results in a lawsuit. Often, debt collectors prefer to resolve the debt without legal proceedings due to the cost and time involved.

Professional Credit Management Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Professional Credit Management, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for Professional Credit Management 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. They have 30 days to prove the debt is yours and the amount is accurate.
• Professional Credit Management cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Professional Credit Management must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• Professional Credit Management cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Professional Credit Management From Your Credit Report Today!

Credit Saint can help you dispute Professional Credit Management collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

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 or call (855) 281-1510 for a free credit consultation to see what they can do for you.