When Interstate Credit Control calls, it can be confusing because the name is generic and similar to other âInterstate Creditâ companies, making it hard to verify who is actually contacting you. The most commonly referenced entity in complaints is Interstate Credit & Collection, Inc., a Pennsylvania-based collection agency that has operated for over 50 years out of Norristown.
At Consumer Rights Law Firm PLLC, we have been handling debt collection harassment cases since 2010, and we hold a 5-star rating with the Better Business Bureau. The clients who come to us about Interstate Credit Control or Interstate Credit & Collection describe a consistent pattern: calls about debts they do not recognize, calls to family members and third parties, refusal to send written validation, and persistent contact even after disputes are submitted. This guide explains who they actually are, what the legal record reflects, and exactly how to assert your rights when their calls are crossing legal lines.
What Is Interstate Credit Control?
The agency most commonly identified as “Interstate Credit Control” in consumer complaints and federal court records is Interstate Credit & Collection, Inc. a Pennsylvania-based third-party debt collection agency headquartered in Norristown, with President and Owner David S. Rosenberg leading operations.
Verifying which company is calling you is the first step in every case, especially since Pennsylvania has had multiple agencies with similar names over the years. The most commonly referenced active entity is Interstate Credit & Collection, Inc., based in Montgomery County near Philadelphia. David Rosenberg is listed as President/Owner in several industry directories, including the Pennsylvania Collectors Association and the Mid-Atlantic Collectors Association.
Verified Company Information:
- Full Legal Name: Interstate Credit & Collection, Inc.
- Common Variations: Interstate Credit Control, Interstate Credit and Collection
- President / Owner: David S. Rosenberg, IFCCE (International Fellow of Certified Collection Executives)
- Director of Operations: Erin Christunas
- Headquarters: 21 West Fornance Street, Norristown, PA 19401-3300
- Operating Address (Conshohocken Office): 15 E Ridge Pike, Conshohocken, PA
- Primary Phone: (610) 275-2200
- Direct Extension for President: ext. 113
- Fax: (610) 279-8203
- BBB Accredited: No, Interstate Credit & Collection, Inc. is not BBB accredited
- State Regulation: Pennsylvania Collection Agency Bond and Licensing Rules
- Industry Affiliations: Pennsylvania Collectors Association (Board of Directors); Mid-Atlantic Collectors Association
- Type: Third-Party Debt Collector
â Interstate Credit & Collection, Inc. Better Business Bureau Profile
In our practice, the first thing we tell clients about Interstate Credit Control is to confirm which company they are actually dealing with. The Pittsburgh-based “Interstate Credit Corporation” (run by Dan Owens, listed by BBB as no longer in business as of 2011), is a separate and unrelated entity. The Norristown-based Interstate Credit & Collection, Inc. is the active operation. Confirming that the caller is from the correct company at 21 West Fornance Street, Norristown, PA through their main number (610) 275-2200 is the necessary first step before further engagement.
What Type of Debt Does Interstate Credit Control Collect?
Interstate Credit & Collection, Inc. is a third-party debt collection agency in Pennsylvania that works with businesses, medical providers, and other creditors to recover unpaid accounts.
Their typical work includes:
- Sending collection demand letters
- Making phone calls to consumers
- Reporting debts to credit bureaus
- Filing lawsuits for unpaid accounts
- Collecting medical and business receivables
The debts they handle are often small medical or business balances that may come from billing issues, disputes, or forgotten accounts. They are also regulated under Pennsylvania collection agency licensing laws.
Why Is Interstate Credit Control Calling You?
Interstate Credit & Collection typically calls because a local Pennsylvania creditorâoften a medical provider, hospital, or businessâhas assigned a past-due account for collection.
Common situations include:
- Unpaid or insurance-related medical bills
- Old business accounts thought to be closed or written off
- Debts tied to a previous Pennsylvania address
- Wrong-person or mixed-file cases due to similar names
Because it operates regionally, disputes often come down to whether the debt is accurate and properly documented, including billing errors, insurance processing issues, and whether the consumer was ever properly notified before collections began.
Is Interstate Credit Control a Scam?
No, Interstate Credit & Collection, Inc. is a legitimate Pennsylvania-registered collection agency, not a scam. It is not BBB accredited, but it is licensed and bonded under Pennsylvania law and operates in the Southeast PA region with documented industry affiliations.
However, legitimacy does not guarantee compliance, and like many collection agencies, it has faced consumer complaints and legal disputes over its practices. Consumers should still verify all claims before responding.
Verified contact information:
- (610) 275-2200 â Main office (Norristown, PA)
- Some outbound calls may also appear from 610 area code numbers
If they contact you:
- Do not share personal information immediately
- Call the official number directly to confirm the debt
- Request written debt validation before making any payment
- Verify the creditor and original account details first
What Do BBB Records and Consumer Reports Reveal About Interstate Credit Control?
