Stop Professional Accounts Services Debt Collection Harassment

If you see “PASI” on your credit card statement, get calls from a 615 or 812 area code about a hospital bill, or watch Professional Account Services, Inc. report a medical debt on your credit file, you are in the right place. PASI is a legitimate Tennessee debt collector, but “legitimate” and “legal” are not the same thing. The company paid $3.5 million in 2016 to settle a class action accusing it of misrepresenting itself as the hospital when calling Pennsylvania consumers about medical bills. If PASI has crossed the line with you, call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency, which means PASI pays our fees if we win.

Also searched as: PASI, Professional Account Services Inc, Professional Accounts Services, PAS, PASI collections, PASI debt collector, PASI PROD TN, and PASI Collectively Different. Not to be confused with Professional Credit Service (professionalcredit.com), an Oregon-based agency, or Professional Account Management (PAM), a separate toll-violation and government collections company.

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, Tennessee 37067. The company was incorporated on August 31, 1987, and has been accredited by the Better Business Bureau of Middle Tennessee since February 2011. PASI operates under the marketing brand “Collectively Different” at collectivelydifferent.com and collects almost exclusively for hospitals, health systems, and physician groups.

PASI primarily services consumers in Tennessee, Indiana, Illinois, Pennsylvania, and other states where its hospital clients operate. The company uses advanced call center technology, including automated dialers, speech analytics, and a texting program, which has put it at the center of federal Telephone Consumer Protection Act disputes. PASI describes its approach as “omni-channel communications,” which in practice means the same consumer may receive phone calls, texts, letters, and emails from the company about a single medical account.

On paper, PASI is a long-established, BBB-accredited agency. In practice, its compliance record tells a more complicated story, one that has cost the company millions in settlements and continues to generate BBB complaints about unauthorized credit card charges, texts after opt-out, and collection on debts consumers dispute.

Why Is PASI Calling You?

PASI is calling because a hospital, surgical center, physician group, or other healthcare provider turned your account over for collection. Every documented BBB complaint against PASI involves a medical debt. This is not a company that collects credit cards, auto loans, or utility bills. If PASI is contacting you, a medical provider somewhere in your history decided your account was delinquent and assigned it to PASI to recover.

Three specific scenarios dominate the BBB complaint record against PASI.

Insurance was supposed to cover it. A consumer undergoes a procedure, pays the required deposit, and later receives a PASI collection notice for a balance their insurance should have paid. The provider’s billing office and PASI point fingers at each other while the consumer’s credit report takes the hit.

The bill was being paid directly to the hospital. Multiple BBB complaints describe consumers making regular payments directly to a hospital or provider, only to discover PASI had already taken over the account and was reporting the original unpaid balance to the credit bureaus. The consumer’s good-faith payments were not reflected on the collection account.

The consumer never received an itemized bill. A recurring pattern in PASI’s BBB complaints: the consumer requests an itemized bill, waits weeks with no response, and finds the debt still being actively collected and reported. Under federal law, collection must pause while a validation request is pending.

If any of these situations matches yours, do not pay PASI before verifying the balance against your insurance explanation of benefits and the original provider’s billing records. Federal rules also prohibit medical debts under $500 from appearing on credit reports and require a one-year waiting period before any medical debt can be reported at all. The Consumer Financial Protection Bureau enforces these rules.

What Is “PASI PROD TN” on My Credit Card Statement?

“PASI PROD TN” or “PASI” on your credit card statement is a charge processed by Professional Account Services, Inc. through their Tennessee payment system. “PROD” refers to their production payment processor. If the charge is legitimate, it means someone used a credit card to pay a medical bill through PASI’s online portal at collectivelydifferent.com, over the phone, or through a text-to-pay link.

BBB complaints document a troubling pattern, however: consumers who say they never authorized the charge and never gave PASI their card information. In one documented complaint, a consumer reported a $200 “PASI PROD” charge from September 2025 that they did not authorize. PASI’s response was that the payment had been made through their online portal, but the consumer insisted they had never heard of the company and never submitted card information.

