Internet's first get-out-of-debt community - 135,000 members

Posted: Wed Dec 07, 2005 2:42 pm Subject: Professional Credit Management, Inc???

I went out today, came back to a message on my answering machine. It was automated and it said my husbands name. They gave me a phone number to call and a number to reference. They didn't say who they were, so I called the number back. I got an answering machine. It identified the number as being 'Professional Credit management, Inc.". I hung us, as I just wanted to see who they were.
870-933-8257
I was wondering if this is a collection agency or people that help you with your financial problems? As far as I know, I haven't dealt with them or know what they want. anyone here know? thanks, shirley

Posted: Wed Dec 07, 2005 3:25 pm Subject:

Hi Shirley,

How are you today? Hope you must be keeping a good a health. And how is your DH? Ask him sometimes to come on the board! Smile

He will feel good about you being here with us.

Professional Credit Management is a collection agency that might be contacting you for a past debt. The chief of the company is Ms. Karen Dixon. Here is the address to contact them.

Professional Credit Management, Inc.
P.O. Box 4037
Jonesboro, AR 72403
Phone Number: (870) 932-7030
Fax Number: (870) 932-2612

Although this company is not a member of BBB, but they have a good track record with the consumers. Any type of complaints submitted by the bureaus has been resolved by this collection agency. However, you have to deal with them in practical terms and share your experience with us. I pray that you have a positive outcome.

Regards
Roxette

Posted: Wed Dec 07, 2005 4:25 pm Subject:

Okay--tonight I will search through my 'open' collection folder (the accounts that are unsettled because of non response to validation requests)--one wells fargo account--and the Dell accounts and see if that 'reference' number they left on my answering machine, means anything.

Also, I've never had a collection agency just call me like that, not without FIRST sending me something through the mail. I don't like dealing with these people over the phone, especially when I don't know up front what its about. I might be caught off guard. Like what if it concerns one of these accounts that they keep playing hot potato with? every time I ask for validation, they pass it on.
So---should I wait to get something in the mail? OR go ahead and drop them a line, explain that I got their message on my machine and that we are no phone calls kind of people, so send anything to us through the mail?

Thanks for the info Roxette!!!! shirley

hubby is a truckdriver, that's what he does best and doesn't get on the computer...but he does have me look up stuff for him. I'm the computer geek in the house. LOL!!! he does know about the group and all of you--hes amazed sometimes at how much I know and have learned. =)

Posted: Wed Dec 07, 2005 4:48 pm Subject:

It's preferred to stay away from collection agencies over the phone especially with those who don't identify themselves properly. If you call them, they need to prove first that they have got the right person, right amount, and have the legal rights to collect in your state.

Apart, you can send a DV letter through Certified Mail, Return Receipt Requested and request for the account info.

Posted: Wed Dec 07, 2005 5:05 pm Subject:

Great, because I didn't want to call them anyways, and prefer to do it through the mail and written correspondence only. I would think that after they call a few times and don't get us, they would send something through the mail anyways,but I'll go ahead and head it off by writing them, to find out what its about. no surprises that way. If its one of the accounts that keeps getting passed around, it would be awkward to speak about it over the phone and I might find myself in a position that I don't want to be in. This way, everything is documented. Thanks Roxette!! shirley

Posted: Wed Dec 07, 2005 5:32 pm Subject:

If the agency places the calls at regular intervals, you can shoot a C&D letter with preference to contact only through mail.

Posted: Wed Dec 07, 2005 8:00 pm Subject:

They are a collection agencey out of Arkansas with offices in Mountain Home and Jonesboro. I have dealt with this company from both ends. Both as a debtor and from my work at a vet clinic - with non-paying accounts. IMO they were very nice as a debtor and based on that experience, I chose them to send our collections accounts to.

Professional Credit Management, Inc
500 W Washington Ave
PO Box 4037
Jonesboro, AR 72403-4037
(800)999-3780
(870)932-7030
(870)932-2612 fax

Professional Credit Management of Mt Home, Inc
706 South Main, Ste #1
Mountain Home, AR 72653

(800)238-5374
(870)425-7191
(870)424-3661 fax

Their website is www dot pro-credit dot com

Posted: Thu Dec 08, 2005 3:30 am Subject:

Thank you for the info!!!!! And I really appreciate knowing that if I do have to deal with them (provided that this is my debt and they can validate), that they are really nice to get along with. THats important. so thanks for passing that on to me!

Roxette, I was wondering about something---If I drop them a line first, approaching them to find out why they're calling my home, does that need to be certified-return receipt???? It wouldn't be until the next letter, that I would be asking for validation. Thanks!!! shirley

Posted: Thu Dec 08, 2005 2:13 pm Subject:

Shirley, you can mention this point in the DV letter. Tell them that you refuse to be contacted until the details of the accounts has been sent and prefer to be contacted only through mail. This way, they will be restricted from calling you at your home phone.

Posted: Thu Dec 08, 2005 3:18 pm Subject:

thankyou!!! hubby is snowed in up north and won't be home tonight, I'm going to get a pot of brew going and work on these letters tonight, to get them out tomorrow. =)

Posted: Thu Dec 08, 2005 3:44 pm Subject:

I will also like to have some. Very Happy

Posted: Thu Dec 08, 2005 3:52 pm Subject:

well, come on to Memphis and share a pot with me Very Happy

Posted: Thu Dec 08, 2005 3:57 pm Subject:

Right now, I prefer to have it online in the next post. Very Happy

Later, if I come to Memphis, I will inform you.

Posted: Mon Dec 12, 2005 11:17 pm Subject:

I haven't heard back from these people, just the one phone call, so I have no idea what this is about. But if I start right off with hitting them with a validation request,I may never know what its about. If my track record proves me right, I ask for validation and never hear back from them again. I am curious about what account they are holding.

But I guess if everything is legit, I will hear back from them, if not, it doesn't matter anyways, right.

shirley

Posted: Tue Dec 13, 2005 1:25 pm Subject:

As long as the company is not trying to tarnish your credit report further, you can sit back. But you need to take actions if they have reported negatively on your file. Check your latest credit file and see if the company has updated your accounts.

As you are not hearing from the company for a long time, a dispute with the CRA must give you positive results by this time.

Posted: Fri Jan 06, 2006 8:31 pm Subject:

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

Internet's first get-out-of-debt community - 135,000 members

Professional Credit Management, Inc???

Members Area

Free Debt Counseling

Ask the community

Also See

Featured Discussions

Featured Articles

Recent Forum Discussions

Recent Blog Post