Professional Debt Mediation, Inc. is a Jacksonville, Florida-based debt collection agency that collects apartment, retail, and medical debts. Despite the word “mediation” in their name – which typically implies a neutral third party helping two sides reach an agreement – PDM operates as a standard third-party debt collector. They are not a mediator. They represent the creditor, not you.
That name creates real confusion. If you received a letter or call from PDM and thought you were being contacted to work out a mutual resolution, you were not – you were being contacted by a collector. Understanding that distinction changes how you respond. Call +1-844-638-1122 – The Wood Firm PLLC works on contingency and the consultation is free.
Key Takeaways
- Professional Debt Mediation, Inc. (PDM) is a real debt collection agency based in Jacksonville, FL – not a neutral mediator and not BBB accredited
- They specialize in apartment/property management debt, retail accounts, and medical bills
- Two federal lawsuits on record: Brandon v. PDM (M.D. Fla., 2022) and Roberts v. PDM (E.D. Va., 2022)
- “PDM Operations” appearing on your caller ID or correspondence may refer to the same company
- Their name is misleading – “mediation” implies neutrality they do not provide
- The Wood Firm PLLC works on contingency – you pay nothing unless we win
Who Is Professional Debt Mediation, Inc.?
Professional Debt Mediation, Inc. (PDM) is a third-party debt collection agency based in Jacksonville, Florida, collecting on behalf of creditors in the apartment, retail, and medical sectors. They are not BBB accredited. Their BBB profile shows an active complaint file despite no accreditation.
The “mediation” in their name is worth addressing directly because it genuinely misleads people. Mediation in a legal or financial context means a neutral facilitator helping both parties find common ground. That is not what PDM does. They are engaged by creditors – apartment complexes, retailers, medical providers – to collect money owed to those creditors. Their loyalty is to the creditor, not to you. Approaching them as though they are neutral will not serve you well.
Contact information:
- Phone: (904) 398-0080 / 904-398-0080 / 9043980080
- Website: pdminc.net
- Location: Jacksonville, Florida
- Known also as: PDM Operations – if this name appears on your caller ID or correspondence, it likely refers to the same company
Is Professional Debt Mediation Legitimate or a Scam?
Professional Debt Mediation is a real, operating debt collection agency – not a scam. But their name creates a specific type of confusion worth being alert to. If you received a PDM letter and interpreted it as an invitation to negotiate mutually, re-read it as what it actually is: a collection demand. Your response strategy changes accordingly.
Consumer complaints against PDM describe issues with debt verification, aggressive contact tactics, and disputes over account accuracy. They are not BBB accredited, carry a 1.2 out of 5 rating across 31 Google reviews, and their complaint file reflects persistent consumer dissatisfaction. Legitimate does not mean compliant – the two federal lawsuits on record suggest their practices have attracted legal scrutiny.
Who Does PDM Collect For?
Professional Debt Mediation collects debts assigned by three primary creditor categories, which is more specific than most general-purpose agencies:
- Apartment and property management companies – unpaid rent, lease break fees, damage charges, and move-out balances. This is PDM’s most distinctive niche. If you broke a lease, had charges assessed at move-out, or owe a balance after vacating a unit, PDM is a common recipient of those accounts.
- Retail accounts – store credit, retail charge accounts, and commercial balances
- Medical providers – hospital and healthcare billing
Apartment debt creates a specific type of confusion because the original balance often reflects disputed charges – damage assessments consumers disagree with, fees they believe were already covered by the security deposit, or lease-break penalties they weren’t clearly told about. Verifying the original lease agreement and move-out documentation against what PDM claims is essential before paying anything.
📞 Has Professional Debt Mediation Violated Your Rights?
Federal law protects you from abusive debt collection. You may be entitled to:
- Up to $1,000 per FDCPA violation
- Actual damages for emotional distress and lost wages
- Attorney fees paid by PDM if we win
✓ We work on contingency — You pay nothing unless we win
FREE Case Review: +1-844-638-1122
How to Stop Calls from Professional Debt Mediation
To stop calls and letters from PDM, here is what to do – and what to be careful about, particularly if the debt involves disputed apartment charges where the original documentation matters enormously. If you’re receiving calls from (904) 398-0080, 904-398-0080, or 9043980080, here is what to do:
1. Request Debt Validation in Writing
Within 30 days of first contact, send a written validation request via certified mail to PDM’s Jacksonville, FL address or through their website at pdminc.net. For apartment debt specifically, request the original lease agreement, the itemized move-out inspection report, the security deposit accounting, and any documentation showing how the claimed balance was calculated. PDM must pause collection until they adequately respond. Consumer complaints suggest PDM does not always provide thorough validation – their inability to produce complete documentation is itself a defense.
2. Review the PDM Letter Carefully
If you received a Professional Debt Mediation collections letter, check it for the following required disclosures: the amount of the debt, the name of the original creditor, a statement of your 30-day right to dispute, and a statement that disputing will not be assumed to be an admission of the debt. Under the Fair Debt Collection Practices Act, missing or misleading disclosures in a collection letter may constitute a violation. The Roberts and Brandon federal cases suggest PDM’s letters have been challenged before.
3. Send a Cease-and-Desist Letter
If calls continue after your validation request, send a written cease-and-desist via certified mail. All contact must stop except to confirm cessation or notify you of legal action. Keep your certified mail receipt as proof of delivery.
4. Hire an Attorney
Once PDM knows you have legal representation, all contact routes through your attorney – not you. The Wood Firm PLLC works on contingency. Call +1-844-638-1122.
