Professional Credit Management, Inc.: Who They Are and Your Rights

Type

Collection agency

Also known as

PCM; Pro Credit

Headquarters

Jonesboro, AR

Collects

hospital and medical bills, utility bills, financial institution accounts, municipal accounts, veterinary and retail balances

Phone numbers it lists

(800) 999-3780, (870) 932-7030

Website

pro-credit.com

105 debt collection complaints were sent to the Consumer Financial Protection Bureau about Professional Credit Management, Inc from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Professional Credit Management, Inc.?

Professional Credit Management, Inc., also known as PCM or Pro Credit, calls itself an accounts receivable management company providing "receivable billing and recovery services." Its website says PCM began serving clients in Jonesboro, Arkansas in March 1980. Its Better Business Bureau profile lists a March 24, 1980 incorporation date, a mailing address of P.O. Box 4037, Jonesboro, AR 72403, and Mark Rowland as general manager.

PCM says it is licensed, bonded and insured and serves clients in Arkansas, Missouri, Tennessee, Mississippi, Louisiana, Oklahoma and Texas. Texas Secretary of State records show an active Texas debt collector bond for Professional Credit Management Inc. at 500 W. Washington, Jonesboro, filed in December 2008. Other companies use similar names, so check that the Jonesboro address appears on your letter.

Why PCM May Be Contacting You

PCM's website is built around hospitals and health care providers, and its testimonials come from hospital patient-accounts and business-office staff. Its "Who is PCM?" page also lists financial institutions, utility companies, municipalities, service companies, commercial manufacturers, veterinarians and retailers as clients. If you live in Arkansas or a neighboring state, a PCM letter is most likely about a hospital or clinic bill. It could also be a final utility bill, a city account, or a loan from a local lender.

How to Check a Debt PCM Says You Owe

For hospital accounts, the bill itself is often where the problems are:

• Start with the validation notice. 15 U.S.C. § 1692g and Regulation F (12 C.F.R. § 1006.34) require PCM to name the provider or other creditor, itemize the balance, and give a dispute deadline (what to expect).
• Ask the hospital for an itemized statement and compare it with your insurer's explanation of benefits. For a Texas provider, a licensed facility generally can't pursue collection until it sends one (S.B. 490). Also ask whether you qualified for the hospital's financial assistance.
• For a utility or city account, check your final meter reading and whether your deposit was credited.
• Dispute in writing within the validation period if the bill is wrong, and ask who owns the account now. Our dispute guide shows how.
• Note the age of the debt. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Arkansas, Tennessee and other states have their own periods.

What PCM Can and Can't Do

PCM collects debts owed to its clients, so it is a "debt collector" under 15 U.S.C. § 1692a(6). Under the FDCPA and Regulation F:

• It can't report a medical debt it knows is disputed without noting the dispute. Under the credit bureaus' medical-debt policies, paid medical collections and those under $500 shouldn't appear at all.
• It can't call more than seven times in seven days about a single account (12 C.F.R. § 1006.14(b)(2)).
• It can't discuss your hospital bill with your employer or family, except to find your contact information.
• It can't threaten action, such as a lawsuit, that it can't legally take or doesn't intend to take.

We did not find a CFPB enforcement action against Professional Credit Management, Inc. If you have a problem with how PCM handled your account, our FDCPA attorneys can help.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Professional Credit Management, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Professional Credit Management: home page
• Professional Credit Management: Who is PCM?
• BBB business profile: Professional Credit Management, Inc. (Jonesboro, AR), facts only
• Texas Secretary of State debt collector bond search (Professional Credit Management Inc., file 20080271)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Professional Credit Management, Inc, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Professional Credit Management, Inc. has violated any law. Company details change; tell us if something here is out of date.