Seeing “PASI” on your card statement or a call from a 615 or 812 area code is unsettling. Professional Account Services, Inc. is a real Tennessee debt collector, but real does not mean every tactic is legal. According to court records, PASI paid $3.5 million in 2016 to settle claims it impersonated the hospital.
Reviewed by Jeff Wood, consumer protection attorney. Sourced from court filings and BBB complaint records. Last updated August 2026.
Key Takeaways
- Professional Account Services, Inc. (PASI) is a Franklin, TN medical debt collector in business since 1987
- PASI paid $3.5 million in 2016 to settle Archavage v. Professional Account Services, Inc., Case No. 2016-566
- The settlement alleged PASI misrepresented itself as the hospital during collection calls to Pennsylvania consumers
- BBB complaints document consumers who say they never authorized “PASI PROD TN” credit card charges
- Federal law allows up to $1,000 per FDCPA violation and $500 to $1,500 per unauthorized automated call under the TCPA
- The Wood Firm PLLC works on contingency, whether or not you owe the debt
Free Case Review: +1-844-638-1122
Who Is Professional Account Services, Inc. (PASI)?
Professional Account Services, Inc. is a third-party medical debt collector headquartered at 4000 Meridian Blvd, 1st Floor PASI, Franklin, TN 37067. The company was incorporated in 1987 and has been BBB-accredited since February 2011. PASI markets under the brand “Collectively Different” and collects almost exclusively for hospitals, health systems, and physician groups.
The company uses automated dialers, speech analytics, and texting to reach consumers. That approach has put it at the center of federal Telephone Consumer Protection Act disputes. Also searched as PASI Collections or PASI PROD TN, this is the same Franklin, TN company.
It is not affiliated with Professional Credit Service in Oregon or Professional Account Management (PAM), a toll-violation collector. In our practice, we request PASI’s texting and dialer logs on every file. Complaints often describe texts continuing after a consumer’s opt-out request.
Contact information:
- Also known as: PASI, Professional Account Services Inc, Professional Accounts Services, PAS, PASI Collections, PASI PROD TN, Collectively Different
- Not affiliated with: Professional Credit Service, Professional Account Management (PAM)
- Address: 4000 Meridian Blvd, 1st Floor PASI, Franklin, TN 37067
- Phone: (615) 465-8500 | 615-465-8500 | 6154658500 | 615.465.8500
- Also reported: (812) 235-8648, (866) 450-7629, (877) 501-9923, (800) 755-5152, (662) 778-9116
- Website: collectivelydifferent.com
Why Is PASI Calling You?
PASI is calling because a hospital, surgical center, or physician group turned your account over for collection. Every documented BBB complaint against PASI involves a medical debt, not a credit card or auto loan.
- Insurance that should have covered the bill never did
- Payments made directly to the hospital that PASI never credited
- An itemized bill request that went unanswered
Before paying anything, verify the balance against your insurance explanation of benefits and the original provider’s records. Federal rules bar medical debts under $500 from reporting and require a one-year wait first. The Consumer Financial Protection Bureau enforces these rules.
Is PASI a Scam?
PASI is a real, licensed debt collection agency, but licensed does not mean every tactic is legal. In 2016, PASI paid $3.5 million to settle Archavage v. Professional Account Services, Inc. That Pennsylvania class action alleged the company identified itself as the hospital, not as a debt collector.
A call that feels deceptive may reflect that documented tactic rather than an impersonation scam. The settlement covered Pennsylvania residents PASI called about medical bills between January 2012 and January 2016. PASI did not admit wrongdoing.
If a caller says they are from “the hospital” before eventually naming PASI, note that sequence. It mirrors the exact allegation behind the settlement. You can review the top FDCPA violations to see how this tactic fits the broader pattern.
Is PASI Banned by the FTC?
No. PASI does not currently appear in FTC enforcement action records available to the public. Its compliance history instead shows up in a private class action settlement and ongoing BBB complaints.
In our experience, complaint patterns like PASI’s often line up closely with what a private claim needs. Disputed charges, texts after opt-out, and unanswered validation requests are common threads. A consultation can check your calls and charges against that pattern, even without an FTC case on file.
What Is “PASI PROD TN” on My Credit Card Statement?
“PASI PROD TN” is a charge processed by Professional Account Services, Inc. through its Tennessee payment system. If legitimate, it means someone paid a medical bill through PASI’s portal, by phone, or by text-to-pay link. BBB complaints document a different pattern too: consumers who say they never gave PASI card information at all.
In one documented complaint, a consumer reported a $200 unauthorized “PASI PROD” charge from September 2025. PASI’s response was that the payment came through its online portal. The consumer maintained they had never heard of the company before.
In our practice, we request PASI’s authorization logs, including IP address and timestamp, on every disputed-charge file. That record either confirms or disproves the consumer’s own account. If you see an unauthorized charge, dispute it with your card issuer within the 60-day Fair Credit Billing Act window.
PASI Phone Numbers to Watch For
PASI uses several numbers, a common tactic that makes call-blocking less effective. If any of these called you, it is almost certainly PASI.