If you see a PASI charge you did not authorize, take three steps immediately. First, dispute the charge with your credit card issuer as unauthorized. Most issuers have a 60-day dispute window under the Fair Credit Billing Act. Second, request in writing that PASI provide documentation of how the charge was processed, including the IP address, timestamp, and method of authorization. Third, call +1-844-638-1122. Unauthorized charges by a debt collector can trigger claims under multiple federal laws, not just the FDCPA.

The $3.5 Million Archavage Settlement: What PASI Admitted (and What It Didn’t)

In 2016, Professional Account Services, Inc. agreed to pay $3.5 million to settle Archavage v. Professional Account Services, Inc., Case No. 2016-566, filed in the Court of Common Pleas of Luzerne County, Pennsylvania. The class covered every Pennsylvania resident PASI contacted by phone about a medical bill between January 1, 2012, and January 1, 2016. During that four-year window, the company allegedly misrepresented itself as the hospital or original creditor rather than identifying itself as a third-party debt collector.

This is one of the most important facts about PASI for any consumer dealing with the company today. Misrepresenting identity during a collection call is a direct federal violation. The law requires debt collectors to identify themselves as debt collectors in every communication. PASI did not admit wrongdoing in the settlement, but the $3.5 million payout included $1.4 million in class counsel fees and a $100,000 award to the representative plaintiff, with the remainder going to class members who filed valid claims.

The practical lesson: if you get a call from someone who says they are “calling from the hospital” or “calling about your account with [hospital name]” and they eventually reveal they are PASI, that sequence may itself be a violation worth statutory damages. Document the call. Write down exactly what was said, when, and from what number. You can review the top FDCPA violations to see how this tactic fits into the broader pattern of collection abuse.

PASI Phone Numbers to Watch For

PASI uses multiple phone numbers to contact consumers, a common practice among collectors that makes call-blocking ineffective. If any of these numbers have called you, it is almost certainly Professional Account Services, Inc. The list below includes common format variations because people often search without hyphens or spacing.

• 📞 615-465-8500 (also 6154658500, (615) 465-8500, 615.465.8500): Main Franklin, TN office
• 📞 812-235-8648 (also 8122358648, (812) 235-8648, 812.235.8648): Indiana-area collection line
• 📞 866-450-7629 (also 8664507629, (866) 450-7629, 866.450.7629): Toll-free collection line
• 📞 877-501-9923 (also 8775019923, (877) 501-9923, 877.501.9923): Toll-free collection line
• 📞 800-755-5152 (also 8007555152, (800) 755-5152, 800.755.5152): Toll-free collection line
• 📞 662-778-9116 (also 6627789116, (662) 778-9116, 662.778.9116): Regional collection line

Document every call. Write down the date, exact time, phone number, and what was said. If the calls are automated, meaning prerecorded messages or a robotic-sounding dialer pause before a human comes on, each call to your cell phone without your express written consent may be a separate Telephone Consumer Protection Act violation worth $500 to $1,500. Do not delete voicemails. They are evidence. You can also check how many times a debt collector can legally call you per day to see whether PASI has already crossed that line.

How to Stop PASI and Protect Your Rights

Given PASI’s documented history of identity misrepresentation and validation failures, your response sequence matters. Do not assume the balance is correct. Do not pay until you have verified the debt.

1. Request Debt Validation in Writing

Send a certified letter to PASI at 4000 Meridian Blvd, 1st Floor PASI, Franklin, TN 37067-6325 within 30 days of their first contact. For medical debt specifically, demand: the name of the original hospital or provider, the date of service, the full itemized charges, any insurance payments already applied, and the balance at the time PASI received the account. Under federal law, PASI must pause all collection activity until they respond adequately. Given the BBB-documented pattern of validation failures, this request often stops collection on its own. Our full guide on how to request debt validation walks through the exact language to use.

2. Document Every Contact

Keep a running log with the date, exact time, phone number, and a summary of what was said in every call, text, or letter. Save voicemails. Do not delete them. If PASI identifies itself as “calling from [hospital name]” before revealing it is a debt collector, note that specifically. That was the exact allegation at the center of the Archavage settlement.

3. Dispute With the Credit Bureaus

If PASI has reported the debt to Equifax, Experian, or TransUnion, file a written dispute with each bureau. Cite any inaccuracies in the balance, any payments made to the original provider that are not reflected, and any failure to provide validation. Inaccurate credit reporting triggers separate claims under the Fair Credit Reporting Act, independent of any FDCPA claim.

