PMAB LLC is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is PMAB LLC?
PMAB, LLC is a division of MedA/RX, a Business Processing Outsourcing (BPO) company serving the pharmaceuticals industry. this agency provides third-party collection services for healthcare providers. PMAB has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to provide verification of debts. If you have been contacted by PMAB, LLC, understand your rights before responding.
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Is PMAB a scam?
They’re legit. According to the Better Business Bureau (BBB), MedA Pharmaceuticals, Inc. was founded in 1988 and incorporated in 2003. The BBB opened its file in 1995. Headquartered in Charlotte, NC, MedA is listed as a collection systems company and uses the alternate business names, PMAB, LLC; MedA/Rx; Mylan Pharmaceuticals; Wallace Pharmaceuticals, Inc.; and Meda Consumer Healthcare, Inc. Buzzfile estimates its annual revenue at $10 million and the size of its staff at 85 people.
According to its website, MedA/Rx provides “a new way to think about revenue cycle management for the healthcare financial professional.” MedA/Rx is an Accounts Receivables Management (ARM) and Business Process Outsourcing (BPO) company that cites as its strength its dedication to assisting healthcare providers “take a holistic approach to [their] revenue cycle…to…deliver superior results for your bottom line.”
Who does PMAB collect for?
PMAB, LLC collects on behalf of healthcare providers. MedA/Rx, its parent company, provides services in four areas: extended business office; consulting; data analytics; and collections. Extended business office services are provided through their division known as MedEBO; consulting services are provided through MBOC; data analytics are provided through Medspan Technologies; and third-party collections are provided through PMAB, LLC.
PMAB, LLC “is committed to protecting the public image and reputation of [their] clients while striving to maintain the highest performance rating based on [their] clients’ requirements and expectations.” Their collection staff “adheres to the standards and ethics of the American Collectors Association and the Fair Debt Collections Practices Act [FDCPA].” In addition, PMAB “has been approved as a Certified Agency through the ACA International Agency Certification Program.”
The MedA/Rx website is entirely client-facing and does not provide any consumer resources. There is a link to a patient portal that allows site visitors to make payments. The portal page provides the minimum required notification that PMAB is a debt collector, but does not offer any additional information about the rights and responsibilities of consumers or collection agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against PMAB?
The BBB has closed 73 consumer complaints against Meda Pharmaceuticals, Inc. in the past three years, with 17 closed in the past 12 months. Most of these complaints allege problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 44 complaints against this agency. Justia lists at least 4 cases of civil litigation identifying PMAB, LLC as the defendant.
4135 South Stream Blvd., Suite 400
Charlotte NC 28217
Can PMAB Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely PMAB would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against PMAB LLC?
Absolutely. Here are some Sample Cases filed in Federal Court
In April 2012, in United States District Court, Western District of North Carolina, Charlotte Division, a judge issued an Order in a case alleging PMAB had violated certain provisions of the FDCPA. The plaintiff alleged that PMAB representatives had violated three specific FDCPA provisions: 1692c(c), 1692d, and 1692d(5). The first provision states that if “a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.” The second and third provisions state that a “debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt,” specifically by “[c]ausing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.” During the April 2012 hearing, PMAB conceded that the plaintiff should be allowed to “bring her action under the second and third sections that PMAB’s collection efforts were abusive, but challenged her standing to pursue a violation of Section 1692c(c).” PMAB argued that because Section 1692a(3) defines a consumer as “any natural person obligated or allegedly obligated to pay any debt,” the plaintiff should not be allowed to bring charges under this section “because [PMAB] never alleged that she was obligated to pay the debt,” and therefore she did not fit the definition of a consumer according to Section 1692a(3). The court cited case law to support arguments both supporting and opposing PMAB’s position on this count, ultimately supporting PMAB’s position that “[n]on-consumers lack standing to bring suit against a debt collector under [Section] 1692c(c).” The case was remanded to jury trial to determine two questions with regard to the remaining charges: “Did the Defendant violate the FDCPA? If so, was[PMAB’s] violation(s) of the FDCPA [on these counts] the result of a good faith error?”
PMAB Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Can I sue PMAB for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Stop Debt Collection Harassment
You may have a case, if…
- You are receiving multiple calls per week from third party collection agencies.
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your family, friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
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“Thank you, thank you, thank you! I couldn’t be happier with all the hard work your office has done for me. I feel throughout the whole process I was kept informed, and my questions were always answered completely. The calls have stopped, I no longer have a mountain of junk bills piling up, and I owe it all to Lemberg Law.”
“I found your website. I filled out the information and much to my surprise received a call back within the hour. She listened intently and addressed each one of my concerns. She immediately forwarded me an email and advised I would not be charged for services rendered. She made me feel confident and assured, and that someone was in my corner.”
Can You Help Me Delete PMAB LLC from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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