- 615-465-8500 (also 6154658500, (615) 465-8500): main Franklin, TN office
- 812-235-8648 (also 8122358648, (812) 235-8648): Indiana-area line
- 866-450-7629 (also 8664507629, (866) 450-7629): toll-free line
- 877-501-9923 (also 8775019923, (877) 501-9923): toll-free line
- 800-755-5152 (also 8007555152, (800) 755-5152): toll-free line
- 662-778-9116 (also 6627789116, (662) 778-9116): regional line
Document the date, time, number, and content of every call. Save voicemails rather than deleting them, since they are evidence. An automated or prerecorded call to your cell without consent may be a separate TCPA violation. Check how many times a collector can legally call you daily to see if PASI crossed that line.
How to Stop PASI and Protect Your Rights
Given PASI’s documented validation and identity issues, do not assume the balance is correct before you act.
- Request debt validation in writing. Send a certified letter within 30 days demanding the provider’s name, date of service, and itemized charges. See our guide on how to request debt validation.
- Document every contact, including calls, texts, and letters, and note if PASI identifies itself as calling from a hospital before naming itself.
- Dispute inaccurate reporting with Equifax, Experian, and TransUnion, since it triggers a separate claim under the Fair Credit Reporting Act.
- Send a cease-and-desist by certified mail if calls continue. Review what to say and not say to a collection agency first.
- Call an attorney. Once PASI has legal notice, contact must route through your attorney.
Can PASI Sue Me or Garnish My Wages?
PASI can sue you in court if the debt is valid and within your state’s statute of limitations. PASI cannot garnish wages or levy accounts without first winning a judgment. Any threat of immediate garnishment without a judgment may itself be a federal violation.
In our practice, before responding to any lawsuit threat from PASI, we pull the county court docket first. That confirms whether a case was actually filed, since most verbal threats never turn into one. If you receive real court papers, a summons and complaint, contact an attorney the same day.
PASI can also report the debt to the three credit bureaus. Federal rules limit what it may report. Medical debts under $500 cannot appear at all. No medical debt can be reported before one year after service.
How to Remove PASI From Your Credit Report
A PASI entry is almost always medical debt, which gives specific removal grounds. Dispute the entry with all three bureaus if any of these apply.
- The reported balance does not match what you owe, especially if payments went directly to the hospital and were never credited.
- The debt is under $500, which federal rules prohibit from appearing on a credit report at all.
- The debt was reported within one year of the date of service.
- PASI never provided validation after you requested it in writing.
Inaccurate PASI reporting is a separate claim under the Fair Credit Reporting Act. This applies alongside any FDCPA claim.
How The Wood Firm PLLC Helps With PASI Cases
PASI’s history combines FDCPA disclosure issues, FCRA medical debt rules, and TCPA limits on automated calls. We review the call log, the credit report entry, and any disputed charges together. That comparison shows where your specific file breaks from what federal law requires. Learn more about how we work for you.
The Wood Firm PLLC has handled FDCPA, FCRA, and TCPA cases exclusively since 2011. We represent consumers only, never creditors or collectors. A review costs nothing upfront, and PASI pays our fees if we win. See why clients choose us and the attorney profile page, then call +1-844-638-1122.
Whether you owe the debt or not, a review can identify violations worth pursuing. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency. If PASI violated federal law, PASI pays our fees, not you.
Frequently Asked Questions About PASI
Is PASI a legitimate debt collector?
Yes. Professional Account Services, Inc. is a legitimate medical debt collector, incorporated in 1987 and BBB-accredited since 2011. Legitimate does not mean compliant, though. PASI paid $3.5 million in 2016 to settle claims it misrepresented itself as the hospital during calls.
What is PASI PROD TN on my credit card?
It is a payment processed through PASI’s Tennessee payment system, usually for a medical bill. If you did not authorize a charge, dispute it with your card issuer and request documentation from PASI.
Is PASI the same as Professional Account Management (PAM)?
No. PASI collects medical debt for hospitals from Franklin, Tennessee. Professional Account Management (PAM) is a separate company that collects toll violations and government debts.
Can PASI sue me for a medical bill?
Yes, if the debt is valid and within your state’s statute of limitations. Many verbal threats are collection pressure rather than an actual filed lawsuit. If you receive real court papers, respond within the deadline your state allows.
How do I get PASI off my credit report?
Dispute the entry with all three bureaus in writing. Strong grounds include a mismatched balance, medical debt under $500, or early reporting before the one-year wait.
What was the Archavage v. PASI settlement?
Archavage v. Professional Account Services, Inc. was a 2016 Pennsylvania class action. It alleged PASI misrepresented itself as the hospital during calls from 2012 to 2016. PASI paid $3.5 million without admitting wrongdoing.
How does PASI accept payment for medical debts?
PASI accepts payments through its online portal, by phone, and through text-to-pay links. Verify the balance against your insurance explanation of benefits before paying anything.
What to Do Next If PASI Contacts You
Save every call log, letter, and portal charge notice from PASI before you respond further. Those records support a validation request and, where warranted, a potential FDCPA, FCRA, or TCPA claim. Learn more about how we work for you. Browse our list of collection agencies or practice areas. Call +1-844-638-1122 to have your file reviewed.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
