Professional Credit Management, Inc.

PCM Disclosures 

This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. 

Calls and communications to and from our office are recorded for training and development of staff.  

Tennessee Residents: This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance, State of Tennessee. 

By creating an online account or authorizing a pay agreement, you consent to receive electronic communications from PCM including text, email, automated messaging, as well  as data exchange and messaging via the portal. If you do not consent to electronic communications with PCM, do not continue. As an alternative, or to revoke any/all such consent, contact us at 866.217.1675. 

Every attempt has been made to combine and present all of your accounts on the portal. However, all obligations may not be present. Additional charges may be owed, including, but not limited to, costs, fees, and accrued interest. 

When making a payment, you are redirected from our "" website to web pages of our payment processing vendor-partner. PCM does not exclusively control content beyond this site.

Professional Credit Management, Inc. (PCM) partners with Nuvei Commerce to offer convenient and secure electronic payments. Credit and debit card payments will be subject to a 3.5% software fee and ACH (bank draft) payments will be subject to a $1.00 software fee. The fee is separate from the underlying obligation and is subject to change. PCM does not receive any part of the software fee charged by Nuvei Commerce. This fee is charged by the payment processor and covers the cost of processing the payment transaction. Additional payment options which do not incur payment processing software fees include a personal check, cashier's check, or money order that can be mailed to our office at PCM, PO Box 4037, Jonesboro, AR 72403.

We cannot ensure or warrant the security of any personal information you provide to us electronically. This is especially true for personal information you provide to us by e-mail or by submitting a web form as we have no way of protecting that information until it reaches us. Web forms are transmitted to us by e-mail when you submit them. The use of e-mail is not a secure medium and e-mail is vulnerable to interception. We will not be responsible for any damages you may suffer as a result of the transmission of personal information that you provide to us by e-mail or by submitting a web form.

PCM Portal Usage Terms and Conditions 

By clicking "I Agree" and providing your telephone number(s) you agree that Agency may from time to time make calls, prerecorded or artificial voice calls, and/or send text messages to you at any telephone number associated with your account about your account and that could result in charges to you. The manner in which these calls or text messages are made to you may include, but is not limited to, the use of automatic telephone dialing system technology. You further agree that Agency may send e-mails to you at any e-mail address you provide us or use other electronic means of communication to the extent permitted by law. Consent may be revoked by any reasonable means!  

By clicking "I Agree", you consent to receiving any disclosures, writings, notices, and documents legally required to be in writing via electronic means. This includes all present and future disclosures, writings, or notices that we may provide in connection with your account.  

You must have a computer or other access device such as cell phone, which can access the Internet or a mobile browser to access and retain any records regarding your account.  Your system must have the ability to either download and save electronic copies on your device or other external storage device or have the ability to print PDF files. You must have a valid e-mail address and software to access it. Your access to this page verifies that your system meets these requirements.  

You have a right to retain a printed copy of the requested file. You can obtain a paper copy of these disclosures by downloading a copy or printing a copy through the "User Profile"  page under "My Account" on this website or by emailing us at email here.  

Changes to requirements: We will notify you if our hardware, software, and other system requirements change.  

Maintain Valid Personal Information: It is important that you maintain a valid email address, phone number, mailing address, and other account information so that we may contact you regarding your account(s). You agree to maintain valid personal information and promptly notify us of any changes to your personal information. For your security, we may delay a change until we can verify requests received via mail, or an e-mail address different from the one previously provided by you. You may update your personal information online on the "Update Account Information" page under "My Account" on this website or by contacting via phone.  

Request for Paper Statements, Disclosures, or Notices: You have a right to request this information on paper. If you would like to receive a paper copy of any electronically presented  Communication or this Agreement, contact us at the address set forth below or call via phone.  

Right to Withdraw Consent: You may withdraw your consent to electronic delivery of Communications at any time through the "User Profile" page under "My Account" on this website or by contacting via phone. There is no Fee or other consequence for withdrawing consent, but previous information delivered electronically will be sent via mail to the address on file.  

Acceptance: By accepting this Agreement, you agree that we have your affirmative consent to provide account statements, disclosures, and notices to you in electronic form,  also referred to as Communications, in lieu of paper form regarding your account and confirm that your system meets the requirements set forth above.