Progressive Management Systems: Who They Are and Your Rights

Type

Collection agency

Also known as

R.M. Galicia, Inc.; PMS Collects; PMS

Headquarters

West Covina, CA

Phone numbers it lists

(800) 640-9211, (800) 258-7482

Website

pmscollects.com

143 debt collection complaints were sent to the Consumer Financial Protection Bureau about R.M. Galicia, 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 Progressive Management Systems?

Progressive Management Systems is the trade name consumers see on letters and its website, pmscollects.com. The Better Business Bureau lists R.M. Galicia, Inc. as an alternate name for the business, which is how it appears in the CFPB complaint database. The BBB shows it as a corporation that started in 1978.

Its corporate office is at 1521 West Cameron Avenue in West Covina, California, in the San Gabriel Valley. It also lists a Nevada operations office at 6275 McLeod Drive in Las Vegas. The company describes itself as employee-owned and bilingual, says it is licensed in every state that requires a license, and lists Nevada collection agency NMLS number 934272. For consumer inquiries its website gives (800) 640-9211; its main line is (800) 258-7482. Phones are answered weekdays from 8 a.m. to 5 p.m., and the office is not open to walk-in visitors.

We did not find a CFPB enforcement action against Progressive Management Systems or R.M. Galicia, Inc.

Why Progressive Management Systems May Be Contacting You

PMS is a third-party agency: it collects accounts that creditors place with it. Its website does not list its clients or the types of accounts it handles, so we have not described any. The creditor's name on your letter is what tells you which account this is. Because PMS operates in both English and Spanish, you can ask to receive communications in the language you prefer.

If you see "R.M. Galicia" on a bank statement, a complaint record or a court filing, it refers to the same company.

How to Check a Debt Progressive Management Systems Says You Owe

• Ask for the validation notice if you haven't received one. It must identify the creditor, the account number and an itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Regulation F also allows collectors to send a Spanish-language version, and you can ask for one.
• Dispute in writing within the validation period if the creditor is unfamiliar, the account isn't yours, or the balance is too high. PMS must stop collecting until it sends verification.
• Find out who owns the account now. Ask whether the original creditor still owns it or whether it was sold.
• Match the numbers. Compare the itemization to your last statement or receipt from the creditor.
• Check the timeline. In Texas, a consumer-debt suit generally must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). California and other states have different deadlines.

What Progressive Management Systems Can and Can't Do

As an agency collecting debts owed to others, PMS is a "debt collector" under 15 U.S.C. § 1692a(6), and in California it must also follow the Rosenthal Act. Among the rules:

• It must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
• It may not call before 8 a.m. or after 9 p.m. local time (15 U.S.C. § 1692c(a)(1)).
• It may not exceed the presumptive limit of seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
• It must stop most communication once you tell it in writing to stop or that you refuse to pay (15 U.S.C. § 1692c(c)).

See can I tell a debt collector to stop calling? or contact our FDCPA attorneys.

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 Progressive Management Systems 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

• Progressive Management Systems: home page
• BBB business profile: Progressive Management Systems (alternate name R.M. Galicia, Inc.; facts only)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: R.M. Galicia, Inc., debt collection

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