The Better Business Bureau profile for Interstate Credit & Collection, Inc. confirms the company’s leadership, location, and non-accredited status and the broader consumer complaint pattern documented across consumer protection legal sources reflects recurring issues with this category of small regional collection agencies.
â Interstate Credit & Collection â BBB Reviews and Complaints
The BBB states Interstate Credit & Collection, Inc. is not BBB accredited, and lists David Rosenberg as President/Owner and Erin Christunas as Director of Operations. While the company is licensed and bonded in Pennsylvania, lack of accreditation is simply a business choice but can be a factor consumers consider when evaluating complaint handling and dispute processes.
Common consumer concerns reported include:
âą Wrong-person or third-party calls
âą Disputed debts without proper validation
âą Allegations of improper contact or disclosure to others (FDCPA concerns)
Under federal law, collectors generally cannot discuss a debt with third parties and may only contact them once to confirm location without revealing the debt. Pennsylvania also requires collection agencies to maintain proper licensing and bonding, giving consumers additional regulatory protection.
In our practice, when a Pennsylvania-based agency like Interstate Credit Control engages in conduct that may violate the FDCPA, we evaluate whether the same conduct also violates Pennsylvania’s state-level collection requirements. Often, conduct that violates one violates both and the state-level violation can provide additional remedies through Pennsylvania consumer protection law.
What Does the Federal Court Record Show About Interstate Credit Control?
Interstate Credit & Collection, Inc. has been the subject of confirmed federal litigation, with at least one documented FDCPA case filed against the company in federal court.
Confirmed Federal Case â Andernacht v. Interstate Credit Control
Case Citation: Andernacht v. Interstate Credit Control, USDC, CV 02-928 SDS/SRN
This case is documented in the published court rulings list of consumer protection legal authorities, including the Consumer Justice Center P.A. of Minnesota, which maintains a database of significant consumer law cases. The Andernacht case is referenced in the same context as other landmark FDCPA decisions, indicating substantive consumer law issues were addressed in the litigation.
â Consumer Justice Center P.A. â Court Rulings Database (Andernacht v. Interstate Credit Control listed)
In our practice, federal cases that appear in published consumer law authority databases generally involve substantive FDCPA rulings â not boilerplate dismissals. The fact that Andernacht v. Interstate Credit Control is preserved in this kind of legal authority record suggests the case produced legal analysis worth referencing in subsequent litigation.
â Search Interstate Credit & Collection on PACER
â CourtListener â Free Federal Case Search
â Justia â Federal Docket Search
What Calling and Collection Tactics Has Interstate Credit Control Used?
Based on consumer protection legal documentation and what clients describe to our firm, Interstate Credit & Collection has been associated with several specific FDCPA-relevant practices that our attorneys evaluate carefully when reviewing potential cases.
- Third-party contact concerns
Interstate Credit & Collection has been cited in consumer legal resources for alleged third-party contact issues. Under the FDCPA, collectors generally cannot disclose a debt to family, friends, or coworkers and may only contact third parties to confirm location without mentioning the debt. - Wrong-person calls
Consumers report being contacted about debts belonging to someone else or previous residents. Once notified of a wrong number, continued calls may create additional legal concerns under federal law. - Debt validation issues
If a consumer disputes a debt in writing, the agency must stop collection until validation is provided. Failure to respond with proper documentation can be an FDCPA violation. - Time-barred debt concerns
Older debts may fall outside Pennsylvaniaâs statute of limitations. While they can sometimes still be pursued, threatening or filing lawsuits on time-barred debt is not allowed. - Cease communication requests
After a written request to stop contact, collectors can only communicate in limited situations such as confirming no further contact or notifying of legal action. - Complaint pattern
Consumers also report frequent or repeated calls, sometimes involving small balances, which can raise harassment concerns under federal collection law.
What Are Your Rights Against Interstate Credit Control?
Multiple federal and Pennsylvania laws protect consumers when dealing with Interstate Credit & Collection, Inc.
- FDCPA (Federal Debt Collection Law): Limits repeated calls and prohibits harassment, restricts calls to 8 a.m. to 9 p.m., requires written notice within 5 days of first contact, and requires collection to stop if you dispute in writing until verification is provided. It also prohibits contacting third parties like family or coworkers about your debt, requires stopping contact after a written cease request, and bans false threats of legal action. Consumers may recover statutory damages, actual damages, and attorney fees.
- TCPA (Phone Call Protections): Prohibits automated or prerecorded calls without consent, allows $500â$1,500 per illegal call or text, and permits consent to be revoked at any time.
- Pennsylvania State Law (FCEUA / UTPCPL): Applies FDCPA standards at the state level, may allow stronger remedies including treble damages, and is enforced by the Pennsylvania Attorney General.
