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How to Remove Professional Debt Mediation from Your Credit Report

Last updated 07/09/2024 by

Silas Bamigbola

Edited by

Fact checked by

Dealing with debt collectors like Professional Debt Mediation can be stressful and frustrating. If you have ever been late or defaulted on a bill, you may find Professional Debt Mediation appearing on your credit report as the assigned agency to recover the debt. This comprehensive guide will help you navigate the process of removing it from your credit report. It covers the impact of this debt collection agency on your credit score, methods for disputing and removing the account, your legal rights, negotiation strategies, and steps to protect your financial health.

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Understanding Professional Debt Mediation

Professional Debt Mediation is a debt collection agency that reports collection accounts on your credit report. They either purchase debts from original creditors for a fraction of the original amount or are hired to collect debts on behalf of other companies. They may communicate with you via mail or phone calls, demanding payment. Unfortunately, having a collection account on your credit report can significantly hurt your credit score and reduce your chances of being approved for loans or other financial products.

Does Professional Debt Mediation hurt your credit score?

Any derogatory mark on your credit report, including a collections account, can severely impact your credit score. These marks can stay on your report for up to seven years, affecting your financial opportunities. Therefore, it is crucial to address any collections account promptly to mitigate its impact on your credit.

Steps to remove Professional Debt Mediation from your credit report

Verify the debt

Before taking any action, ensure that the debt belongs to you and that the amount is accurate. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a debt validation letter from Professional Debt Mediation. This letter should include details about the debt, such as the original creditor, the amount owed, and any relevant account information.

Dispute inaccurate information

If you find any inaccuracies in the debt validation letter or your credit report, you can dispute the information with the credit bureaus. The Fair Credit Reporting Act (FCRA) gives you the right to challenge any incorrect or unverifiable information on your credit report. Submit a dispute to the credit bureaus (Experian, Equifax, and TransUnion) with supporting documentation to prove the errors.

Negotiate a pay-for-delete agreement

A pay-for-delete agreement involves negotiating with Professional Debt Mediation to remove the collections account from your credit report in exchange for payment. While not all debt collectors agree to this, it is worth attempting. Ensure you get the agreement in writing before making any payments.

Seek professional help

If you are struggling to manage the dispute process or negotiate with Professional Debt Mediation, consider seeking help from a credit repair company. These professionals can analyze your credit report, identify errors, and negotiate with creditors on your behalf.

Pro tip

Dispute any inaccuracies in writing and send your dispute to the credit bureaus via certified mail to ensure it is tracked and received.

Your rights when dealing with Professional Debt Mediation

You have the right to dispute any debt that Professional Debt Mediation is trying to collect. They are governed by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which provide a great deal of power to you if you know how to use it. Here are some of your key rights:
  • Protection from harassment: Debt collectors are prohibited from engaging in harassing behavior, such as repeatedly calling you, using obscene language, or making threats of violence.
  • Verification of debts: If you dispute a debt, the debt collector must provide verification of the debt, including the amount owed and the name of the original creditor. You have the right to request this information in writing within 30 days of receiving the initial communication from the debt collector.
  • Cease and desist: You can request that the debt collector stop contacting you about the debt. Once you make this request in writing, they are legally required to cease communication, except to inform you of specific actions they may take, such as filing a lawsuit.
  • Accuracy in reporting: Debt collectors must accurately report information about the debt to credit reporting agencies. If you believe there is inaccurate information on your credit report, you have the right to dispute it.
  • Legal recourse: If a debt collector violates the FDCPA, you have the right to take legal action against them. You can file a complaint with the Consumer Financial Protection Bureau (CFPB) or pursue a lawsuit in state or federal court.

Request all correspondence in writing

Ensure a documented record of communications with Professional Debt Mediation by requesting written correspondence. Contact Professional Debt Mediation at the following address:
Professional Debt Mediation contact information:
8657 Baypine Rd, Suite 201, Jacksonville, FL 32256
+1 888-676-9873 or (904) 398-0080

How to file a complaint against Professional Debt Mediation

Filing a complaint with the Consumer Financial Protection Bureau (CFPB)

If you believe Professional Debt Mediation has violated your rights under the FDCPA or FCRA, you can file a complaint with the CFPB. You can do this online here or by calling 1-855-411-2372.

Filing a complaint with your state’s Attorney General

You can also file a complaint with your state’s Attorney General’s office. Contact information for your state’s Attorney General can typically be found on their official website. To find your specific state regulator, check here.

Filing a complaint with the Federal Trade Commission (FTC)

The FTC also handles complaints about unfair debt collection practices. You can file a complaint online here.

Tips for handling calls from Professional Debt Mediation

When dealing with calls from Professional Debt Mediation, it is important to stay calm and professional. Keep detailed records of each call, including the date, time, and the name of the representative you spoke with. This information can be valuable if you need to file a complaint or dispute the debt.

Understanding the statute of limitations on debt

The statute of limitations on debt varies by state and dictates how long a debt collector has to sue you for unpaid debts. Knowing your state’s statute of limitations can help you understand your rights and whether the debt is still legally enforceable.

When to seek legal advice

If you are overwhelmed by the debt collection process or believe that Professional Debt Mediation is violating your rights, it may be beneficial to seek legal advice. A consumer protection attorney can provide guidance on your situation and help you navigate the complexities of debt collection laws.


Dealing with Professional Debt Mediation and other debt collectors can be challenging, but understanding your rights and the steps you can take to remove negative marks from your credit report is crucial. By verifying the debt, disputing inaccuracies, and considering options like pay-for-delete agreements, you can work towards improving your credit score. If you need help, don’t hesitate to reach out to credit repair professionals who can guide you through the process and help you achieve a positive resolution.

Frequently asked questions

How long does a collection account stay on my credit report?

A collection account can remain on your credit report for up to seven years from the date of the first delinquency.

Can paying off a collection account improve my credit score?

Paying off a collection account may improve your credit score slightly, but the negative mark will still remain on your report for up to seven years. Negotiating a pay-for-delete agreement can be more beneficial if you can get the debt collector to agree.

What should I do if Professional Debt Mediation violates my rights?

If you believe that Professional Debt Mediation has violated your rights under the FDCPA or FCRA, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or seek legal advice to explore your options for recourse.

Can I remove a collection account by disputing it?

Yes, if the information on the collection account is inaccurate, unverifiable, or fraudulent, you can dispute it with the credit bureaus to have it removed from your credit report.

How can I prevent future collection accounts on my credit report?

To prevent future collection accounts, manage your debts responsibly, make timely payments, and monitor your credit report regularly for any inaccuracies or signs of identity theft.

Key takeaways

  • Professional Debt Mediation is a legitimate debt collection agency that can significantly impact your credit score.
  • You have the right to request debt validation and dispute any inaccuracies in your credit report.
  • Negotiating a pay-for-delete agreement can potentially remove the negative mark from your credit report.
  • Seek professional help if you need assistance managing disputes or negotiating with debt collectors.
  • Understanding your rights under the FDCPA and FCRA can help you protect yourself from unfair collection practices.

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