How to Resolve a Debt with PCB Collections Agency
PCB Collections Agency collects overdue medical debts for healthcare providers. You have the right to validate any debt PCB claims you owe before paying. If sued, you can respond to the lawsuit, settle for less, or fight the case in court.
Answer PCB's LawsuitIf you’re one of the 41% of Americans with medical debt, you know the struggle. Medical bills arrive unexpectedly. A hospital visit or surgery can cost thousands, even with insurance. Paying becomes nearly impossible when you’re living paycheck to paycheck.
Unpaid medical debt often lands with collectors like PCB Collections Agency. They’ll send letters and make phone calls demanding payment. Sometimes they’ll sue you. You can resolve your debt with the right approach.
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Respond to PCB NowWhat Is PCB Collections Agency?
PCB Collections Agency specializes in collecting overdue healthcare debts. The company works with medical facilities nationwide, including hospitals and doctor’s offices. It also helps healthcare organizations with billing and practice management.
The full name is Professional Claims Bureau, Inc. The company typically brands itself as PCB. It’s a family-owned business operating since 1964, spanning three generations.
PCB Collections Agency Reviews and Complaints
PCB isn’t BBB accredited but holds an A+ rating. The high rating likely comes from its decades in business. However, the rating doesn’t tell the whole story.
PCB Collections Agency has dozens of complaints filed with the Consumer Financial Protection Bureau. Many complainants claim PCB uses unfair debt collection practices. Others say PCB tries to collect invalid or illegitimate debts.
Here’s one real complaint from the CFPB database:
“I contacted Professional Claims Bureau, LLC three separate times to inform them my doctor never explained there was a co-pay. When I asked the doctor’s office, they told me no co-pay was due. My insurance covered my physical therapy visits. PCB hasn’t contacted me back and continues sending harassing mail demanding payment. The doctor’s office should be held liable. Yet on three occasions, I haven’t heard back from PCB.”
Always investigate before paying PCB Collections Agency. You have the right to request debt validation when collectors contact you.
Make PCB Collections Agency Validate Your Debt
Read any collection notice from PCB carefully. Do you recognize the debt? If you do, it’s likely legitimate. But you should still request debt validation to confirm PCB has collection rights.
In your Debt Validation Letter, ask PCB Collections Agency for:
- The name of the original medical facility or hospital
- The total amount owed, with a breakdown of fees and interest
- The age of the medical debt
- Whether it’s past your state’s statute of limitations
- PCB’s license number for collecting debt in your state
After receiving your notice, PCB must stop collection activity. You should stop receiving calls and letters until they provide the requested information.
If PCB doesn’t respond, they probably lack the necessary documentation. Monitor your credit report to ensure no negative items appear from the agency.
Our partner Solo can help you send a proper debt validation request to PCB Collections Agency.
PCB Collections Contact Information
- Phone: 877-247-4650
- Address: 439 Oak Street, Garden City, New York 11530
- Email: info@pcbinc.org
Respond to a Debt Lawsuit from PCB Collections Agency
Ignoring PCB Collections Agency leads to escalated collection efforts. PCB may file a debt lawsuit against you. Taking action quickly prevents a judgment. A judgment allows PCB to garnish your wages or seize bank funds.
You have three options to resolve a medical debt lawsuit: pay in full, fight the lawsuit, or settle the debt.
Pay the Debt in Full
Repaying your debt typically stops the lawsuit process. PCB Collections Agency will report your account paid and request dismissal. You may pay more than the original debt with attorney fees and court costs added. Keep receipts and payment evidence for your records.
Fight the Lawsuit
Maybe you suspect the debt is invalid. PCB Collections Agency might lack a strong case against you. Respond to the lawsuit with a written Answer. If PCB collectors can’t prove their allegations, the case may be dismissed.
Our partner Solo helps you respond to debt lawsuits with a proper Answer document.
Settle Your Debt with PCB Collections Agency
Complete repayment isn’t always possible with sizable bills and limited savings. If the debt is valid, consider debt settlement instead.
In a settlement, you offer PCB Collections Agency partial payment. In exchange, they drop the lawsuit and forgive the remaining balance. Higher offers increase acceptance likelihood.
Start negotiations by offering at least 60% of the debt’s value. The more you offer, the better your settlement chances. If finances don’t allow that much, explain your situation. PCB Collections Agency may work with you on a monthly installment plan.
How to Settle with PCB Collections Agency
A tech-based approach simplifies debt settlement with PCB Collections Agency. Software helps you send and receive settlement offers until reaching an agreement. Once agreed, you manage settlement documentation and transfer payment securely. Your financial information stays private and protected.
Here’s an example of successful debt settlement:
Luke’s Story: Luke broke his ankle skateboarding and needed surgery. His health insurance didn’t cover the entire ER visit. He had a $3,000 remaining balance. He didn’t pay the bill, and his account went to collections. A medical debt collector sued him. Luke responded with an Answer document to buy settlement time. Luke offered a $2,000 lump-sum payment to settle the debt. The collector accepted the offer. The case was dropped. Luke moved on from the medical bill.
Take Action on Your PCB Collections Debt
No secret tricks exist to escape legitimate debt. Validating the obligation ensures PCB Collections Agency has collection rights. If they do, you can repay or settle the debt. Some agencies consider monthly payment arrangements.
Taking action is crucial. Don’t let debt snowball out of control. Address PCB Collections Agency now before the situation worsens.
You have options to resolve your PCB Collections debt. Debt validation protects you from invalid claims. Settlement can reduce what you owe. Fighting a lawsuit may lead to dismissal. Choose the path that fits your financial situation best.