If you are receiving calls from EA Uffman & Associates, you may be dealing with one of the oldest and most deeply embedded collection agencies in Louisiana. The name alone can be disorienting, they operate under at least nine trade names, including CSD Collection Specialist, Collection Bureau of Baton Rouge, Collectrite, and Medical Accounts Management Service, among others. That variety of names has caused real confusion for consumers and has directly produced federal litigation. But whatever name appears on your caller ID or collection notice, the same federal and state laws govern every call they make to you, and those laws have teeth.
Consumer Rights Law Firm PLLC has been stopping debt collector harassment since 2010. A+ BBB rated. Call (877) 700-5790 or visit our website for a free case review. You pay nothing. If EA Uffman & Associates broke the law, they pay our fees.
Quick Facts About EA Uffman & Associates
| Detail | Information |
|---|---|
| Full Legal Name | E.A. Uffman & Associates, Inc. |
| Primary Trade Name | CSD Collection Specialist (also listed as CSD Collections Specialist) |
| Other Trade Names | Medical Accounts Management Service; Retail Accounts Management Service; Utilities Accounts Management Service; Collection Bureau of Baton Rouge; CSD of Baton Rouge; Collectrite; Accounts Receivable Management Service; Medical, Dental, Hospital Business Associates |
| Headquarters | 11412 Lake Sherwood Avenue North, Suite A, Baton Rouge, LA 70816 |
| Mailing Address | P.O. Box 77679, Baton Rouge, LA 70879-7679 |
| Founded | 1947 (by Elmer A. Uffman) |
| Incorporated | January 1, 1985 |
| Current Location Since | August 1, 2007 |
| President | Glen N. Uffman |
| Vice President | Beverly Tumey |
| Employees | Approximately 12 |
| Phone | (225) 922-3930 |
| Fax | (225) 922-3938 |
| BBB Status | Not BBB Accredited; A+ rating |
| BBB License | No. 00046841, issued by EBRP Department of Tax & Revenue |
| CFPB Complaints | No public complaint data posted by the CFPB as of available records |
| Debt Types Collected | Medical, dental, hospital bills; retail accounts; utility accounts; NSF (bounced) checks; pre-collection; skip tracing; credit reporting |
| Services | Pre-collection, strategic voice broadcasting, action collection, contract billing, NSF check collection, skip-tracing, forwarding, credit reporting |
Are the Calls from EA Uffman & Associates Legal?
In our practice, small regional agencies like EA Uffman & Associates often generate some of the most specific fact patterns we see utility debts, bounced check collection, and medical accounts where the consumer disputes the amount or the validity of the underlying charge. In many of the cases we review, consumers were never properly notified of the debt in writing before collection activity escalated, which is itself a violation of §809(a) independent of everything else.
Who Is EA Uffman & Associates and Why Are They Calling?
EA Uffman & Associates is a small, privately held, family-operated collection agency based in Baton Rouge, Louisiana. It was founded in 1947 by Elmer A. Uffman, who had previously managed the collection department of the Credit Bureau of Baton Rouge under a 1948 licensing agreement. That historical connection to the Credit Bureau name a connection that later produced federal FDCPA litigation is a thread that runs through the company’s public legal record. Today, the agency is operated by Glen N. Uffman (President) and Beverly Tumey (Vice President) and employs approximately 12 people.
The agency serves a wide range of clients across Louisiana and operates across multiple debt categories. Based on confirmed trade names and service descriptions, they collect on:
- Medical, dental, and hospital accounts
- Retail accounts
- Utility accounts
- NSF (non-sufficient funds) checks
- Pre-collection accounts
If EA Uffman & Associates is calling you, the most likely explanations are: a past-due medical bill, a utility balance, a retail account, a bounced check, or a case of mistaken identity where your phone number was associated with someone else’s account.
Is EA Uffman & Associates Legitimate or a Scam?
EA Uffman & Associates is a legitimate, licensed Louisiana debt collection agency that has operated since 1947 and is still family-owned. However, it uses multiple trade names (such as CSD Collection Specialist and Collection Bureau of Baton Rouge), which can confuse consumers. Courts have previously questioned some of its naming practices as potentially misleading. Because of this, consumers should always request the companyâs full legal name and written debt validation before discussing or paying any alleged balance.
