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Professional Debt Mediation, Inc. in Jacksonville, FL
Professional Debt Mediation is a collections agency specializing in past-due account recovery for multi-family housing and other industries since 1998.
Data compiled from public sources · Rating from CreditDoc methodology
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Professional Debt Mediation, Inc. Review
Professional Debt Mediation, Inc. (PDM) was founded in 1998 and initially built its reputation serving the multi-family housing industry as a collections firm. Over nearly two decades, the company has expanded to serve clients across multiple industries while maintaining its core focus on recovering past-due amounts.
The company is based in Jacksonville, Florida, and holds NLMS ID #903771. PDM operates as a debt collection and recovery service rather than a debt settlement or consolidation firm. The company positions itself around a "Seven Steps to Collections" methodology that they claim translates across various industry verticals.
Their stated approach emphasizes treating consumers with respect and maintaining compliance with consumer-friendly practices, supported by extensive staff training and a strict code of ethics. The company differentiates itself through claims of above-average recovery rates—specifically advertising a 24% higher collection rate than the national average for multi-family clients. They maintain numerous professional affiliations primarily within apartment and housing associations across multiple states (Florida, Georgia, Texas, and South Carolina regions).
Client testimonials highlight consistent results and long-term relationships with their service users. Consumers who appear on PDM's contact list are typically debtors with past-due accounts, not clients seeking help with their debt. This distinction is critical: PDM represents creditors collecting debts, not consumers managing debt.
While they claim consumer-friendly and ethical practices, consumers should understand this is fundamentally a collections operation.
Services & Features
Collections compliance and consumer-friendly practices management
Commercial and industrial debt recovery
Multi-family housing debt collection
Past-due account recovery and collection services
Professional collection services with above-average recovery focus
Recovery services across multiple industry verticals
Seven-step collections methodology application
Staff training for ethical collections practices
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Founded in 1998 with nearly two decades of operational history and industry presence
- Claims 24% higher collection rates than national average for multi-family industry clients
- Extensive professional affiliations with major apartment and housing associations across multiple states
- States commitment to ethical practices and consumer-friendly compliance with staff training programs
- Serves diverse industries beyond multi-family housing using same methodology
- Long-term client relationships documented (client testimonial references 2009 engagement)
Cons
- Primary function is third-party debt collection on behalf of creditors, not consumer debt relief or negotiation
- Limited public transparency about actual fee structures, success rates, or detailed service methodologies
- Website content heavily marketing-focused with minimal specific information about consumer rights or dispute processes
- No independent verification of claimed recovery rate advantages or ethical compliance standards
- Consumers contacting this company are typically being pursued for past-due debts, not seeking voluntary assistance
Rating Breakdown
Value 5.0
Effectiveness 3.0
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
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Frequently Asked Questions
Is Professional Debt Mediation, Inc. legitimate?
Yes. Professional Debt Mediation, Inc. is a registered company, headquartered in 4161 Carmichael Ave, Jacksonville, FL 32207.
Quick Facts
- Headquarters
- 4161 Carmichael Ave, Jacksonville, FL 32207
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Free Consultation
- Yes
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Professional Debt Mediation, Inc.
Professional Debt Mediation is a B2B collections agency that works for creditors to recover past-due accounts, not a consumer-facing debt relief service. Consumers should understand that contact from PDM typically indicates they are being pursued for unpaid debts by a creditor. This company is not appropriate for consumers seeking voluntary debt settlement, consolidation, or negotiation assistance.
Best For
- Property management companies and multi-family housing operators with past-due resident accounts
- Creditors and businesses across various industries seeking professional debt recovery services
- Organizations needing third-party collections support while maintaining ethical compliance standards
Updated 2026-04-29
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Read guide →Financial Terms Explained (14 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
How Loans Work
Default — Loan Default
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.
Why it matters
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).
Legal Terms
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters
The CFPB is your most powerful ally against predatory 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.
FDCPA — Fair Debt Collection Practices Act
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 must stop contacting you if you request in writing.
Why it matters
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can 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.
Garnishment — Wage Garnishment
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 wins a judgment.
Why it matters
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.
Statute of Limitations — Statute of Limitations (Debt)
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.
Why it matters
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.
Debt & Recovery
Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)
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.
Why it matters
Chapter 13 is better 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.
Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)
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.
Why it matters
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 must 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.
Charge-Off
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.
Why it matters
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).
Collections — Debt Collections
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.
Why it matters
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.
Debt Consolidation
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.
Why it matters
Consolidation works best 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.
Debt Settlement — Debt Settlement / Negotiation
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.
Why it matters
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.
DTI Ratio — Debt-to-Income Ratio
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Why it matters
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.
Judgment — Court Judgment (Debt)
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.
Why it matters
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 wins 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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