- FCRA (Credit Reporting Law): Requires accurate credit reporting, generally limits reporting of negative items to 7 years from first delinquency, and allows consumers to dispute errors with both credit bureaus and the collector.
- Pennsylvania Licensing Rules: Requires agencies to be licensed and bonded in the state, with consumers able to verify status and file complaints through the Pennsylvania Department of State.
How to Stop Interstate Credit Control From Calling You?
Step 1: Verify the Caller
First confirm the caller is actually Interstate Credit & Collection, Inc. at 21 West Fornance Street, Norristown, PA, and not a similarly named company. Call (610) 275-2200 directly to verify whether they have an account in your name. Do not share personal information until you confirm the legitimacy of the contact.
Step 2: Document Every Interaction
Keep records of all calls, voicemails, letters, and envelopes. Note whether calls were automated or live, whether the company identified itself properly, and if calls occurred outside 8 a.m. to 9 p.m. Also document any third-party contact, as this can be important for potential FDCPA violations.
Step 3: Send a Cease-and-Desist Letter
Send a written request by certified mail to Interstate Credit & Collection, Inc., 21 West Fornance Street, Norristown, PA 19401. State that you revoke consent for all contact methods and request all communication to stop. Keep proof of delivery, as further contact may strengthen legal claims.
Step 4: Request Debt Validation
Send a written dispute and request full validation of the debt, including amount, original creditor, account history, and supporting documentation. If sent within 30 days of first contact, they must pause collection until verification is provided under federal law.
Step 5: File Complaints
Report issues to the FTC, FCC, CFPB, Pennsylvania Attorney General, and the Pennsylvania Department of State. You may also file a BBB complaint for additional documentation of the dispute.
Step 6: Seek Legal Review
If there are repeated calls, third-party contact, refusal to validate, or inaccurate credit reporting, contact Consumer Rights Law Firm PLLC at (877) 700-5790 for a case review. Many consumer protection cases involving FDCPA, TCPA, and Pennsylvania law may allow recovery of damages and attorney fees.
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 Interstate Credit Control 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 Interstate Credit Control call us at (877)700-5790 for immediate assistance or visit our website at Consumer Rights Law Firm.
Success Stories
- I was constantly getting harassed by debt collectors, and it was affecting my peace of mind. Consumer Rights Law Firm PLLC stepped in, explained my rights clearly, and took immediate action. Within weeks, the calls stopped. I canât thank them enough!
- When I contacted Consumer Rights Law Firm, I didnât expect muchâjust another law firm. But they surprised me! They filed a case on my behalf and negotiated a great settlement. I even got compensation for the harassment. Highly recommended.
- I was getting daily robocalls from a collection agency. Consumer Rights Law Firm PLLC sent them a cease-and-desist letter and started the legal process. The calls stopped almost immediately. These folks know the law and how to use it to protect you.
Frequently Asked Questions About Interstate Credit Control
Is Interstate Credit Control legitimate or a scam?
Interstate Credit & Collection, Inc. is a real, licensed collection agency based in Norristown, Pennsylvania. It is not a scam, but it is not BBB accredited and has been the subject of consumer complaints and FDCPA-related disputes.
Why is Interstate Credit Control calling me?
They are typically calling because a Pennsylvania-area creditor such as a medical provider, hospital, or business placed a past-due account with them for collection. If you do not recognize the debt, you can request written validation within 30 days.
What is the Interstate Credit Control phone number?
Their main number is (610) 275-2200. Calls may also come from local 610 area code numbers used in Southeast Pennsylvania.
What if they contact my family or third parties?
They are generally not allowed to discuss your debt with family, friends, or coworkers. Third-party contact is limited to confirming location information only. Any disclosure or implication of a debt may be a violation and should be documented.
Can Interstate Credit Control sue me?
Yes. They can file lawsuits in Pennsylvania for unpaid debts, but must do so within the statute of limitations (usually 4 years for written contracts). If you are served court papers, you must respond.
Can they report me to credit bureaus?
Yes. They may report collection accounts, but the information must be accurate. You can dispute errors with both the credit bureaus and the agency under the FCRA.
What if the debt is older than 4 years?
In Pennsylvania, most written contract debts have a 4-year statute of limitations for lawsuits. Collecting on older debt through calls is sometimes allowed, but suing on it may be prohibited. Be careful before making any payment on older accounts.
Can I sue Interstate Credit Control?
Yes, if your rights are violated. FDCPA, TCPA, and Pennsylvania consumer protection laws may allow damages for harassment, improper calls, inaccurate reporting, or unlawful collection practices.
What if I already made payments?
Keep records of all payments. If the debt is invalid or improperly collected, you may have potential claims to recover losses depending on the circumstances.
Is it the same as other âInterstateâ companies?
No. Several unrelated companies use similar names. Interstate Credit & Collection, Inc. of Norristown is a separate, active entity and should not be confused with other âInterstate Creditâ businesses.
