How to Beat Progressive Management Systems

George Simons | January 05, 2024

Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Is Progressive Management Systems suing you for a debt? SoloSuit can help you take a stand and win in court.

If you are being subjected to harassment by a debt collector with Progressive Management Systems, it is perfectly understandable if you are feeling anxious, angry, and even scared. Why? Because it is quite common for debt collectors with Progressive Management Systems to use inappropriate and unethical tactics to try to get you to pay the amount allegedly owed.

If you are enduring multiple phone calls, threatening letters, and other questionable attempts to intimidate you by a debt collector with Progressive Management Systems, you do not have to put up with this behavior. You have rights and protections under the Fair Debt Collection Practices Act, along with other laws.

Here's everything you should know about Professive Management Systems and how to beat them in court.

How Progressive Management Systems Operates

Progressive Management Systems is considered to be a legitimate debt collection agency. They operate out of the West Coast, specifically with offices in West Covina, California and Las Vegas, Nevada. Progressive Management Systems pursues unpaid debts on behalf of multiple companies in different sectors of the economy. In addition, they are known as a “debt buyer” which means they purchase delinquent accounts from other companies for pennies on the dollar in the hopes of turning around, collecting on the debt, and making a substantial profit.

In other words, it's very common for Progressive Management Systems to purchase your old debt from the original creditor (for example, a credit card company or bank) for super cheap. Then, they try to get you to pay off the full amount. When you pay everything off to Progressive Management Systems, they will probably make a huge profit.

This is just one of the sketchy methods Progressive Management Systems uses to collect debt.

Multiple Complaints Filed By Consumers Against Progressive Management Systems

If you're feeling frustrated with Progressive Management Systems, you're not alone.

Consumers across the country have filed complaints with the Better Business Bureau and Consumer Financial Protection Bureau raising concerns about the questionable tactics used by Progressive Management Systems in their efforts to collect on debts. Many consumers have indicated that this agency frequently engages in collection tactics that violate numerous provisions of the Fair Debt Collections Practices Act.

As of 2022, Progressive Management Systems received 60 complaints in a three-year period on its BBB profile. These complaints show that Progressive Management frequently:

Fails to validate debts.
Reports fraudulent debts to the credit reporting agencies.
Charging incorrect amounts when consumers call to pay off their debts.
Claims incorrect debt amounts.
Hangs up on consumers when they ask questions about the debt.

Let's take a look at a real complaint against Progressive Management Systems from the BBB complaint database.

“I ran a credit report and this company came up as a collection agency. I have no idea or any records of doing business with them through my bank like they claim. I have tried to contact them about this issue 6 different times and get hung up on every time. I have asked them to mail me proof of records of what I owe but I get hung up on. They say they have received a payment from me in 2-20 but me nor my bank have any records of a transaction with this company. I do believe this is fraud and in good faith I cannot pay money to a company that refuses to talk to me and send proper proof of any transaction that has taken place.”

If you have experienced anything similar, you may be entitled to compensation. Learn about your rights under the FDCPA so you can protect yourself from abusive debt collectors.

You have rights under the FDCPA

Debtors who are not well informed about their rights under the FDCPA may become prey to Progressive Management Systems. To avoid being tricked into a default judgment, take note of the following rules and regulations by FDCPA:

Debt collectors have no right to contact you at work or ambush you at the workplace.
Progressive Management Systems should maintain an ethical and professional language when getting in touch on the phone, through a letter, or social media interaction.
Progressive Management Systems should not make threats about a court case if they cannot or do not intend to sue you.
The agency has no right to contact you before 8 a.m. or after 9 p.m.

Within this time frame, you have the right to ignore their calls. With a better understanding of your rights as a debtor, you stand a chance to beat Progressive Management Systems in a court case.

Defend yourself against Progressive Management Systems

You need to respond to a lawsuit from Progressive Management Systems and within the court's stipulated time. It doesn't matter if it's valid or not; if you do not respond, you risk losing money anyway through a default judgment.

Follow these three steps to respond to a debt lawsuit against Progressive Management System:

Respond to each claim in the Complaint. You can either admit, deny, or deny due to lack of knowledge. Most attorneys recommend that you deny as many claims as possible. Even if you owe them, do not admit the alleged debt. Instead, ask them to provide enough evidence that you are the legal debtor.
Assert your affirmative defenses. An affirmative defense is any legal reason that PFW should not win the case. For example, the statute of limitations is a common affirmative defense to include in an Answer. There are dozens of other defenses you can use to strengthen your side of the case.
File the Answer with the court, and send a copy to Progressive Management Systems. Ensure you file an answer through your local Clerk of the court within the stipulated time frame; missing the deadline warrants a default judgment. Send your court-stamped response to Progressive Management Systems through mail.

Use SoloSuit to respond to a debt collection lawsuit in 15 minutes.

Learn more about these three steps in this video:

Use these effective defenses in your Answer

Before the court rules in favor of Progressive Management Systems, they must prove that you owe the debt and that the amount quoted in the claim is the exact amount owed. Failure to prove this automatically warrants lawsuit dismissal, and you will win the case.

Progressive Management Systems must prove the following:

The firm has the right to sue you.
You are the legal debtor.
The debt in the lawsuit is the exact amount you owe.

Besides, you could use the statute of limitations approach to challenge the claim. If you tell the court that Progressive Management Systems filed the lawsuit after the statute of limitations had expired, you could win this case.

If the firm sues you after the deadline, you could use this defense against them to win the lawsuit. Also, if your records prove that Progressive Management Systems filed a complaint after the expiration of the statute of limitations, you could file a motion to have the judge dismiss the case.

Another option you may pursue in your defense is filing a countersuit. However, you must prove to the court that Progressive Management Systems went against the provisions of the FDCPA. If you win against the debt collector in the countersuit, they will compensate you for damages and clear the legal fees.

Good luck!

What is SoloSuit?

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You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

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