Professional Credit Management, Inc???

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! :) 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

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. =)

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.

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

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

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

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

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.

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. =)

I will also like to have some. :D

well, come on to Memphis and share a pot with me :D

Right now, I prefer to have it online in the next post. :D Later, if I come to Memphis, I will inform you.

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

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.

Quote:

Also-is there SOL with medical bills?
I just noticed that this was feb 20th of 1999.
All the dates on their invoice paper says 1999 then they have 'billing agreements-01'-'billing agreements-02' then 'bad debt write off 02.

so what are these 'billing agreements'?? I haven't spoken with these people before. Is this their way of re-aging the debt? I have never paid a penny on this debt. our insurance paid almost the whole thing, and that was in 1999. They're not on our credit report and I haven't heard anything from them until now. At least not that I know of. thanks, shirley

Remember, collectors can't issue legal papers to you. Court is set to do that. Collectors try to give the papers utmost legal importance but they cant do anything more than that. If any legal action intends to be taken against you, court will send you the papers and you will have to appear in front of them. Medical debts also have statutes as per the state laws.

Talk to a local lawyer who can resolve these matters. Some states have special provisions for medical bills.

Okay-- I live in Tennessee, does anyone know what the SOL is for medical bills? I live in Tennessee but bill was made in Arkansas. don't know if this makes a difference or not. seems that time has ran out if we're talking the 'norm' of SOL time frames. But it also appears that maybe they've tried renewing. Please check original post on the situation. thanks shirley

The statute of limitations on medical bills like any other unsecured debt is 6 years in Tennessee.

[quote=Shirley]our insurance paid almost the whole thing, and that was in 1999[/quote]

SOL of Medical debts in Arkansas: 2 years from date services were performed or provided or from the date of the most recent partial payment for the services, whichever is later. Since the account was open in Arkansas, the SOL of this state will be calcultated.

Consult your lawyer and seek some legal help.

Quote:

Hi Shirley

The statutes of limitations are the same for secured as well as unsecured debts. But in case of secured debts, since your property is attached to it, the creditors retain the rights to decide the state where they want to sue a person. It can always be expected that they will choose only that state which has the longest statute of limitations and get the greatest results of filing the lawsuit in their favor.

thanks Roxette, was wondering because of the one wells fargo account, which I'm sure that you're all too familiar with, (I just just reposted the situation a few days ago to get the collectors input on it) is secured. we have three accounts with wells fargo, one, I've been paying directly to them which is below $60 left on it now, the other I'm pay through a collection agency. It was a visa card...and this one that no one seems to want to talk to me about (referring to CA and wells fargo). Its $2000 and was done several years ago. In fact, no longer have the personal property that was attached to loan. A big screen tv that went out, a riding lawnmower that blew up.

thanks, shirley

I know how you feel about Wells Fargo. We have our home financed through them and they are as crooked as possible. When we hit our financial problem in July, I called them explained the situation and they told me that was my problem. If we can't make the payment, they will foreclose. keep in mind we were never late on one house payment til July 2005. We hired an attorney and Wells Fargo backed off and worked with us. From what i have read, Wells Fargo is crooked and will stab you in the back without you being aware of what they have done. I challanged their entry on our credit report because they reported us delinquent for July and August. i notified all bureaus of the problem and included copies of the police report and FBI report and they have changed the status from delinquent to current never late. If we knew how Wells fargo worked when we loaned through them, we would have went somewhere else for our home loan.

