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A/R management and debt collection company serving consumers, healthcare providers, and government entities since 1933, operating under a consumer-centric "New Deal" philosophy.
Data compiled from public sources
Professional Credit Services has operated since 1933 as an accounts receivable (A/R) management company primarily serving healthcare organizations, government entities, and financial institutions. The company positions itself as a debt collection and recovery service provider, offering solutions for consumers with outstanding balances across medical bills, utilities, court fines, auto loans, and other services.
The company operates two main service lines: Professional Credit Collections, which focuses on helping consumers resolve debt across various categories, and Ensource Early-Out Services, which provides account recovery for healthcare and government sector clients. Professional emphasizes a technology-driven approach combined with consumer-centric practices, which they brand as their "New Deal" methodology.
Professional differentiates itself through claimed commitment to consumer experience, positioning collection activities as "respectful, convenient, and compassionate." They emphasize investment in technology infrastructure, providing clients with account access, customizable reporting, call recording databases, and a dedicated Client Success team. The company claims to achieve better-than-industry-average results through their collaborative approach and continuous performance evaluation against industry benchmarks.
A critical caveat: While the website presents Professional as a consumer-focused debt relief company, the business model described—A/R management and collections services for institutional clients—indicates this is fundamentally a third-party debt collector. Consumers engaging with Professional should understand they are likely interacting with a collections agency contracted by creditors or institutions, not an independent debt relief or consolidation company acting on the consumer's behalf. Consolidating into a single installment loan with a fixed rate can reduce total interest. For those with damaged credit, credit repair companies can dispute inaccurate items with all three bureaus. Secured credit cards and credit builder loans offer structured paths to rebuilding credit scores over time.
While repairing your credit, a secured card can add payment-history context when it reports to the bureaus. Compare deposits, fees, bureau reporting, and any no-credit-check claims directly.
This is state-level context for Debt Relief consumers in Seattle, WA. It does not confirm that Professional Credit Services or this specific location is licensed.
State regulator
Washington Department of Financial Institutions
Consumer protection
Relevant law: Washington Credit Services Organization Act (Wash. Rev. Code § 19.134.010-19.134.900)
Registration: Not listed as required in the current CreditDoc state summary
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Professional Credit Services offers 12 services including Debt collection and account recovery services, Medical debt collection and management, Utility bill collection, Court fine and fee collection, Auto loan collection, and 7 more.
Professional Credit Services has profile signals associated with Consumers with unpaid medical bills or healthcare-related debt, Individuals with outstanding utility or government fines who want payment arrangement options, People contacted by this collector seeking to understand their options for resolution.
Key strengths: Operating since 1933 with established institutional relationships and longevity; Emphasis on consumer-centric approach to collections with stated commitment to respectful engagement; Technology infrastructure including call recordings, account dashboards, and customizable reporting for transparency. Areas to consider: Core business model is third-party debt collection, not independent debt relief acting on consumer behalf; Website content is primarily B2B-focused, with limited consumer-specific information or service details.
In the Debt Relief category, comparable providers include Accredited Debt Relief, American Profit Recovery, Americor. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Professional Credit Services is a third-party debt collector and A/R management company, not an independent debt relief firm. Consumers should understand that engaging with Professional means working with a collector representing a creditor or institution, not a company negotiating on the consumer's behalf. This is appropriate for consumers seeking to understand collection accounts or arrange payment, but not for those seeking independent debt settlement or consolidation services.
View this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Consumers with multiple high-interest debts seeking to consolidate into single monthly payments, Individuals overwhelmed by debt collection calls who want professional negotiation assistance
View this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Consumers who have received collection notices from APR and want to negotiate a settlement or payment plan, Individuals whose medical, dental, or professional service debts have been placed with APR for collection
View this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Consumers with $10,000+ in unsecured debt (credit cards, medical, personal loans) seeking negotiated settlements at 40-60% of original balances, Those who may not meet traditional debt-consolidation loan criteria and want to avoid bankruptcy
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A step-by-step guide to consolidating your debt on your own, without paying a debt consolidation company. Covers balance transfers, personal loans, the snowball method, and negotiating directly with creditors.
Read guide →A step-by-step 90-day plan to assess your finances, attack debt, dispute errors, and rebuild credit. Real timelines, specific actions, and legal protections you can use immediately.
Read guide →Learn how debt management plans reduce interest rates, negotiate with creditors, and help rebuild credit in 3–5 years. Real timelines and eligibility rules.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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