If your phone keeps lighting up with calls from a company called CMD Account Management or the company Inc it is natural to feel stressed confused and even scared. Maybe the caller is talking very fast. Maybe they are demanding money for a debt you barely remember or do not recognize at all. Maybe they are calling over and over even after you asked them to slow down or to stop.
This experience is so common that people go online and search phrases like the company harassment or CMD Account Management Inc complaints just to figure out what is happening and what they can do about it.
The good news is that in the United States you have strong consumer rights when any third party collector contacts you. Federal law and many state laws limit what a collector is allowed to say and how they are allowed to behave. If a company such as CMD Account Management ignores those rules you may not only be able to stop the calls you may also be entitled to money damages in some situations.
This guide walks you step by step through what that is what harassment really looks like under the law and how you can respond calmly and confidently.
Who is CMD Account Management Inc
CMD Account Management Inc is listed in public business directories as a debt collection agency based in Baltimore Maryland. These directories and state records show addresses in the Baltimore area such as Pratt Street and President Street along with other office addresses in Cockeysville Maryland for some registrations.
Industry sites that track collection firms describe CMD Account Management Inc as a company that helps other businesses collect unpaid accounts. That can include sending demand letters making collection calls reporting accounts to credit bureaus and in some situations taking legal steps to pursue payment.
Consumer law firms and complaint forums also mention the agency by name. Some of them invite people to contact a lawyer if they believe they are being harassed by this particular agency.
Taken together this information shows that CMD Account Management Inc is a real debt collector that has been operating for many years. That does not say anything about whether their behavior is lawful in your specific case. It only confirms that the name belongs to an actual collection business rather than a one time scam caller.
Why so many people search CMD Account Management Harassment
When people search online for CMD Account Management harassment it usually means something about the contact has felt wrong.
For example they may have experienced some of the following.
- 👉 Frequent calls sometimes several times a day
- 👉 Calls at times they feel are unreasonable
- 👉 Pressure to pay immediately without a clear explanation of the debt
- 👉 Threats about lawsuits garnishment or even arrest
- 👉 Hostile or rude language from the collector
- 👉 Confusion about who the original creditor is
In some cases the person does not even recognize the debt. In others they agree the debt exists but feel the way the collector is treating them is aggressive and unfair.
Debt collection is never pleasant. It always creates some level of stress. The key question is whether what you are experiencing is simply unwelcome pressure to pay or whether it crosses the legal line into harassment. To answer that it helps to understand how debt collection laws define abusive conduct.
What the law calls harassment by a debt collector
In the United States the main federal law that covers third party debt collectors is the Fair Debt Collection Practices Act often shortened to FDCPA. The and the Federal Trade Commission both enforce and explain these rules.
Under these rules a collector is not allowed to use conduct whose natural result is to harass oppress or abuse any person in connection with the collection of a debt. Regulatory guidance gives examples of behaviors that often count as harassment.
- ➡️ Repeated or continuous calls with the intent to annoy or abuse you
- ➡️ Calling very early in the morning or late at night generally before eight in the morning or after nine in the evening in your time zone
- ➡️ Use of obscene or profane language
- ➡️ Threats of violence or harm
- ➡️ Repeated calls to your workplace after being told you cannot receive such calls there
- ➡️ Calls to third parties such as neighbors or relatives that go beyond the limited purpose of locating you
Regulators have also clarified that excessive call frequency and repeated contact shortly after a conversation can be evidence of harassing conduct.
If representatives from CMD Account Management are engaging in any of these patterns there is a real chance that what you are facing fits the legal idea of harassment rather than just routine collection work.
Is CMD Account Management a scam or a legitimate company
It is important to separate two different questions.
- ✅ Is the caller using the name the agency pretending to be a collector while actually running a scam
- ✅ Or is CMD Account Management Inc a real collection agency but possibly behaving in an abusive or unlawful way
Public records and business directories show that CMD Account Management Inc is a legitimate corporation formed in Maryland years ago and still listed as active with some state authorities.
