Credit Management Telephone Calls and Phone Harassment?
*Is Credit Management (CM) calling you?*Stop Credit Management phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop CM phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
The FDCPA protects consumers from abusive debt collection practices related to household debts, including car loans, medical bills, and credit card debt, but does not cover business debts. These protections focus on consumer debt, which includes personal, family, and household debts, while business debts are generally excluded from FDCPA coverage.
Is Credit Management a Scam?
According to the Better Business Bureau website, Credit Management has been in business for 17 years. There have been 238 complaints filed against CM with the BBB.
Credit Management Better Business Bureau
Who is Credit Management debt collector?
Credit Management is a third party debt collector located in Plano, Texas. Credit Management is a debt collection agency; collection agencies and collection companies are third-party entities regulated by law. They have been a party to over 70 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that Credit Management used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. A debt collector may only take certain actions, such as collecting additional fees or initiating legal action, if these are permitted by the agreement creating the debt or by law.
Address: 6080 Tennyson Pkwy STE 100
Plano, TX 75024-6002
Phone: (972) 862-4200
Credit Management Fair Debt Collection Practices and Collection Tactics
If Credit Management engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
Law limits what debt collectors can do under both federal laws and state laws, including restrictions on attempts to collect interest or fees not authorized by the original agreement or by state law. State laws may provide additional protections beyond federal laws, so it is important to understand both when dealing with debt collectors.
Do not share personal or financial information with a debt collector until you obtain verification of the debt. If you have a disputed debt, you have the right to request verification, and the debt collector must cease further communication until verification is provided.
You are not required to enter into a payment agreement you cannot afford, and any payment agreement should be in writing. Be aware that making a partial payment may have legal implications, especially if the payee has previously accepted partial payments as full settlement.
Credit Management Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-377-7723, 713-231-1866, 866-913-4426, 972-862-4200, (800) 377-7723, (713) 231-1866, (866) 913-4426, (972) 862-4200, 8003777723, 7132311866, 8669134426, 9728624200
If the answer is yes, then you are receiving calls from a known CM number. You may be a victim of CM phone harassment. The list above is not all the numbers that CM uses. The calls can be from a different number and it still be Credit Management calling you. Contact our office right away so we can start the process to stop CM from calling you illegally. Above all, no one should live with harassment!
Reporting Debt Collector Abuse
If you believe a debt collector has crossed the line with abusive or unfair debt collection practices, you don’t have to put up with it. The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers like you from harassment, false or misleading representations, and other unfair debt collection tactics.
Here’s what you can do if you’re experiencing debt collector abuse:
1. File a Complaint:Start by reporting the collection agency to the Federal Trade Commission (FTC) and your state’s Attorney General’s office. You can also reach out to the (CFPB) for help. These government agencies investigate unfair debt collection practices and can take action against debt collectors who break the law.
2. Keep Detailed Records:Document every telephone call, letter, or other contact from the debt collector. Write down dates, times, the name of the person you spoke with, and what was said. Save any written notice or correspondence you receive. This information can be crucial if you decide to pursue legal action in state or federal court.
3. Notify the Better Business Bureau:Filing a complaint with the Better Business Bureau (BBB) or your local business bureau can help warn other consumers and put additional pressure on the collection agency to follow fair debt collection practices.
4. Send a Written Notice:If you want the debt collector to stop contacting you, send a written notice by certified mail requesting that all further contact cease. While this can stop unwanted telephone calls and letters, remember that the collection agency may still pursue other collection activities, such as filing a lawsuit to collect debts owed.
5. Know Your Rights:Debt collectors cannot use obscene or profane language, threaten legal action they cannot take, or make false or misleading statements about your debt. They must provide you with a written notice detailing the amount owed and the name of the original creditor. If you believe the information is incorrect, you have the right to dispute the debt.
6. Seek Professional Help:If you’re overwhelmed by collection efforts or struggling with multiple debts, consider speaking with a credit counselor or financial advisor. They can help you understand your options, negotiate with creditors, and create a plan to regain control of your finances.
Common Questions
Is CM a scam? No, Credit Management has been in business for 17 years.
Can Credit Management garnish my wages? Yes, CM can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Certain federal benefits, such as supplemental security income, are generally protected from garnishment, except in cases involving delinquent taxes or court orders to pay delinquent taxes.
Can CM sue me? Yes, CM can sue you so long as the debt is within the statute of limitations. If a debt collector contacts you about an unpaid debt or delinquent debts, you have the right to dispute the entire debt and request verification before any legal action proceeds.
Can CM report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. Credit reporting agencies and credit reporting companies receive information from debt collectors, and debts may appear on your credit reports, affecting your credit reporting.
Can CM arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets. Debt collectors cannot threaten or initiate criminal prosecution or institute criminal prosecution for unpaid debts, except in rare cases such as bad check violations where a government agency or federal agency is involved and probable cause exists.
Can CM freeze my bank account? If Credit Management obtains a court judgment against you, they may be able to freeze your bank account to collect debt. A court order may allow a creditor to access your bank account at a financial institution to collect debt, but certain protections apply.
What should I do if I owe the debt or owe money? If you owe the debt or owe money, you should review your rights and options. You can negotiate a payment plan, but you are not required to pay more than you owe, and you should be aware of your rights regarding collection efforts and court costs if legal action is taken.
Who can I contact for help? If you believe your rights have been violated, you can file a complaint with your state’s attorney general’s office, a relevant government agency, or a federal agency for assistance.
The following is a sample list of complaints filed against Credit Management in the past year and can be found on Pacer.org.
1:11-cv-01093-TDS-LPA Wiggins v. Credit Management
1:17-cv-00381-CCE-LPA Knowlin v. Credit Management
1:13-cv-02316-DCN Bates v. Credit Management
1:16-cv-00350-TLS Thomas v. Credit Management
1:11-cv-04151-JEI-AMD Curry v. Credit Management
About Us
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Credit Management harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Credit Management call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“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!!”
Check out the links below for more information:
https://consumerlawfirmcenter.com/accelerated-receivables-management-inc-phone-harassment/
https://consumerlawfirmcenter.com/acb-receivables-management-debt-collection-harassment/
https://consumerlawfirmcenter.com/abc-amega-phone-harassment/
https://consumerlawfirmcenter.com/stop-collection-agency-debt-harassment/
https://consumerlawfirmcenter.com/bureau-of-accounts-control-phone-harassment/
https://consumerlawfirmcenter.com/meridian-financial-services-phone-harassment/
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https://consumerlawfirmcenter.com/collecto-inc-phone-harassment/