Are you not in a situation to where you could refinance with someone else? The reason I ask, is because we originally had our home loan with chase manhattan, then heard about Aames Home loans. We found out that for half the time it would have took to pay this loan off with Chase, we could do it with Aames and for lower monthly payments. So we jumped right on it. we don't regret it. I know how wells fargo is with personal loans, I couldn't imagine having my house note with them. But I know how it is. I have a loan with Citi financial, and boy was it the biggest mistake we ever made. shirley

We have a prepayment penalty til August 2006. Can't get an apprasial high enough to cover the prepayment penalty. We have found out that Wells Fargo padded the apprasial. Any apprasial we have had done, the home only apprases for $80,000. There apprasial is the only one that apprasied for $87,000. After August, we've been told that we can refinace once the penalty is gone. Only 8 months more of Wells Fargo I hope.

mom of twins, didn't you say that you've been disputing things on your credit report with the credit bureaus? or maybe I am confused. was wondering if you had to purchase credit reports before they would investigate your disputes?? thanks, shirley

got 2 free reports from the 3 bureaus do to the identity theft.

I have delt with PCM many times over the years. Doctor offices in this area are really bad about turning collections over to PCM before they ever let you know the insurence hasn't paid. They are usually very nice when you speak to them. However, they will garnish your check in a heart beat if you don't pay. In Arkansas they are allowed to take 25% until the debt is paid. I have had my check garnished before with NO notification that it waas going to happen. They claimed to have sent something in the mail, but I never recieved it. No I just peridically call to make sure mine or my husbands names haven't come up again. I wouldn't just sit back and wait to see what they'll do.

they are a collection agency

No collector can garnish anyone without court action except for government obligations.

I am concerned because i have been served more papers about medical bills I had asumed that this matter was reso lved in court on 4/8/2008.Could you let me know why it is necessary for another court day? thank you drlsa watson this is my mothers email [email]l.anderson27@yahoo.com[/email]

Welcome to the forum Delsa.
If you could give us some more details on your situation we may be able to help you get to the bottom of this.

i went to northwest medical back in 03, they never filed with the insurance and it was reported to PC. they sent us letters, however i figured the insurance would take care of it, we went to buy a house a few weeks ago and we got our credit report, guess who showed up, anyway, i called them and they notified me that yes it was still with them, but no one has made contact with us since 04. we owed them 196.00, it is too late to go to the insurance company, they won't pay because it was so long ago. so we paid them, they were supposed to process the check today 08/07/08 as i got paid today, well , they processed it yesterday, putting our account in the negative. i called them and they did say they would return the 17.43 charge that my bank charges for all overdrafts. my question, how does that effect us buying a house when they pull that info it is going to show that we overdrafted within the last month, grr

professional credit management,inc.is a name hiding the fact that this is a collection agency,that works for the devil! They will use the law to garnish your wages,put liens on your property,literally taking the food out of your families mouth,they smile,and seem friendly as they are putting the knife in your back.I suggest everyone fight them with a lawyer-have the lawyer find out who the debt was with,and go pay that company you originally owed.They may be friendly on the outside,but,they are ice cold on the inside.They need to be put out of business,avoid them like the plague,tell everyone you know-warn them!!! My husband did.

This company will hold on to small bills that you have forgotten about and sue you in court for additional charges such as attorneys' fee and court cost. If they sue you for a $50 doctor's bill, in the end, you will be paying $240. There is nothing you can do about it either. It's unethical. Marshall & Owens P.A. law firm out of Arkansas represents this collection agency. Also, if you pay anything on a bill and skip a month, they got you!!! This is how the lawyers and this collection agency make their money. It's not right at all but it's legal. So, call these crooks and make payment arrangement; keep the arrangements and pay each and every month. If you fail to pay a month, you will receive a certified letter, to let you know you have been sued for the balance of $50; plus $120 attorney's fee, and $70 court cost or whatever they beat honest, struggling people out of. They are crooks for real; hiding behind a law firm that is crooked also.

I have an old bill (debt) with Professional Credit Management. I contacted them in Dec of 2009 and we set up a payment plan. They were wonderful! The young lady I deal with is ALWAYS polite, and will call you back if you have to leave a message. It feels good to deal with people who are caring and understanding. HATS OFF TO THEM!

It's good to note that you had a good experience while working with Professional Credit Management. Thanks for sharing your experience :-)