At the same time various consumer law firms have published pages talking about complaints related to the company harassment and inviting potential clients who want to pursue claims.
So the situation is usually not a pure scam where someone invented a random company name. Instead it is more likely that a real collector is calling about what they believe is a real debt and the concern is over how they are going about it and whether the debt is valid accurate and still legally collectible.
That is why the smartest response is neither to panic and pay immediately nor to ignore every call. The best approach is to slow down verify what is happening and then use your rights to control the situation.
Your key rights when dealing with CMD Account Management
Federal law gives you a set of core protections whenever you deal with any third party collector including CMD Account Management. The rules below summarize information from the the Federal Trade Commission and legal commentary on debt collection law.
The right to clear information
Collectors must tell you basic facts about the debt and about themselves. For example
- ➤ The name of the collector
- ➤ The amount of the debt
- ➤ The name of the original creditor
- ➤ A statement that the communication is from a debt collector
Soon after first contact you should receive a written notice with this information and a description of your rights to dispute the debt.
✔️ The right to dispute and request validation
If something does not look right you have the right to dispute the debt. When you dispute in writing within the time window described in the notice the collector usually has to stop collecting until they send you verification information.
Even if the official window has passed you can still ask for more information about the debt such as details about the original account history or why the amount is what it is.
✔️ The right to be free from harassment
Collectors cannot use abusive language threats or a pattern of calls whose natural result is to harass or oppress you. They also cannot exaggerate legal consequences or pretend to have powers that they do not actually have.
If you feel intimidated insulted or overwhelmed by how oftenthe company is calling there is a real chance your harassment rights are relevant.
✔️ The right to control communication
You have the right to tell a collector to stop calling your workplace if your employer does not allow such calls. You can also send a written letter asking the collector to stop contacting you completely except for a few specific situations such as confirming that they will stop communication or notifying you about a real legal action.
Once the collector receives a proper written request the law sharply limits further contact.
✔️ The right to privacy
Collectors generally cannot discuss your debt with other people. They may contact some third parties strictly to obtain location information but they cannot go into detail about what you owe and why. If a representative from CMD Account Management is speaking about your debt to relatives neighbors or your employer in a way that goes beyond what the law allows that can be a serious violation.
How to respond step by step when CMD Account Management contacts you
Here is a practical roadmap you can follow. You can move through these steps at your own pace and adapt them to your situation.
Step one
Stay calm and gather information
The first time you answer a call from CMD Account Management you probably feel surprised or even scared. Take a breath and treat the call like collecting data.
You can calmly ask things such as
- ➜ Who am I speaking with
- ➜ What is the name of your company
- ➜ Who is the original creditor
- ➜ What is the total amount you claim I owe
- ➜ What is the account number or reference number
Write these details down. You do not need to agree to pay anything during this first conversation. Your main job is to learn exactly who is calling and why.
If you prefer not to speak by phone you can request that the collector send you information in writing and then end the call politely.
Step two
Start a contact log
From the very first call keep a written record. Each time they contacts you record the date time phone number and a brief summary of what was said.
If the caller raises their voice uses insults makes threats or keeps calling even after you said you could not talk write that down in detail. This log is often very helpful for regulators or lawyers in showing a pattern of harassment.
Step three
Review or request the written notice
Collectors are required to send a written notice containing key details about the debt and your rights. Watch your mail carefully for a letter that matches the name CMD Account Management or CMD Account Management Inc.
If you do not receive anything soon you can send your own letter requesting that they provide all required information about the debt in writing.
Step four
Decide whether to dispute the debt
Ask yourself a few questions.
- 👉 Do I recognize this debt
- 👉 Does the amount look too high
- 👉 Could the debt be too old to sue on under my state limit
- 👉 Is there a chance I am a victim of identity theft or mistaken identity
If you have doubts send a written dispute and request for validation. In that letter you can say that you dispute the debt and ask them to send proof that you owe it and that the amount is correct. During the validation process they should pause active collection.
