Professional Debt Mediation, Inc., which does business as PDM, is a Florida collection agency based in Jacksonville. If it contacts you, it is trying to collect a balance that a business placed with it.
- Type
- Collection agency
- Also known as
- Professional Debt Mediation, Inc.; PDM; PDM, Inc.
- Headquarters
- Jacksonville, FL
851 debt collection complaints were sent to the Consumer Financial Protection Bureau about Professional Debt Mediation, 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 Debt Mediation?
Professional Debt Mediation, Inc. (often shortened to PDM) is a Florida corporation that works as a consumer collection agency. Connecticut banking regulators identified it in 2023 as having an office at 8657 Baypine Road in Jacksonville, Florida, and listed its NMLS number as 903771. The company's BBB business profile gives a start date of 1998 and an incorporation date in late 1997. A 2023 Connecticut order was signed on the company's behalf by its president and CEO.
Two points are worth knowing before you respond. First, the BBB profile now says the business is believed to be out of business. Second, the domain a vendor listing gives for PDM (pdminc.net) now forwards to the website of a different collection agency. We could not confirm from a primary source whether PDM's accounts were sold, transferred or merged, so if you receive anything in PDM's name, ask in writing who holds the account today.
Why Professional Debt Mediation May Be Contacting You
A listing on Revyse, a marketplace for apartment-industry vendors, describes PDM as providing debt mediation services for the multifamily industry. If that matches your situation, a PDM letter or call most likely concerns a balance a former apartment community says you left behind: unpaid rent, a lease-break fee, or charges for cleaning or damage after move-out. We did not find a client list on an official company page, so treat that as the likely, not the certain, source of the account.
How to Check a Debt Professional Debt Mediation Says You Owe
Move-out balances are often built from a single ledger prepared by the landlord, so the details matter.
- Get the validation notice. A collector must send a notice naming the creditor, itemizing the balance and giving you a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before the deadline. Ask for the signed lease, the final account statement, the move-out inspection and photos, and the security-deposit accounting. A timely written dispute requires the collector to stop collecting until it verifies.
- Confirm who owns the account now. Given the questions about PDM's current status, ask whether the apartment owner still owns the balance, whether it was sold, and who is authorized to accept payment.
- Compare the numbers. Check the claimed rent against your lease and your payment history, and make sure your deposit was credited.
- Check the age of the debt. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have their own limitation periods.
What Professional Debt Mediation Can and Can't Do
A company whose principal business is collecting debts, or that regularly collects debts owed to others, is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). That includes an agency collecting apartment balances for landlords.
- It may not add fees, interest or charges that your lease does not authorize (15 U.S.C. § 1692f(1)).
- It may not report a balance to a credit bureau as undisputed after you have disputed it (15 U.S.C. § 1692e(8)).
- Calls are presumed excessive above seven in seven days about one debt (12 C.F.R. § 1006.14(b)(2)); see our Regulation F update.
- It may not discuss the debt with your new landlord, neighbors or employer, except to locate you within narrow limits.
Connecticut's banking regulator entered consent orders with PDM in 2018 and 2023 over collection activity in that state without a current license; both are listed below. We did not find a CFPB enforcement action against Professional Debt Mediation. If a PDM contact raised concerns, our Texas FDCPA attorneys page explains how we review these cases.
Government Actions on the Public Record
- Connecticut Department of Banking consent order (alleged consumer collection activity in Connecticut after its license expired; $15,000 civil penalty and $400 back fees; no admission or denial) (2023-07-24)
- Connecticut Department of Banking consent order (alleged consumer collection activity in Connecticut without a license; $10,000 civil penalty and $400 back fees) (2018-10-31)
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 Debt Mediation 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
- Connecticut Department of Banking: PDM consent order (2023)
- Connecticut Department of Banking: PDM consent order (2018)
- BBB business profile: Professional Debt Mediation, Inc.
- Revyse vendor listing: Professional Debt Mediation
- CFPB Consumer Complaint Database: Professional Debt Mediation, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Professional Debt Mediation has violated any law. Company details change; tell us if something here is out of date.