How to Beat PMAB LLC in a Debt Lawsuit

January 3, 2024

How to Beat PMAB LLC in a Debt Lawsuit

PMAB LLC is a third-party debt collection agency that specializes in medical debt collection. ZumaZip.com helps you WIN against PMAB LLC Collections

If you’ve received threatening and harassing phone calls and letters from a debt collection company like PMAB LLC, you may be feeling overwhelmed and scared. This is perfectly understandable, but we want to assure you there is a proverbial light at the end of the tunnel. You have legal rights, especially when you are contacted by a debt collection company. In addition, there are specific affirmative defenses you can utilize to potentially prevail over PMAB LLC in court.

What is PMAB LLC and why are they threatening to sue me?

Many people are shocked when they receive a letter or phone call from a debt collector with PMAB LLC. They are shocked and perplexed because PMAB is likely a company they’ve never heard of and never transacted with in the past. If you have never heard of, or know anything about, PMAB LLC, this is perfectly understandable. In fact, there is a very good chance that you’ve never actually engaged in a purchase or taken out a loan directly from PMAB LLC.

Instead, PMAB LLC is a subsidiary of MedA/RX, a company that mainly serves the pharmaceuticals industry. PMAB LLC provides third-party collection services for a variety of different healthcare providers.

That being said, PMAB LLC rebranded to Receivables Management Partners (RMP) in September 2020. So if you were ever contacted by PMAB LLC abput a debt, the company is now operating as Receivables Management Partners. But for the purposes of this article, we will refer to the company as PMAB LLC.

If you are enduring harassing phone calls and threatening letters from a debt collection company like PMAB LLC, or were served with a collection lawsuit, do not succumb to the harassment. Instead, take action by utilizing the resources available through ZumaZip. We assist consumers who are being hounded by debt collectors and taken to court in debt collection lawsuits.

We’ve compiled relevant information that helps demystify the process associated with debt collection lawsuits so you know what to expect and what steps you should take to protect your rights against a debt collection company like PMAB LLC.

PMAB LLC receive many complaints for its debt collection practices

If you are feeling intimidated and harassed by debt collectors contacting you from PMAB LLC, you are not alone. Hundreds of complaints have been filed against PMAB LLC on its Better Business Bureau page and reported by the Consumer Financial Protection Bureau. Perhaps they rebranded for this reason.

Below is an example of a real complaint against PMAB LLC:

“Attempting to collect a debt not owed. I have never signed a service agreement with PMAB LLC. The debt in question was result of medical insurance balance that I was unaware existed. ( I have maintained health insurance coverage the entire time period in question. Once I was made aware of the discrepancy the balance was paid in full. I attempted multiple times to reach out to PMAB LLC and have this invalid credit remark removed from my credit profile.”

Beat PMAB LLC in court

A debt collection lawsuit typically begins when the creditor (i.e. PMAB LLC) filing a formal Complaint that alleges you owe a specific amount of money (i.e. the unpaid debt), along with additional expenses such as accrued interest, late fees, attorney fees, and court costs.

Once PMAB LLC files the lawsuit, they will likely hire a processor to serve you with the Complaint, along with a court summons. Once you receive the Complaint, it is extremely important to respond to the court summons by drafting and filing your “Answer” to the Complaint.

Neglecting to respond to the Complaint is never a good idea. Why? Because if you neglect to respond to the lawsuit, there is a very good chance that PMAB LLC will file a motion requesting a default judgment. If the court grants the default judgment, PMAB LLC will be empowered to take the following actions against you:

Place a lien on your personal property (e.g., automobile);
Freeze the money currently in your bank account; and
Garnish your wages.

Do not let this happen to you. Take action and respond to the Complaint.

ZumaZip makes it simple to respond the right way.

Use strong affirmative defenses to fight PMAB LLC’s Complaint

When responding to the lawsuit, you have a chance to point out some of the glaring deficiencies in PMAB LLC’s lawsuit to the court. Keep in mind, when you are sued by a debt collection company, they carry the burden of proving that you are in fact responsible for the amount of the debt purportedly owed. As a result, you should demand that PMAB LLC produce evidence (e.g., documents) that show the following:

You are the person in fact responsible for repaying the alleged debt;
PMAB LLC possesses the right to take legal action against you; and
You owe the specific amount listed in the Complaint

Requesting evidence to establish these basic facts is important because it is not uncommon for these large debt collection companies to sue the wrong person.

ZumaZip helps you make the right defense the right way.

If applicable, you should also consider the expiration of the statute of limitations as an affirmative defense. The statute of limitations is essentially the amount of time someone has to take legal action against another person or company. If the facts of your case indicate that PMAB LLC filed a lawsuit after the expiration of the statute of limitations, you could file a motion to have the debt collection lawsuit dismissed. ZumaZip can help you navigate this process and in completing the necessary documents that should be filed with the court.

These are the key takeaway on what to do if sued by PMAB LLC

Here is an overview of what you need to do if you are taken to court by a debt collection company like PMAB LLC:

Do not admit liability for the alleged debt since the burden is on the debt collector to establish that you in fact are responsible for the amount owed.
Be sure you file your Answer to the Complaint within the time period provided by the Court (in debt collection cases, you typically have between 20 and 30 days to file a response).
In your Answer responding to the Complaint, make sure you raise any applicable affirmative defenses (e.g., the statute of limitations) and demand that the debt collection company prove that you are responsible for the specific amount owed. These are examples of the types of strategies you can use to defeat PMAB LLC in court.

What is ZumaZip?

ZumaZip is a convenient solution designed to streamline your response to a debt collection lawsuit. Here’s a breakdown of what you can expect when you use ZumaZip:

Firstly, you’ll access our user-friendly web application, which guides you through the process step by step. You’ll be prompted to answer a series of questions related to your specific situation. Once you’ve completed the questionnaire, you have the option to either print out the finalized forms and mail them to the appropriate courts yourself, or you can opt to utilize ZumaZip’s services to file them on your behalf. Additionally, if you choose this option, an attorney will review your document for added peace of mind.

If you’re seeking guidance on how to effectively respond to a debt collection lawsuit, ZumaZip can provide the assistance you need. Feel free to explore our FAQs for more information on what ZumaZip has to offer.

What if I haven’t been sued yet?

If you’ve only received a collections notice, but not a lawsuit, the best way to respond is with a Debt Validation Letter. When a debt collector contacts you in any way, whether it’s by phone or mail, you can respond by formally requesting a debt validation with a Debt Validation Letter . This letter notifies the collector that you dispute the debt and forces them to provide proof you owe the debt. They can’t call you or continue collecting until they provide validation of the debt. This flowchart shows how you can use a Debt Validation Letter to win.

Get started with a Debt Validation Letter here.

How to Answer a Summons for debt collection in all 50 states

Here’s a list of guides on how to respond to a debt collection lawsuit in each state:

Guides on how to beat every debt collector

Hey there! Facing off against a debt collector can feel like a daunting challenge, but fear not! We’re here to help you navigate through it all with our handy guides designed to assist you in beating every debt collector you encounter. Whether you’re facing a new lawsuit or dealing with a persistent collector, we’ve got your back. Stay positive, stay informed, and let’s tackle this together!

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