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. Read more here: 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 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 different phone numbers 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.
Complaints Against Credit Management
The following is a sample list of complaints filed against Credit Management in the past year and can be found on Pacer.gov.
- 🔗 1:11-cv-01093-TDS-LPA Wiggins v.
- 🔗 1:17-cv-00381-CCE-LPA Knowlin v.
- 🔗 1:13-cv-02316-DCN Bates v.
- 🔗 1:16-cv-00350-TLS Thomas v.
- 🔗 1:11-cv-04151-JEI-AMD Curry v.
Consumer Rights Law FIrm PLLC
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. 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.
Success Stories
- 🏆 Matthew and his colleagues are GREAT! The whole process took just over a month. I was receiving harassing phone calls/voicemails, and the case was settled in a timely manner. No more harassing phone calls/voicemails, and my debt was completely waived! I will highly recommend Consumer Rights Law Firm to friends, family, and/or anyone else who is suffering from something similar to the situation I had. Thank you Matthew and CRLF
- 🏆 I can’t thank Consumer Rights Law Firm enough with helping me settle my debt! No more harrassing calls and feeling nervous whenever I get those types of calls and thank you to Scott and his team for helping me with the whole process. And their help cost me ZERO DOLLARS. I will definitely recommend this team to help others that I know who’s also struggling with their debts and harrassing calls. Thank you again!
- 🏆 I had a scam agency contact me about a debt i never had. I called consumers rights law form for some help and talked to Matt and explained to him what happened he helped me out immediately. He asked for their number he can call back and ask general questions cause right out the back he said they were a scam agency and wanted to clarify. So after a few minutes he called me back saying yup they are a scam agency and not to worry about them but if they continue to contact me just to let them know that they will be hearing from the law form.. Overall Matt was very professional and very helpful with the situation.
Frequently Asked Questions
1. What is Credit Management and how do they collect debts?
Answer: Credit Management is a debt collection entity (or collection agency) that seeks to recover overdue debts on behalf of creditors. They may contact debtors via phone, mail, email or other permitted channels to demand payment, validate debts, or negotiate repayment.
2. What constitutes harassment by a debt collector like Credit Management?
Answer: Harassment by a debt collector includes repeated or continuous communications intended to annoy or abuse, use of profane or threatening language, threats of violence or legal action not permitted by law, disclosing your debt to others, or calling at unreasonable times.
3. How many times can Credit Management call me before it’s harassment?
Answer: Under debt collection rules, calls may be presumed abusive if more than seven calls are made in a seven-day period regarding the same debt, or if calls are made within seven days after a phone conversation about that debt.
4. Can Credit Management contact me at my workplace?
Answer: Yes, but only under strict conditions. If you inform them (or your employer) that calls at work are not allowed, they must cease calling you there. They may verify employment only if it is necessary, but they cannot discuss your debt with your employer or coworkers.
5. Is it legal for Credit Management to threaten legal action or wage garnishment?
Answer: No, not unless they truly intend to follow through and the threats are lawful. False threats of lawsuits, garnishment, arrest, or legal consequences when no legal basis exists are prohibited.
6. Can I dispute the debt with Credit Management?
Answer: Yes. You have the right to request validation of the debt within 30 days of receiving a collection notice. Credit Management must provide proof of the debt (such as original creditor details, amount owed) before resuming collection.
7. How do I get Credit Management to stop calling me?
Answer: You can send a written “cease and desist” or “do not contact me anymore” request. Once they receive it, they must stop contacting you, except to notify you of specific actions (e.g. if they plan to file a lawsuit).
8. What laws protect me from harassment by Credit Management?
Answer: In the U.S., the Fair Debt Collection Practices Act (FDCPA) restricts abusive or harassing practices by third-party debt collectors. Other relevant rules include the Debt Collection Rule and your state’s consumer protection laws.
9. Can I sue Credit Management for debt collection harassment?
Answer: Yes. If Credit Management violates the FDCPA or other applicable laws, you may have a right to bring a lawsuit. You could recover statutory damages (often up to $1,000), actual damages, and attorneys’ fees and costs.