Professional Account Management LLC or PAM 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 Professional Account Management?
Professional Account Management LLC or PAM is a third-party collection agency based in Wisconsin. PAM has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed.If you have been contacted by Professional Account Management, make sure you understand your rights before taking action.
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Is Professional Account Management a scam?
They’re legit. According to the BBB, Professional Account Management, LLC was founded and incorporated in 1999. The BBB indicates they had established a profile page for PAM five years earlier, in 1994. PAM is listed as a collection agency that uses the alternate business name, Duncan Solutions, Inc. Buzzfile estimates PAM’s annual revenue at $5 million and the size of its headquarters staff at 75 employees.
Who does Professional Account Management collect for?
According to the website for Duncan Solutions (DS), Professional Account Management is owned by a company that provides payment solutions for parking vendors. DS offers on-street parking services operations; registration retrieval services that work in conjunction with departments of motor vehicles; tolling solutions for bridges and tollways; and processing and collections services.
Duncan Solutions collections services “unlock the cash flow from backlogged citations by giving citizens the information and tools they need to fulfill their obligation.” Collection services include “multi-tiered skip trace waterfall, custom collection notices, inbound and outbound call management, and web and IVR payment options.”
In addition, Duncan Solutions offers “revenue optimization” to deliver “increased client revenues compared to… competitors”; exceptional customer service using “responsive and ethical services fully operating within the framework of the Fair Debt Collection Protection Act (FDCPA)”; and “rapid and seamless transition” using a “proven implementation methodology.”
Neither site provides any information about its compliance policies or links or references to consumer protection resources, laws, or enforcement 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 Professional Account Management – PAM?
The BBB has closed 169 complaints against Professional Account Management in the past three years, with 97 complaints closed in the past 12 months. Most of those complaints alleged problems with billing and collections. PAM has also received 22 negative reviews. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 78 complaints against PAM.Justia lists at least 5 cases of civil litigation involving PAM.
Professional Account Management, LLC 633 W Wisconsin Ave., Suite 1600 Milwaukee, WI 53203-1920 Telephone: (888) 993-8622 Website: http://www.duncansolutions.com/
Can Professional Account Management 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 PAM 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!
Complaints against Professional Account Management commonly cite problems resulting from inaccurate or invalid citations issued as a result of automated toll stations. In February 2018, a complainant indicated he had received a notice for $214.50 due for tolls acquired in Illinois. The complainant contacted the number on the notice and was told the date of the violation was September 25, 2017, but the complainant indicated he resides in Georgia and was home recovering from surgery at that time. Subsequently, he was notified that there were two additional toll charges—one from 2016 and another from September 2017. The complainant indicated the charges were the result of unfair practices because the dates were erroneous and the charges of almost $215.00 were far too high for three tools that were originally only $5.00 each. In addition, the complainant indicated he had not received any prior notices, and when he contacted the state, they had not confirmed any outstanding balances. The complainant stated that he refused to pay a charge of over 100 times the original cost of the fees; that PAM’s practices were horrible; that their claims were false; and that the representatives were “rude and speak over you and don’t listen.”
In response, Professional Account Management indicated that the Illinois Tollway sends accounts to PAM, and in the complainant’s case, the final of the three notices was the violation that occurred on September 25. As for the other violations, PAM indicated the first notice was mailed in August 2017 to the address registered with the Department of Motor Vehicles to the Georgia license plate of record. PAM also indicated the fee was raised to $215.00 as a result of $50.00 penalties that were attached “per violation, per IL Administrative Code TITLE 92 CHAPTER IV: PART 2520, SECTION 2520.750.” PAM indicated they do not have the “ability or authority to reduce or dismiss any violations placed with them by the IL Tollway.” Their response also invited the complainant to “reach out to the IL Tollway via any of the methods on the attached notices… to contest the amounts due further.” Finally, Professional Account Management indicated they had “placed a cease communication on…the account here at PAM so no further calls or letters will be mailed…regarding the above mentioned violations.”
Professional Account Management 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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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.
Want to Stop Professional Account Management PAM Debt Collection Harassment Now?
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.