Professional Credit Management

Updated

Is Professional Credit Management hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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 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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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 Credit Management, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Professional Credit Management may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Professional Credit Management 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 Credit Management cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Professional Credit Management From Your Credit Report Today!

Credit Saint can assist you in disputing Professional Credit Management collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Crediful
Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.