What Consumer Review Platforms Show
A thorough search of consumer review platforms including Yelp, RevDex, ConsumerAffairs, WalletHub, PissedConsumer, ComplaintsBoard, Sitejabber, and Trustpilot found no verified public reviews or complaints for EA Uffman & Associates or its trade names on those platforms as of the time of research. This is consistent with the company’s profile as a small, regional, locally-oriented collection agency with approximately 12 employees operating primarily within Louisiana.
The absence of a substantial public consumer review footprint does not mean complaints do not exist, it reflects the nature of the agency. CFPB records also show no posted complaint data for EA Uffman & Associates as of available public records, which the agency’s small scale and regional focus may explain.
Federal Cases Involving EA Uffman & Associates
EA Uffman & Associates has been named in federal consumer protection litigation. These are verified cases from public court records.
Source: Justia
McKenzie v. E.A. Uffman & Associates
This case involved a consumer who received a collection notice from EA Uffman & Associates using the name âCredit Bureau of Baton Rouge.â He sued under the FDCPA, arguing the name falsely implied the company was a credit reporting agency.
The district court initially ruled in favor of EA Uffman, but the Fifth Circuit reversed. The court held that the name could mislead consumers into believing the collector was a credit bureau or affiliated with one, which violates the FDCPAâs ban on false or misleading representations. The case was sent back for further proceedings and is considered an important Fifth Circuit decision on deceptive collection naming practices.
What this means for you: The McKenzie decision has been cited in FDCPA cases across the country and represents binding authority in the Fifth Circuit which covers Louisiana, Texas, and Mississippi. It established that collection letters using names that imply a government or credit bureau affiliation when none exists are potentially false and misleading under the FDCPA. If you received correspondence from EA Uffman & Associates under any name that could suggest a government, court, or credit bureau connection, document and preserve that letter.
Source: CourtListener
Gilbert v. E.A. Uffman & Associates
A consumer complaint against EA Uffman & Associates was filed in the Eastern District of Louisiana under case number 2:05-cv-01704. Full docket and document access requires a PACER account at pacer.gov.
What this means for you: The FDCPA provides a one-year statute of limitations running from the date of the alleged violation. Federal claims against EA Uffman & Associates have been filed in both the Fifth Circuit and the Eastern District of Louisiana, the federal district that covers the New Orleans area and eastern Louisiana.
Note: Full federal court records are available through PACER (pacer.gov). A PACER account is required for document-level access. Case names, docket numbers, courts, and citations above are verified from Justia, CourtListener, and federal court records.
Your Full Legal Rights When EA Uffman & Associates Is Contacting You
- Fair Debt Collection Practices Act (FDCPA): EA Uffman & Associates is fully covered by the FDCPA as a third-party collector. This includes the 7-in-7 calling cap, the ban on calls outside 8:00 a.m. to 9:00 p.m., the written debt validation requirement within five days, the right to a cease-and-desist, and the prohibition on false, misleading, or deceptive representations including any name that implies a credit bureau or government affiliation. Statutory damages up to $1,000 per case, plus actual damages and attorney fees paid by the collector.
- Telephone Consumer Protection Act (TCPA): If EA Uffman & Associates uses automated dialing or prerecorded voice messages to contact your cell phone without prior written consent, the TCPA applies. Each illegal automated call is worth $500, up to $1,500 for willful violations. Consent is revocable verbally or in writing at any time.
- Fair Credit Reporting Act (FCRA): If EA Uffman & Associates is reporting inaccurate collection account information to credit bureaus wrong balances, wrong delinquency dates, accounts that do not belong to you, you have the right to dispute that information directly with the credit bureaus. Furnishers must investigate within 30 days.
- Louisiana Fair Debt Collection Practices Act (La. R.S. 9:3562): Louisiana’s state FDCPA supplements federal protections and applies specifically to collection activity within the state. It prohibits contacting people who are not the debtor about the debt (except in limited circumstances), and once the consumer requests in writing that contact stop, the collector may only send one notice per month and have limited personal contact.
