How to Beat PMAB LLC in a Debt Lawsuit

George Simons

August 14, 2020

If you are the swimmer, and PMAB LLC is the gator, then SoloSuit is the Elbow-Drop Guy.

Summary: Sued for a debt by CPMAB LLC? This guide is for you. Use SoloSuit to respond in 15 minutes.

If you've received threatening and harassing phone calls and letters from a debt collection company like PMAB LLC, you may be feeling overwhelmed and scared. This is perfectly understandable, but we want to assure you there is a proverbial light at the end of the tunnel. You have legal rights, especially when you are contacted by a debt collection company. In addition, there are specific affirmative defenses you can utilize to potentially prevail over PMAB LLC in court.

What Exactly is PMAB LLC and Why are They Threatening to Sue Me?

Many people are shocked when they receive a letter or phone call from a debt collector with PMAB LLC. They are shocked and perplexed because PMAB is likely a company they've never heard of and never transacted with in the past. If you have never heard of, or know anything about, PMAB LLC, this is perfectly understandable. In fact, there is a very good chance that you've never actually engaged in a purchase or taken out a loan directly from PMAB LLC. Instead, PMAB LLCis a subsidiary of MedA/RX, a company that mainly serves the pharmaceuticals industry. PMAB LLC provides third-party collection services for a variety of different healthcare providers.

If you are enduring harassing phone calls and threatening letters from a debt collection company like PMAB LLC, or were served with a collection lawsuit, do not succumb to the harassment. Instead, take action by utilizing the resources available through SoloSuit. We assist consumers who are being hounded by debt collectors and taken to court in debt collection lawsuits. We've compiled relevant information that helps demystify the process associated with debt collection lawsuits so you know what to expect and what steps you should take to protect your rights against a debt collection company like PMAB LLC.

Numerous Complaints Filed Against PMAB LLC for Their Debt Collection Practices

If you are feeling intimidated and harassed by debt collectors contacting you from PMAB LLC, you are not alone. More than 325 complaints have been filed by consumers against PMAB LLC with the Consumer Financial Protection Bureau. In addition, more than 50 complaints have been filed with the Better Business Bureau. Many consumers highlighted significant inaccuracies in the information provided by PMAB LLC and the utter lack of a response when consumers make a reasonable debt verification request.

How to Succeed in Court Over PMAB LLC

A debt collection lawsuit typically begins when the creditor (i.e. PMAB LLC) filing a formal Complaint that alleges you owe a specific amount of money (i.e. the unpaid debt), along with additional expenses such as accrued interest, late fees, attorney fees, and court costs.

Once PMAB LLC files the lawsuit, they will likely hire a processor to serve you with the Complaint, along with a court summons. Once you receive the Complaint, it is extremely important to respond to the court summons by drafting and filing your “Answer” to the Complaint.

Neglecting to respond to the Complaint is never a good idea. Why? Because if you neglect to respond to the lawsuit, there is a very good chance that PMAB LLC will file a motion requesting a default judgment. If the court grants the default judgment, PMAB LLC will be empowered to take the following actions against you:

  • Place a lien on your personal property (e.g., automobile);
  • Freeze the money currently in your bank account; and
  • Garnish your wages.

Do not let this happen to you. Take action and respond to the Complaint.

SoloSuit makes it simple to respond the right way.

Common Affirmative Defenses Raised to Fight Back Against PMAB LLC's Complaint

When responding to the lawsuit, you have a chance to point out some of the glaring deficiencies in PMAB LLC's lawsuit to the court. Keep in mind, when you are sued by a debt collection company, they carry the burden of proving that you are in fact responsible for the amount of the debt purportedly owed. As a result, you should demand that PMAB LLC produce evidence (e.g., documents) that show the following:

  1. You are the person in fact responsible for repaying the alleged debt;
  2. PMAB LLC possesses the right to take legal action against you; and
  3. You owe the specific amount listed in the Complaint

Requesting evidence to establish these basic facts is important because it is not uncommon for these large debt collection companies to sue the wrong person.

SoloSuit helps you make the right defense the right way.

If applicable, you should also consider the expiration of the statute of limitations as an affirmative defense. The statute of limitations is essentially the amount of time someone has to take legal action against another person or company. If the facts of your case indicate that PMAB LLC filed a lawsuit after the expiration of the statute of limitations, you could file a motion to have the debt collection lawsuit dismissed. SoloSuit can help you navigate this process and in completing the necessary documents that should be filed with the court.

Need Help? Use SoloSuit

SoloSuit helps demystify the process of responding to a debt collection lawsuit, including lawsuits filed by PMAB LLC. Here is how it typically works - you access SoloSuit, which is a dynamic, step-by-step web-app. When you are in the app, you will be asked specific questions. Once you answer these questions, you can either print the completed legal documents and mail the hard copies to the court or you can pay SoloSuit to file it for you and to have an experienced and knowledgeable attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

If you need assistance in effectively responding to a debt collection lawsuit, including a lawsuit filed by PMAB LLC, consider utilizing the services available through SoloSuit. What is SoloSuit? Take a moment to review these FAQs to learn more.

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Overview of What To Do If You are Sued by PMAB LLC

Here is an overview of what you need to do if you are taken to court by a debt collection company like PMAB LLC:

  • Do not admit liability for the alleged debt since the burden is on the debt collector to establish that you in fact are responsible for the amount owed.
  • Be sure you file your Answer to the Complaint within the time period provided by the Court (in debt collection cases, you typically have between 20 and 30 days to file a response).
  • In your Answer responding to the Complaint, make sure you raise any applicable affirmative defenses (e.g., the statute of limitations) and demand that the debt collection company prove that you are responsible for the specific amount owed. These are examples of the types of strategies you can use to defeat PMAB LLC in court.

Good Luck!

Additional Resources

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit.

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