Capital Collection Management Phone Harassment?
Is Capital Collection Management (CCM) calling you repeatedly? Are they threatening legal action, wage garnishment, or contacting people around you?
If CCM is bothering you with calls multiple times a day, early morning or late at night calls or Discussing your debt with others, all of these are illegal under federal law, and you have the right to make it stop. If a debt collector violates the Fair Debt Collection Practices Act (FDCPA), you may be entitled to up to $1,000 in statutory damages, plus attorney’s fees..
As of 2026, there are no widely reported federal or state lawsuits publicly documented against Capital Collection Management. This does not mean complaints or individual disputes don’t exist — it simply means no major enforcement action or class-action case has been publicly reported.
What matters more for consumers in 2026 is how you respond if CCM contacts you.
Who is Capital Collection Management Debt Collection Agency?
| Detail | Information |
|---|---|
| Business type | Third-party debt collector |
| Location | Syracuse, New York |
| Address | 318 S Clinton St, Ste 400, Syracuse, NY 13202 |
| Main phone | (866) 272-4035 |
Capital Collection Management: Legit or a Scam?
Capital Collection Management is a real company, not a fake operation.
According to the Better Business Bureau (BBB), the company has been in business for several years.
That said, legitimacy does not give them permission to harass you. Even legitimate debt collectors must follow the law. 🔗 Capital Collection Management Better Business Bureau
Why Is Capital Collection Management Calling You?
CCM may be contacting you because they believe you owe a debt related to:
Credit cards
Personal loans
Auto loans
Other consumer accounts
Sometimes, people are contacted by mistake, for the wrong person, or for debts that are old, paid, or inaccurate.
Capital Collection Management Collection Tactics & Solution 2026
| CCM Tactic | What This Means | What You Should Do |
|---|---|---|
| Repeated phone calls | Frequent calls can cross into harassment if excessive | Keep a call log, note times and numbers, and request written communication only |
| Letters or collection notices | These must include accurate debt details | Review carefully, don’t ignore them, and request debt validation in writing |
| Reporting to credit bureaus | Can impact your credit score | Check your credit report for accuracy and dispute any incorrect information |
| Threatening language or pressure | Not allowed under federal law | Save voicemails and letters as evidence |
| Contacting others about your debt | Violates privacy rights | Document the incident and seek legal guidance |
FDCPA Violations by Capital Collection Management (Know the Red Flags)
| Illegal Practice | Why It’s a Problem |
|---|---|
| Calling before 8 a.m. or after 9 p.m. | Time restrictions under FDCPA |
| Calling you repeatedly | Considered harassment |
| Using abusive or profane language | Explicitly prohibited |
| Threatening lawsuits or arrest | False or misleading threats |
| Discussing your debt with others | Violates privacy rights |
| Calling your workplace after being told not to | Not allowed |
| Failing to provide debt validation | Required by law |
| Trying to collect more than legally owed | Unlawful collection |
Capital Collection Management Phone Numbers
- ☎️ 866-272-4035
- ☎️ 315-329-2365
- ☎️ (866) 272-4035
- ☎️ (315) 329-2365
- ☎️ 8662724035
- ☎️ 3153292365
If the answer is yes, then you are receiving calls from a known CCM number.
Your Rights Under Federal Law 2026
FAQs
Q1: Who does Capital Management collect for?
A: Capital Management collects debts on behalf of creditors by either purchasing unpaid debts or managing collections for credit card companies, lenders, and financial institutions.
Q2: What is CMC collection?
A: CMC Collection refers to Capital Collection Management’s process of recovering overdue debts through calls, letters, negotiations, or, in some cases, legal action.
Q3: Is Capital Management a legitimate company?
A: Yes. Capital Collection Management (CCM) is a legitimate debt collection agency based in Syracuse, New York, and has been in operation for over five years.
Q4: What are Capital Collection Management’s debt collection tactics?
A: CCM may use various tactics such as repeated phone calls, mailed notices, credit reporting, or legal threats. However, these actions must comply with the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).
Q5: How can I stop Capital Collection Management phone harassment?
A: You can stop harassment by sending a cease-and-desist letter, disputing the debt in writing, keeping detailed records of all communication, and consulting a consumer protection attorney.
Q6: Can Capital Collection Management sue or garnish wages?
A: Yes. CCM can file a lawsuit or garnish your wages if they obtain a court judgment, especially in cases involving federal student loans or legally enforceable debts.
Q7: Can Capital Collection Management report my debt to credit bureaus?
A: Yes. CCM can report delinquent accounts to credit bureaus, which may negatively impact your credit score. However, you have the right to dispute inaccurate information under the Fair Credit Reporting Act (FCRA).
Q8: Can Capital Collection Management arrest me for debt?
A: No. Debt collection is a civil matter, not a criminal one. Capital Collection Management cannot arrest or jail you for unpaid consumer debts.
Q9: What constitutes harassment by a debt collector?
A: Harassment includes constant or aggressive phone calls, abusive or threatening language, contacting third parties about your debt, or calling outside of legal hours—all violations of FDCPA and TCPA regulations.
Q10: What are my rights under FDCPA and TCPA?
A: Under these federal laws, you have the right to dispute any debt, request validation, stop unwanted calls, and sue collectors for up to $1,000 in statutory damages plus attorney fees if your rights are violated.
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Our team of experienced attorneys specializes in consumer protection and debt collection harassment. Rather than suffer alone, contact our office to begin the process to stop the Capital Collection Management harassment. Our office has been assisting consumers since 2010. We offer a free consultation for potential clients dealing with harassment from debt collectors. We have an A+ rating with the Better Business Bureau.
🔗 Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Capital Collection Management, call us at 📲855-385-8182 for immediate assistance or visit our website at Consumer Rights Law Firm PLLC
Success Stories
“I had a medical collections company calling my number, looking for someone I had never heard of. They kept calling, even tho I told them they had the wrong number. Consumer Rights Law Firm took my case & got them to stop calling, plus they got a monetary settlement for me. I am so appreciative of the help they gave me – Teresa T”
“Mike was nice, informative, and jumped on the case A.S.A.P. Thank you, consumer rights law firm, for speaking up for me when I thought I did not have a voice. The scariest thing to hear from someone is for them to threaten to garnish your wages, and you are barely making ends meet. Once again, thanks for all your help. – Raven Hooker”
“I highly recommend this firm! They stayed on top of the case and myself. I’m sure they had a lot of cases but always treated me as a priority and I truly appreciate that!!! – Sylvester Boyd”
If You Have Any Questions, Feel Free to Visit:
Contact the Pennsylvania Attorney General now:
