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Turtle Creek Assets Phone Harassment?

Did you know? Of all the complaints reported to the CFPB by dissatisfied consumers, debt collection harassment from debt collectors like Turtle Creek Assets takes the top spot as it receives the highest number of complaints each year. This holds true because debt collection has grown exponentially to become a $1 trillion industry and due to the constantly changing financial climate, many Americans find themselves in situations where they struggle to repay debts and thus find themselves in the web of debt collectors like Turtle Creek Assets and their harassing collection tactics. Little wonder you may currently be receiving calls from Turtle Creek Assets.

The sad reality is that many consumers are unaware that there are laws put in place to protect their rights, therefore, they fail to understand that many tactics employed by collection agencies like Turtle Creek Assets phone harassment are illegal and preventable by simply understanding their Turtle Creek Assets debt collection rights which also applies to every other third-party collection agency. For this reason, we have compiled a free e-book to help you understand your rights. Click here to take the quiz and win the book.

If you are being persistently called by debt collectors from Turtle Creek Assets debt collection at inconvenient hours or your place of work when you’ve told them that your employer does not permit such calls it is unethical and considered Turtle Creek Assets phone harassment and a violation of the Fair Debt Collection Practices Act (FDCPA) and your consumer rights. Contact a qualified consumer rights attorney on 877-700-5790 to get immediate assistance.

The instances stated above are just one example of how debt collectors can break the law. Here is a more comprehensive list.

What debt collection practices are prohibited by federal law? 

The FDCPA prohibits certain conduct, such as:

  • Furnish unauthorized third parties with information regarding your debt. During Turtle Creek Assets debt collection, information regarding your debt should not be revealed to any other person.
  • Threatening to carry out legal action they are not permitted to carry out. Turtle Creek Assets’ debt collection can not lead to you going to jail or getting arrested.
  • Threatening to damage your credit score, to cease your property, or to garnish your paycheck. They do not reserve the authority to carry out such actions.
  • Making repeated telephone calls (especially at inconvenient times—before 8:00 a.m. and after 9:00 p.m) with the intent to disturb and harass you. That is considered Turtle Creek Assets phone harassment. 
  •  Calling for you at your place of employment especially after being told to desist from such actions. This also is Turtle Creek Assets phone harassment. 
  •  Informing your boss that it is a debt collection call meant for you
  • Using any form of unprofessional language, including but not limited to obscenities, insults, or racial or ethnic slurs in their conversation with you.
  • Sending you falsified court documents in a bid to get you to pay up faster.
  • Asking for post-dated checks
  • Misrepresenting themselves as agents of the law while trying to collect the debt
  • Furnishing you or other third parties with wrong information in a bid to collect on a debt
  • Threatening to have you arrested or put behind bars. Again, they do not reserve the authority to carry out such actions.

The specific laws in your state may further regulate collection practices in addition to the restrictions placed upon debt collectors by the FDCPA. You must make inquiries about what your state laws say regarding debts and debt collection or contact a qualified consumer rights attorney today.

How to stop Debt Collection Harassment

Has a debt collection agency like the Turtle Creek Assets called you over a debt and you felt intimidated or threatened? Has the Turtle Creek Assets scolded you over a debt and you felt like a kid that stole a candy bar from a store? Even if you owed a creditor the money in the whole country, the debt collection agency has no right to harass you. The Turtle Creek Assets can go out of line and make you uncomfortable. That is in no way acceptable

The Fair Debt Collection Practices Act (FDCPA) is a set rule that stands against any form of debt harassment. So has an agent from the Turtle Creek Assets ever harassed you on a phone call or in public before? Report the matter to the Federal Trade Commission (FTC) or do any of the following.

• Tell the debt collector to stop calling you at wrong hours: whether it be earlier or later or even during working hours, you can tell the agent from the Turtle Creek Assets to stop calling you. When you’re free you could pick the call so that you’re not under pressure to accept a debt payment that shouldn’t be.

• Send a cease and desist letter. This is a great way to stop debt collectors from calling you.

• Report to the proper authorities: record all conversations you have with your debt collector so that if you’re being threatened you can have proof. The higher authority could be the FTC, or the Attorney General of your state.

• Make sure not to keep quiet over any harassment case, because winning a lawsuit against the Turtle Creek Assets on account of debt collection harassment could wave off your debt completely, but keeping quiet about it would only yield a bad fruit you’d have to chew.

Who is a consumer rights attorney and why do I need one?

A consumer rights attorney is a legal practitioner trained to protect clients from aggressive debt collection actions of third-party debt collectors. Most methods or techniques engaged in by debt collectors to facilitate the speedy recovery of debts are sometimes illegal and can lead to emotional and psychological distress for the consumer. These illegal behaviors can be tabled in the court of law by a consumer rights attorney, on behalf of his harassed client as a violation of the Fair Debt Collection Practices Act (FDCPA) on the part of the debt collector.

Certain Debt collector actions that can be proven as a violation of the FDCPA by a Consumer rights attorney on behalf of a client include;

  1. Excessive telephone calls, letters, emails, or text messages by the debt collector to the debtor.
  2. Telephone calls at an inappropriate time apart from the approved time frame of the FDCPA which is after 8 a.m. in the morning and before 9 p.m. at night.
  3. Excessive telephone calls to the place of work of the debtor.
  4. Use of offensive words, insults, or other inappropriate languages when addressing the debtor.
  5. Making violent threats
  6. Making up lies and using deceptive methods to receive payments from the debtor.
  7. Harassing the debtor’s relatives and acquaintances with phone calls in a bid to reach the debtor.
  8. Contacting the debtor directly when they have retained legal representation.


When a debtor notices some or all of these actions of a debt collector and has pieces of evidence to prove it, he/she can employ the services of a consumer right attorney and can sue the debt collector to court. This lawsuit, if successful, can help the debtor obtain financial compensation, according to the law, for the damages and problems the illegal actions of the debt collector have caused. Also, the court will issue an order according to the FDCPA guidelines, to help stop the actions of the debt collector that count as harassment or abuse.

It is always advisable to get the services of a consumer rights attorney, who can handle the case excellently when facing harassment or abuse for debt collectors. This can help prevent further harassment and even get you the compensation you deserve for your trouble.

To increase your chances of having a successful lawsuit, a good consumer rights attorney is essential. Therefore, a suitable consumer rights attorney that can defend you in your case against a debt collector’s violation successfully should;

  1. Be certified to legally practice consumer law.
  2. Have previous experience dealing with consumer protection cases.
  3. Understand fully the local, state, and federal laws that apply to the case of the debt collector’s harassment of the debtor and violation of the FDCPA.

What are your fees?

A client who employed the services of a consumer rights attorney should be willing to pay the charges of the attorney which can vary depending on the law firm involved, the case, or other factors. However, in the situation where a consumer sues a debt collector for harassment or violation of FDCPA, if the lawsuit is won, the court will most likely decree that the attorney fees of the client should be covered by the erring debt collection agency.

Can I represent myself in court during a debt collection hearing?

To get the desired result from a lawsuit, it is advisable to enlist the services of a professional and qualified consumer rights attorney. Most attempts of debtors to stop harassment from debt collectors usually are unsuccessful or lead to more problems than was originally intended.

An individual who does not possess sufficient knowledge of the law and their legal rights does not pose any challenge to debt collectors and proceeding with the case without a legal defense of a qualified attorney can lead to a lawsuit that is already a guaranteed win for the debt collector.

An individual that has already sustained physical, emotional, or psychological damage from the actions of a debt collector will not be in a proper frame of mind to defend himself or herself in court. The individual may not even be able to come face to face with the debt collector that has caused them severe emotional distress in court, therefore there is a need for legal representation during the case.

Clients are usually advised to retain the services of a consumer rights attorney to handle a debt harassment case on their behalf. This is because the lawyer is trained to help you win such a case and the attorney understands all the necessary procedures that need to be followed in order to get you the desired victory in court.

Attempting to represent yourself in court is not advisable unless you are a consumer right attorney yourself. In all cases, it is best to get a consumer right attorney for a case of debt harassment against a debt collector that has violated the FDCPA. Call us today at 877-700-5790. 

Who is Turtle Creek Assets?

Turtle Creek Assets is a third-party debt collector located in Dallas, Texas. consumer.

Contact Information

Address: 5331 Spring Valley Rd

Dallas, TX 75254-3009

Phone: (800) 467-4748

Should I apply for Bankruptcy to stop Turtle Creek Assets collections harassment?

Have you thought about filing for bankruptcy to put a stop to the harassment you are currently receiving from Turtle Creek Assets ltd? Then you should definitely read this.

Generally speaking, there are 2 types of bankruptcy you can apply for. One is called Chapter 7 bankruptcy and the other is called Chapter 13 bankruptcy.

In a chapter 7 bankruptcy, all or most of your debts are eliminated within the space of three to four months. This, of course, has certain consequences and means that you must meet certain criteria and income requirements.

In a chapter 13 bankruptcy, on the other hand, you may be able to keep your assets but will be required to pay a percentage of your income to a trustee that will be assigned to you for disbursement to your creditors over a period of three to five years, during which time you must complete the repayment of your debts so that they may be discharged.

Filing for bankruptcy may be a good idea for you if you are facing harassment from Turtle Creek Asset Management because it triggers what is known as an “automatic stay,” meaning that collectors will no longer be able to pursue you over the collection of a debt. This means that you will be completely free from those pesky phone calls and the threat of having Turtle Creek Assets garnish your paycheck. It could also lead to ***

In colloquial terms, filing for bankruptcy just to stop debt collection harassment is like buying a plane ticket for the free peanuts. Yes, there are certain benefits, however, if you are filing only for the purpose of avoiding debt collection harassment, then the consequences far outweigh whatever benefits you are going to reap.

So what is best?

We advise that you sort out your debt issues with Turtle Creek Assets, LLC either by calling an attorney or negotiating an agreement and leave filing for bankruptcy for when you have serious financial issues. Even then, it should be your last resort.

An attorney can also help you negotiate effectively with Turtle Creek Assets collections, and you can contact an A+ accredited one by calling (877)-700-5790.

Is Turtle Creek Assets a Scam?

According to the Better Business Bureau website, Turtle Creek Assets has been in business for 14 years. There have been 22 complaints filed against TCA with the BBB. Read more about it here: Turtle Creek Assets Better Business Bureau

Turtle Creek Assets Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

888-284-8258, 214-651-4220, 800-467-4748, (888) 284-8258, (214) 651-4220, (800) 467-4748, 8882848258, 2146514220, 8004674748

If the answer is yes, then you are receiving calls from a known TCA number. You may be a victim of TCA phone harassment. Contact a qualified consumer rights attorney on 877-700-5790 to get immediate assistance.

More about Turtle Creek Assets

Turtle Creek Assets is a debt collection agency that is fully licensed and functional. Turtle Creek Assets ltd specializes in collecting delinquent debts on behalf of original creditors. 

Where is Turtle Creek? Turtle Creek Assets is located in Dallas, Texas. If you are receiving calls from Turtle CreekFinancial, then you may owe money to a first-party creditor and your account has simply been transferred or sold to Turtle Creek Asset Management.

The following is a sample list of complaints filed against Turtle Creek Assets in the past year and can be found on

6:17-cv-00360-CB-KWR Horsley v. Turtle Creek Assets

4:19-cv-00196-WS-CAS Leland v. Turtle Creek Assets

4:19-cv-00031-JTM-JEM Aveline v. Turtle Creek Assets

3:19-cv-00749-TAD-KLH Shaw v. Turtle Creek Assets

3:17-mc-00085-L MSW Capital, LLC v. Turtle Creek Assets

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Turtle Creek Assets. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

Check out the links below for more information:

Texas Attorney General

Consumer Finance