4. Send a Cease-and-Desist if Calls Continue

If PASI continues contact after the validation request, send a certified cease-and-desist letter to the Franklin, TN address. Once received, PASI can legally only contact you to confirm they have stopped or to notify you of legal action. If you are unsure what to say (and not say) to a collection agency, review that guide before making any call yourself.

5. Call an Attorney

Once PASI has legal notice that you are represented, all contact must route through your attorney. Call +1-844-638-1122. The Wood Firm PLLC handles contact within 48 hours of legal notice.

Can PASI Sue Me or Garnish My Wages?

PASI can sue you in court if the debt is valid and still within your state’s statute of limitations. PASI cannot garnish your wages, levy your bank account, or seize assets without first filing a lawsuit, winning a judgment, and obtaining a garnishment order from a court. Any threat of immediate garnishment without a prior court judgment is itself a federal violation worth statutory damages.

In practice, PASI typically pursues lawsuits only on larger medical debts where the hospital has provided complete billing documentation. Many verbal and letter threats of litigation are collection pressure tactics, not genuine legal action. If you receive actual court papers, a summons and complaint rather than a threatening letter, do not ignore them. Most states give you only 20 to 30 days to respond before a default judgment is entered against you. Contact an attorney the same day you receive any court papers.

PASI can also report the debt to the three credit bureaus, but federal rules limit what it can report. Medical debts under $500 cannot appear on credit reports at all, and no medical debt can be reported until at least one year after the date of service. If PASI has reported a debt that violates either rule, dispute it immediately and call +1-844-638-1122. These reporting violations create separate claims.

How to Remove PASI From Your Credit Report

A PASI entry on your credit report is almost always medical debt, which gives you specific removal grounds that do not apply to other collection accounts. Dispute the entry with all three bureaus if any of these apply:

• The reported balance does not match what you actually owe, especially if you made payments directly to the original hospital that were not credited to the PASI account. This is one of the most common BBB complaint patterns against the company.
• The debt is under $500. Federal rules prohibit sub-$500 medical debts from appearing on credit reports regardless of age or validity.
• The debt was reported within one year of the date of service. Federal rules require a one-year waiting period before any medical debt can be reported.
• PASI never provided validation after you requested it. Reference the unanswered validation request in your dispute letter.
• You have paid the balance and PASI agreed to delete. If you negotiated a pay-for-delete, get the agreement in writing before sending any money and reference it in your bureau dispute.

Inaccurate PASI reporting gives you a separate claim under the Fair Credit Reporting Act, on top of any FDCPA claim for the underlying collection conduct.

How The Wood Firm PLLC Helps

Medical debt collection by PASI combines federal FDCPA requirements, FCRA rules on medical debt, and TCPA limits on automated calls and texts. When PASI misrepresents itself as the hospital, continues collecting while a validation request is pending, reports inaccurate balances to the bureaus, or processes credit card charges that consumers say they never authorized, those are actionable claims under federal law.

The Wood Firm PLLC has handled FDCPA, FCRA, and TCPA cases exclusively since 2011. We have never represented a creditor or a collection agency. We work on contingency, which means you pay nothing up front and nothing out of pocket. If we win, PASI pays our fees, not you. Contact from PASI typically stops within 48 hours of the legal notice we send on your behalf. Learn more about how we work for you and why clients choose us.

Attorney Jeff Wood founded the firm for one purpose: protecting consumers from abusive debt collection. With more than 15 years of consumer protection litigation and Of Counsel relationships across Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia, the firm has the jurisdictional reach to pursue PASI wherever the violations happened. Read more on the attorney profile page.

Real Cases We Have Handled Against Collectors Like PASI

The following describes the types of cases the firm regularly handles. Client identities are protected.