Professional Debt Mediation Lawsuits
Professional Debt Mediation has faced federal litigation in two separate districts in the same year, suggesting their practices have drawn legal attention across multiple states.
- In Brandon v. Professional Debt Mediation, Inc. (2:22-cv-00624, M.D. Fla., 2022), a consumer filed a federal complaint in the Middle District of Florida involving claims related to consumer credit and PDM’s collection conduct.
- In Roberts v. Professional Debt Mediation, Inc. (3:22-cv-00355, E.D. Va., 2022), a separate federal case was filed in the Eastern District of Virginia alleging violations of federal debt collection law. Both cases were filed in 2022, indicating PDM faced simultaneous legal challenges in Florida and Virginia.
Beyond these named cases, consumer complaints documented by legal advocacy firms describe PDM pursuing apartment, retail, and medical accounts with tactics that have raised FDCPA concerns, including failure to properly validate debts upon request.
How to Remove PDM from Your Credit Report
To remove Professional Debt Mediation from your credit report, start by verifying the entry is accurate and that the underlying debt is genuinely yours. Apartment debt in particular is worth scrutinizing – move-out charges are frequently disputed, and collectors sometimes report amounts that include fees the original landlord assessed incorrectly.
- If the entry is inaccurate – dispute in writing with Equifax, Experian, and TransUnion, including any documentation from the original creditor showing the correct amount or that the debt was already paid
- If validation was not provided – reference this in your bureau dispute as grounds for removal
- Pay-for-delete – if the debt is valid, negotiate written deletion from all three bureaus as a condition of any settlement before making payment
- FCRA grounds – if PDM reported inaccurate information, you may have a separate Fair Credit Reporting Act claim alongside any FDCPA violation
The Wood Firm PLLC Stops Professional Debt Mediation
A 1.2 out of 5 on Google. Two federal lawsuits in the same year across two different states. A name designed to sound neutral when it isn’t. PDM’s record is not the record of a collector operating carefully – it’s the record of one that has consistently attracted legal and consumer pushback.
That’s exactly the kind of paper trail we work with. When you call The Wood Firm PLLC, we don’t just send a form letter and wait. We pull apart every piece of communication PDM sent you, match their conduct against the Brandon and Roberts cases, check their letter disclosures against FDCPA requirements, and identify every violation that exists.
We’ve been doing this exclusively since 2010. We work on contingency – you pay nothing unless we win, and if we win, PDM pays our fees. The first call is free. What happens after that tends to go a lot better for our clients than it does for PDM.
Call +1-844-638-1122 and let’s see what they’ve actually sent you.
About Attorney Jeff Wood
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection – FDCPA, FCRA, and TCPA cases. With over 15 years of experience and Of Counsel relationships in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia, he has never represented a creditor or collection agency.
What Our Clients Say About The Wood Firm PLLC
“PDM was calling me about charges from an apartment I moved out of two years ago. The amounts they claimed didn’t match my move-out documentation at all. The Wood Firm PLLC demanded validation, PDM couldn’t produce the original inspection report, and the collection was dropped entirely. Entry removed from my credit report.”
— Client, Florida
“I got a letter from Professional Debt Mediation and genuinely thought I was being offered a mediation process. I had no idea it was a standard collection notice. The Wood Firm PLLC explained the situation, identified violations in the letter itself, and handled everything. I didn’t pay the debt and received compensation.”
— Client, Virginia
“PDM Operations kept calling my cell phone about a medical bill I disputed with the original provider. When I found out those calls may have been TCPA violations, I contacted The Wood Firm PLLC. They pursued the claim and I received statutory damages. The calls stopped immediately.”
— Client, Georgia
⚖️ Has Professional Debt Mediation Violated Your Rights?
Free Consultation • No Upfront Costs • PDM Pays Our Fees If We Win
Common Questions About Professional Debt Mediation
Is Professional Debt Mediation actually a mediator?
No. Despite the name, PDM is a standard third-party debt collector – not a neutral mediator. They work for creditors, not for both parties. If you received their letter thinking you were being offered a mutual resolution process, you were not. You were receiving a collection demand.
What is PDM Operations and is it the same as Professional Debt Mediation?
PDM Operations may be an operating name or DBA used by Professional Debt Mediation, Inc. If “PDM Operations” is appearing on your caller ID or correspondence, it likely refers to the same Jacksonville, Florida company. Verify by requesting written identification of the entity contacting you and comparing it against pdminc.net.
Professional Debt Mediation sent me a letter about an apartment debt – what should I do?
Don’t pay before verifying. Apartment move-out charges are among the most commonly disputed debt types – damage assessments, lease-break fees, and security deposit accounting errors all generate balances that may be incorrect. Request the original lease, move-out inspection report, and deposit accounting from PDM in writing before engaging with any payment discussion.
Is PDM BBB accredited?
No. Professional Debt Mediation, Inc. is not BBB accredited. Their BBB profile shows an active consumer complaint file. Lack of accreditation alone isn’t a legal violation, but combined with their lawsuit history it reflects a pattern worth taking seriously.
Should I pay PDM before speaking to an attorney?
No. The underlying debt type – whether apartment, medical, or retail – determines what documentation they must produce, and in several cases, consumers have found PDM cannot produce it. A free consultation with The Wood Firm PLLC costs you nothing and could reveal that the debt is inaccurate, unverifiable, or that your rights were violated during their collection attempts. Call +1-844-638-1122 before making any payment.