Step five
Set ground rules for contact
Even if the debt is valid you still control how the collector communicates with you.
If calls at work are putting your job at risk you can clearly state that your employer does not allow such calls and that you want all communication to come through your personal phone or mail.
If you feel overwhelmed you can send a formal letter asking the company to stop contacting you entirely. Keep a copy of that letter and send it through a mailing method that gives you proof of delivery.
After a proper stop contact request they can only communicate a few times for specific reasons such as confirming that they will stop contact or informing you of real legal steps.
Step six
Consider speaking with a consumer law attorney
If your log shows abusive language very frequent calls threats of lawsuits or contact with your family or employer it may be time to talk with a lawyer who focuses on consumer rights and debt collection harassment.
Many such lawyers review cases for free and often only charge fees if they recover money from the collector or from insurance. Sites that specifically mention CMD Account Management harassment are usually run by law firms that handle these exact kinds of cases.
Bring your call log any letters you have received and any notes about your financial situation so the lawyer can give you specific guidance.
Sample phrases you can use on the phone
When you feel pressured it can be hard to think of what to say. These short scripts can help you keep control of the conversation.
If the caller catches you at a bad time
I am not able to discuss this right now. Please send everything to me in writing at the mailing address you have on file.
If you want to make it clear that you understand your rights
I am willing to review any information you send in writing but I will not agree to anything over the phone today. I understand that under federal law I have the right to dispute this debt and request validation.
If the caller is being aggressive or rude
The way you are speaking to me is not acceptable. I am ending this call now. Any further contact should follow the law and be professional.
If they call your workplace and you want that to stop
My employer does not allow personal collection calls at this number. Do not call me at work again. You may contact me in writing or on my personal phone number only.
After using any of these phrases make a note in your contact log so you have a dated record of what you told them.
Sample ideas for a written dispute or stop contact letter
While this article cannot draft a perfect letter for your exact situation it can give you some building blocks. A basic debt validation request often includes the following elements.
- ✅ Your full name and mailing address
- ✅ The date
- ✅ The name and address of CMD Account Management Inc
- ✅ A line identifying any account number they used in their letter
- ✅ A clear statement that you are disputing the debt and requesting validation
- ✅ A request that they provide the name of the original creditor the full account history and any documents that show you are responsible for the debt
A stop contact letter usually includes
- ➤ Your identifying information
- ➤ The date
- ➤ The collector information
- ➤ A statement such as This letter is my formal request that you cease all communication with me about the above referenced account except where the law allows limited communication
Always keep a copy of any letter you send and use a mailing method that provides proof of delivery so you can show that CMD Account Management received it.
Mistakes to avoid when dealing with CMD Account Management
When you are under pressure it is easy to make quick decisions that you later regret. Here are some common pitfalls to watch out for.
Ignoring every call without ever gathering information
It is tempting to block the number and hope the problem goes away. In reality collectors rarely forget about an account. If they cannot reach you by phone they may escalate to letters or even legal action. It is better to at least confirm who is calling what debt they claim and whether the debt is within the time limit for legal action.
Making a rushed payment you can not afford
Sometimes a collector uses strong emotional pressure to push you into paying immediately even if that means skipping rent or food. Step back and remember that you have the right to review the debt and to ask for a realistic payment arrangement or to say no.
Admitting to a debt you are not sure about
If you say things like I know I owe this or You are right I just forgot to pay that may later be used as evidence that you accepted responsibility. If you have doubts do not make admissions. Instead use neutral phrases such as I need to see documentation before I make any decisions.
Letting fear of a lawsuit control your choices
Collectors may mention legal action to get your attention. In some cases a lawsuit is a real possibility but in others it is unlikely. Either way you do not need to agree to a bad deal out of panic. If you receive actual court papers speak with a lawyer right away. Until then focus on using your rights to control communication and verify the debt.
When CMD Account Management harassment may become a legal claim
If CMD Account Management Inc repeatedly violates the rules there can be consequences beyond just stopping the calls.