- Louisiana Unfair Trade Practices Act (La. R.S. 51:1401 et seq.): Louisiana’s broader consumer protection statute prohibits unfair or deceptive trade practices. FDCPA violations may independently constitute violations of the LUTPA, providing additional remedies including actual damages and attorney fees.
- Louisiana Statute of Limitations: Three Years. Louisiana’s prescriptive period on most consumer debts including credit card debt, medical debt, and open accounts is three years under Civil Code Article 3494. This is one of the shortest statutes of limitations in the country. If EA Uffman & Associates is pursuing a debt where the last payment or last acknowledgment of the debt occurred more than three years ago, a court generally cannot enter a judgment against you. Attempting to collect a time-barred debt using threatening or misleading language may violate the FDCPA as well.
- Louisiana Wage Garnishment Protection. Louisiana limits wage garnishment to no more than 25% of a debtor’s adjusted disposable earnings under La. R.S. 13:3881. Creditors must obtain a court judgment before garnishing wages, threats of garnishment without a judgment are false threats under FDCPA §807.
- Louisiana Homestead Exemption. Louisiana exempts homestead property up to $75,000 in value from seizure by judgment creditors under La. Const. Art. XII, §9.
One thing consumers often misunderstand about Louisiana is that the three-year prescriptive period on most consumer debts is genuinely one of the shortest in the United States. When clients come to us about EA Uffman & Associates, we always check the date of the last payment or the last activity on the account. If that date is more than three years ago, the legal calculus changes significantly for the consumer’s benefit.
EA Uffman & Associates FDCPA Violations
| Violation | Example | Statute | Remedy |
|---|---|---|---|
| Calls before 8:00 a.m. or after 9:00 p.m. | Early morning or late-night calls about a medical or utility bill | FDCPA §805(a)(1) | Up to $1,000 per violation |
| More than 7 calls in any 7-day period | Daily multiple calls about the same debt | Reg. F, 12 C.F.R. §1006.14 | Presumption of harassment; up to $1,000 |
| Calls to workplace after consumer asked them to stop | Collector calls employer after verbal request | FDCPA §805(a)(3) | Up to $1,000; actual damages |
| Disclosing debt to family member, neighbor, or employer | Collector reveals debt to third party other than attorney | FDCPA §805(b) | Up to $1,000; actual damages |
| Continuing contact after written cease-and-desist | Calls continue after certified letter demanding they stop | FDCPA §805(c) | Up to $1,000 per call after confirmed receipt |
| Failure to send written validation notice within 5 days | No written notice of debt, creditor name, or dispute rights after first contact | FDCPA §809(a) | Up to $1,000; collection must halt |
| False threats of wage garnishment without a judgment | “We will garnish your wages” before obtaining a court judgment | FDCPA §807 | Up to $1,000; actual damages |
| Using a name implying credit bureau or government affiliation | Collection letter sent under a name suggesting credit bureau affiliation | FDCPA §807; §1692e(16) | Up to $1,000; actual damages (see McKenzie) |
| Collecting a time-barred debt using threatening language | Pursuing a medical or utility debt past Louisiana’s 3-year prescriptive period | FDCPA §807; La. R.S. 9:3562 | Up to $1,000 federal; state LUTPA remedies |
| Automated calls to cell phone without consent | Prerecorded or autodialed calls without prior written consent | TCPA, 47 U.S.C. §227 | $500 to $1,500 per call |
| Inaccurate balance or identity reported to credit bureaus | Wrong balance or someone else’s account on your credit report | FCRA §623 | Actual damages; statutory damages; attorney fees |
What To Do Next: 5 Steps to Stop EA Uffman & Associates
Step 1: Document everything from this moment forward. Record every call: date, exact time, the number that appeared on your caller ID, which trade name the caller used to identify themselves, the name of any representative, and exactly what was said. Do not delete voicemails. Screenshot them and email them to yourself. If they send letters, keep the envelope. Note which name appears on the letterhead, it matters legally. In many of the cases we review, the earliest calls are the ones consumers have already forgotten or cannot reconstruct.
Step 2: Send a debt validation letter by certified mail immediately. Within 30 days of first contact from EA Uffman & Associates, you have the right to demand written validation of the debt. This must include the amount owed, the name of the original creditor, and documentation establishing their authority to collect. All collection activity must stop until written verification is provided. Send to: E.A. Uffman & Associates, Inc., P.O. Box 77679, Baton Rouge, LA 70879-7679. Certified mail only. Keep the green return receipt card.