• Workplace harassment case. A client received more than a dozen automated calls from a medical debt collector to their workplace in a single week, after they had instructed the collector in writing to stop calling at work. Their supervisor began asking questions. The Wood Firm PLLC documented each call as a separate federal violation, and the case resolved with a five-figure recovery within weeks of legal notice being sent.
• Credit reporting inaccuracy case. A client was contacted about a medical debt they had been paying directly to the hospital for months. The collector had reported the full unpaid balance to the credit bureaus without crediting the payments. The Wood Firm PLLC pursued claims under both the FDCPA and the Fair Credit Reporting Act, obtained deletion of the inaccurate entry, and recovered damages for the credit harm.
• Unauthorized credit card charge case. A client noticed unauthorized charges from a debt collector on their credit card statement, charges they had never approved. The Wood Firm PLLC investigated the payment processing records, pursued claims under federal consumer protection law, and obtained both a refund and statutory damages for the unauthorized transactions.

These are the tactics the firm sees most often, and the kinds of outcomes that are possible when violations are properly documented and pursued.

Frequently Asked Questions About PASI

Is PASI debt collector legit?

Yes. Professional Account Services, Inc. is a legitimate medical debt collector based in Franklin, Tennessee, incorporated in 1987 and BBB-accredited since 2011. But being legitimate does not mean being compliant. PASI paid $3.5 million in 2016 to settle class claims that it misrepresented itself as the hospital during collection calls, and BBB complaints continue to document validation failures and disputed charges.

What is PASI PROD TN on my credit card?

“PASI PROD TN” is a payment processed through Professional Account Services, Inc.’s Tennessee payment system, usually for a medical bill. If you see the charge and did not authorize it, dispute it with your card issuer immediately as unauthorized, request documentation from PASI of how the charge was processed, and call +1-844-638-1122. Unauthorized charges trigger additional federal claims.

Is PASI the same as Professional Account Management (PAM)?

No. Professional Account Services, Inc. (PASI) collects medical debt for hospitals and is based in Franklin, Tennessee. Professional Account Management (PAM) is a separate company that collects toll violations and government debts. The two are frequently confused. PASI itself has filed BBB complaint responses clarifying that complaints about PAM should not be directed to PASI.

What phone numbers does PASI use?

PASI uses multiple numbers, including 615-465-8500 (main Franklin office), 812-235-8648, 866-450-7629, 877-501-9923, 800-755-5152, and 662-778-9116. Like most collectors, PASI rotates numbers to prevent call blocking. If any of these numbers have called you about a medical bill, it is almost certainly PASI.

Can PASI sue me for a medical bill?

Yes, if the debt is valid and within your state’s statute of limitations. In practice, PASI typically pursues lawsuits only on larger balances with complete hospital documentation. Many verbal threats are collection pressure, not genuine legal action. If you receive actual court papers, you have only 20 to 30 days in most states to respond. Call an attorney the same day.

How do I get PASI off my credit report?

Dispute the entry with all three bureaus in writing. Strong grounds include: reported balance that does not match what you owe, medical debt under $500 (prohibited from reporting), debt reported within one year of the service date (also prohibited), or unanswered validation requests. Inaccurate reporting creates a separate claim under the Fair Credit Reporting Act.

What is the Archavage v. PASI settlement?

Archavage v. Professional Account Services, Inc. was a 2016 Pennsylvania class action, Case No. 2016-566 in the Luzerne County Court of Common Pleas. PASI paid $3.5 million to settle claims that it misrepresented itself as the hospital or creditor during collection calls between January 2012 and January 2016. PASI did not admit wrongdoing but agreed to the settlement.

Does PASI charge to settle medical debts?

PASI accepts payments through its online portal at collectivelydifferent.com, by phone, and through text-to-pay links. Before paying anything, verify the balance against your insurance explanation of benefits and the original hospital billing. Never provide payment information over the phone on an unsolicited call without first confirming the debt is valid and that PASI is the rightful collector.

Take Action Against PASI Today

Medical debt collection stress is real, and PASI’s documented history, a $3.5 million settlement, BBB complaints about unauthorized credit card charges, validation failures, and collection on balances still being paid to the hospital, means you are not imagining it if something feels wrong. Federal law gives you specific, enforceable rights. The Wood Firm PLLC has handled consumer protection cases exclusively since 2011, works on contingency, and makes PASI pay the legal fees if we win.

Call +1-844-638-1122 for a free case review. There is no cost to you unless we recover on your behalf, and contact from PASI typically stops within 48 hours of legal notice. You can also learn more about how we work for you, browse our full list of collection agencies, or review our practice areas.