Start My Answer

How to Settle Debt With Progressive Management Systems

George Simons | January 31, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
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

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: Feeling overwhelmed by Progressive Management Systems? Know your rights, validate the debt, negotiate a settlement, and if you’re sued, respond to the lawsuit with a written Answer fast to avoid default judgment. Solo can help with all this and more.

If you are being contacted by a debt collector with Progressive Management Systems, it is perfectly understandable if you are feeling anxious, angry, and even scared. Do not throw your hands up in despair. You have options and pathways to effectively and efficiently resolve your debt issue, such as negotiating a debt settlement.

You also have rights and protections under the Fair Debt Collection Practices Act, along with other laws.

Here's everything you should know about Progressive Management Systems and how to engage with them to settle your debt for less.

Settle debt with Progressive Management Systems

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is Progressive Management Systems?

Progressive Management Systems is 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 has been in operation for more than 45 years and works with banks, healthcare providers, credit card companies, credit unions and government agencies on collection matters. Their services include pre-collection, early-stage collections, and debt collection litigation. Below is the contact information for Progressive Management Systems.

  • Phone number: (800) 640-9211
  • Corporate Office: 1521 West Cameron Avenue, First Floor, West Covina, CA 91790
  • Fax Number: +1 626 813 6230
  • Email: collections@pmscollects.com

Who does Progressive Management Systems collect for?

Progressive Management Systems pursues unpaid debts on behalf of multiple companies. Specifically, Progressive Management Systems collects on various types of debts, ranging from medical bills to credit card debt, personal loans, and utilities.

In addition, they are known as a “debt buyer” which means they purchase delinquent accounts from other companies, including companies that operate in the healthcare, finance, telecommunications, and government sectors.

Read Progressive Management Systems reviews online

Looking for information about what other people have said regarding their debt collection experience with Progressive Management Systems? If so, check out these legit online reviews:

It’s fair to say the online reviews for Progressive Management Systems are not all five stars. Nevertheless, there are many reviews indicating consumers can have a productive and positive experience communicating with Progressive Management Systems on a debt collection matter. Let’s look at a real example from a real review:

“I was a bit nervous coming here due to low ratings. I have been out of the country for about half a year, during that time, I missed the Providence Medical bill. Maria Z. was AWESOME! She immediately stated that they will do the full DELETION on the credit report if paid in FULL. They issued a promise letter for a full deletion. If I don't come back and update this rating, they fully honor their promise.”

That Progressive Management Systems review was left five years ago, which goes to show that the company will fulfill their word as long as you do too. Other reviews show that debt collectors with Progressive Management Systems are willing to work with you to resolve your debt issue. Effective communication is incredibly important, however.

Nevertheless, if the idea of calling a debt collector to discuss a debt collector matter sounds like nails on a chalkboard, then consider using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Negotiate a debt settlement with Progressive Management Systems

If you owe the debt and want to avoid going through the contentious and stressful litigation process associated with a debt collection lawsuit, then you should consider negotiating a debt settlement. Progressive Management Systems may agree to settle for a lesser amount than nothing at all, especially if you make a reasonable lump sum offer.

If you were served with a Summons and Complaint regarding a debt collection lawsuit, then now is the time to act and not bury your head in the sand hoping the debt will magically disappear. If you take just a few proactive steps, you could potentially get Progressive Management Systems off your back and get them to accept a significantly lower amount through negotiated settlement.

The debt settlement process can be as simple as following these steps:

  1. Calculate what you can pay towards the balance of the amount owed. For example, if you owe $7,500 and could you reasonably pay half that amount, while still having money left over to cover your necessary living expenses (e.g., rent/mortgage, utilities, food, etc.), then this analysis can serve as a settlement guidepost to help steer negotiations.
  2. Make a reasonable settlement via a debt settlement letter requesting that the firm consider your offer. The settlement offer should be lower than the number you calculated in Step 1. This will leave room for you to negotiate upward if they reject your first offer. Make sure to engage in written settlement communications with Progressive Management Systems and continue to use written communication throughout the process.
  3. Get the agreement in writing. If you have success reaching an agreement on a settlement amount after negotiations, draft a Debt Settlement Agreement for both parties to sign.
  4. Be sure to pay the agreed amount in time to avoid future issues or legal action.

To learn more about debt settlement negotiation, check out this video explaining how you can negotiate a debt settlement on your own:

SoloSettle makes it easy to start the debt settlement negotiation process. Remember to keep copies of all agreements you reach with Progressive Management Systems and honor your part of the agreement.

Settle with SoloSettle

Make an Offer

You have rights under the FDCPA

It is important to know that you have specific rights and legal protections under the Fair Debt Collections Practices Act (FDCPA). Relevant FDCPA rules that apply to the collection of debts include:

  • 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:

  1. 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.
  2. Assert your affirmative defenses. An affirmative defense is any legal reason that Progressive Management Systems 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.
  3. 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!

We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.

Ask a Question.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources

Contents