Under FDCPA consumers may be able to recover statutory damages actual damages and attorney fees if they prove that a collector broke the law.
Examples that might support a legal claim include
- ➥ Frequent calls intended to annoy or harass after you clearly asked them to stop
- ➥ Threats of arrest jail or immediate legal action that the collector has no real plan or ability to carry out
- ➥ Repeated calls to your employer after you said your job does not allow such calls
- ➥ Telling other people about your debt when there is no legal reason to do so
- ➥ Misrepresenting the amount you owe or pretending to be an official from a court or government agency
A consumer rights lawyer can evaluate your log and any recordings or letters and tell you whether these facts might meet the standard for a claim.
🏆 Success Stories
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“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
FAQs
What does CMD Account Management do❓
CMD Account Management Inc is a debt collection agency. They contact consumers on behalf of creditors to collect overdue accounts. Their communication may include phone calls mail letters and sometimes credit reporting depending on the account type.
Why is CMD Account Management calling me❓
They are usually calling because they believe you owe a debt to one of their client companies. In some cases they may be calling the wrong person because of outdated or incorrect information. This is why it is important to request written validation of the debt.
How do I know the debt CMD Account Management claims is real❓
Collectors must send you a written notice explaining the debt amount creditor name your rights and how to dispute the debt. If anything seems unfamiliar always dispute the debt in writing and ask for validation. Do not assume the debt is accurate until you see documentation.
Can CMD Account Management call me multiple times a day❓
Frequent or repeated calls designed to annoy or pressure you may qualify as harassment. While collectors can call you within certain hours they cannot abuse or oppress you by calling excessively or ignoring your request to stop calling your workplace.
Can CMD Account Management contact my family or employer❓
Collectors cannot talk about your debt with others. They are allowed to call a third party only to ask for your location information but they are not allowed to discuss the debt details. If CMD Account Management is talking to your relatives or employer about the debt you should document it and seek legal help.
How do I make CMD Account Management stop calling me❓
You can send a written cease communication request. Once they receive it they must stop contacting you except for a few legally allowed notices. Always send this letter by certified mail and keep a copy for your records.
What should I do if CMD Account Management is rude or threatening❓
Write down everything in your contact log because threats abusive language or inaccurate statements may be FDCPA violations. If the conduct is serious consider speaking with a consumer rights attorney who can help you understand your options.
Can CMD Account Management sue me❓
They can choose to sue in some cases but only within your state’s statute of limitations. A lawsuit must be delivered formally through the court not by phone or text. Never ignore official court papers. If you receive a summons you should speak with a local attorney immediately.
What if CMD Account Management is trying to collect a debt that is too old❓
Many states have a time limit called the statute of limitations. If the limit has passed collectors cannot successfully sue you for the debt. Ask a lawyer or legal aid organization about the limit in your state before agreeing to any payment arrangement.
Can I get money damages if CMD Account Management harasses me❓
Yes. Under the Fair Debt Collection Practices Act consumers can sometimes recover statutory damages and attorney fees if the collector violates the law. Many consumer lawyers offer free consultations and only get paid if they win your case.
🎯 Final thoughts
Dealing with calls from CMD Account Management or any other collector is stressful. When the calls feel relentless or aggressive it is natural to worry that the collector has all the power and that you have no good options.
In reality the law gives you a clear set of rights. You can demand information. You can dispute debts that look wrong. You can insist on respectful treatment. You can control how and where a collector contacts you. And when a company ignores those limits and engages in true harassment you may be able to hold them accountable.
If you are facing what feels like CMD Account Management harassment take it step by step.
- ✅ Learn who is calling and why
- ✅ Keep a careful log of every contact
- ✅ Use your right to dispute and request validation
- ✅ Set firm rules about how they may contact you
- ✅ Reach out to a consumer rights lawyer or legal aid if the behavior seems abusive
You do not have to figure this out alone and you do not need to let fear or confusion control your decisions. With information and support you can move from feeling overwhelmed to taking confident action to protect yourself and your household.