Step 3: Check Louisiana’s three-year prescriptive period. Before acknowledging any debt or making any payment, verify the date of the last payment or the last activity on the account. If that date is more than three years ago, the debt may be time-barred under Louisiana Civil Code Article 3494 and a court generally cannot enter a judgment against you. Making even a small payment on a time-barred debt can restart the clock in Louisiana.
Step 4: Send a written cease-and-desist if the calls are excessive, threatening, or continuing after prior requests to stop. Under FDCPA §805(c), once EA Uffman & Associates receives your written request, they may only contact you once more to confirm they are stopping or to notify you of specific legal action. Certified mail only. Keep the receipt. Every subsequent call after confirmed receipt is a separate, actionable violation.
Step 5: File regulatory complaints and call a consumer attorney. File with the FTC. File with the CFPB. File with the Louisiana Attorney General’s Consumer Protection Section at (225) 326-6465. Then call Consumer Rights Law Firm PLLC at (877) 700-5790 or visit our website for a free case review. If EA Uffman & Associates violated federal or state law, they pay our fees. You pay nothing.
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 EA Uffman & Associates harassment. Our office has been assisting consumers since 2010. We specialize in helping clients remove inaccurate entries like EA Uffman & Associates from their credit reports. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from EA Uffman & Associates, call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- I had been getting nonstop calls from a debt collection agency, sometimes multiple times a day. I tried blocking numbers and asking them to stop, but nothing worked. A friend recommended Consumer Rights Law Firm, PLLC, and it was the best decision I made. From the first call, they were professional, empathetic, and clearly knew the law. Within a short time, the calls stopped completely, and they even helped me recover compensation. I finally feel like I have control again.
- I wasnât sure if what I was experiencing counted as harassment, but Consumer Rights Law Firm, PLLC explained everything clearly. They walked me through my rights under the FDCPA and took the time to understand my case. Their team handled all the communication with the collection agency, and I didnât have to deal with them anymore. The outcome was better than I expected. If youâre dealing with unfair or aggressive debt collectors, donât wait call them.
- I was dealing with daily stress because of harassing phone calls about an old debt. The calls were rude, persistent, and sometimes even threatening. I felt helpless until I found Consumer Rights Law Firm, PLLC online. Their team immediately took charge, filed a complaint, and got the calls to stop. Not only were they efficient, but they also treated me with respect throughout the process. I would 100% recommend them to anyone in a similar situation.
FAQs
Who is EA Uffman & Associates and why are they contacting me?
EA Uffman & Associates is a debt collection agency that contacts individuals regarding unpaid accounts. If you’re receiving calls, they believe you owe a debt theyâve been assigned to collect.
Is EA Uffman & Associates a legitimate company or a scam?
Yes, they are a real debt collector. Still, itâs important to request a written validation notice to confirm the debt and ensure the communication is legitimate.
Can EA Uffman & Associates legally harass me with phone calls?
No, harassment such as constant calls, threats, or rude behavior is illegal under the FDCPA. You have the right to report or sue them if they break these rules.
What should I do if EA Uffman & Associates keeps calling me?
Record all interactions and send a written request to communicate only by mail. If calls continue, report them to the FTC or CFPB and consider contacting a consumer protection lawyer.
Can I sue EA Uffman & Associates for debt collection harassment?
Yes, if they violate your rights under laws like the FDCPA or TCPA, you may be eligible to sue. Successful lawsuits can result in compensation for damages and legal fees.
Does EA Uffman & Associates use robocalls or spoofed numbers?
Consumers have reported robocalls or calls from unfamiliar numbers. If these are made without your consent, it may be a violation of the Telephone Consumer Protection Act.
Can EA Uffman & Associates hurt my credit score?
Yes, if they report your debt to the credit bureaus, it could negatively impact your credit. You can dispute any inaccurate entries to protect your credit report.
How do I stop EA Uffman & Associates from calling me?
Send a formal cease-and-desist letter asking them to stop phone communication. If they keep calling, file a complaint and consult an attorney about your legal options.
