How to Stop Credence Resource Management Harassment
If you’re enduring relentless calls from Credence Resource Management, you do not have to face it alone. Many individuals have reported enduring CRM harassment, sometimes several times a day, as the agency attempts to collect on debts. This persistent harassment can include threats of legal action over debts that may no longer be legally collectible, known as time-barred debts. Such behavior potentially violates your legal rights.
The Fair Debt Collection Practices Act (FDCPA) exists to protect consumers from such aggressive tactics. Under this law, debt collectors must follow specific regulations when pursuing debts. If a debt collector, like Credence Resource Management, has violated these rules, you may have grounds to file a lawsuit against them. Victims of harassment from debt collectors can stop unwanted calls and recover statutory damages of up to 💸 $1,000, as well as legal fees and court costs.
🤝 Understanding Credence Resource Management
Credence Resource Management is a debt collection agency based in Dallas, Texas. Founded in 2013, the company specializes in collecting various types of debts, including those related to healthcare, phone services, utilities, and credit cards. As of October 2018, the Better Business Bureau (BBB) reported that CRM had accumulated over 272 complaints. These numbers indicate that many consumers have encountered issues with this agency.
In 2017, a consumer in New York filed a class-action lawsuit against CRM. The lawsuit alleged that the agency violated the FDCPA by sending a collection notice for a cell phone debt past its four-year statute of limitations. The case highlighted that the actions taken were deceptive; attempting to induce payment from the consumer by failing to disclose the debt was time-barred.
🔗Also read: Receivables Management Partners Debt Collection Harassment
Credence Resource Management’s Operations
Credence Resource Management operates from its headquarters located at:
📍17000 Dallas Pkwy STE 204, Dallas, TX 75248-1940
If you’re receiving calls from this agency, you might be interested in their various phone numbers:
- 📱855-732-2332
- 📱855-876-5347
- 📱855-880-4795
- 📱410-566-8441
Be aware that these are just a handful of numbers; they may also call you from other numbers. If you feel you are experiencing CRM phone harassment, it is crucial to seek help immediately. You don’t have to endure this distressing experience alone.
🔗Also read: Collection Agency Harassment
Legal Protections Against Credence Resource Management
The Fair Debt Collection Practices Act (FDCPA) lays down several important protections for consumers, including:
👉 Prohibition of Harassment or Abuse
Debt collectors must not engage in behavior that harasses or abuses consumers. Tactics such as excessive phone calls, using profane language, or making threats of violence are strictly prohibited.
👉 False or Misleading Representations
The FDCPA forbids Debt collectors from making false claims while collecting debt. They must accurately present the amount owed, non-payment implications, and their identity as debt collectors.
👉 Validation of Debts
Consumers have the right to request validation of their debts. Debt collectors must provide this information and cease collection efforts until they do so.
👉 Disclosure of Debt Information
Debt collectors must limit their disclosures about a consumer’s debt to third parties. They can only contact others for location information about the consumer and must represent themselves truthfully.
👉 Prohibition of Unfair Practices
Debt collectors cannot employ unfair tactics, such as attempting to collect unauthorized fees or contacting consumers at inconvenient times.
👉 Notification of Consumer Rights
Debt collectors are required to inform consumers of their rights under the FDCPA, including the ability to dispute debts and request validation.
👉 Restrictions on Location of Contact
Debt collectors can only contact you at your workplace if they know or should know that such communication is convenient.
It’s important to note that the FDCPA only applies to third-party debt collectors, not original creditors collecting their debts. It encompasses various obligations like credit card debt, medical bills, and mortgage payments.
If you feel debt collectors have infringed on your rights under the FDCPA, consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) or pursuing legal action. The FDCPA is a vital tool for safeguarding consumers from abusive and unfair debt collection practices, ensuring they are treated fairly throughout the process.
✅ Stop Cavalry Portfolio Services Phone Harassment
If you receive persistent calls from Cavalry Portfolio Services, you may deal with more than standard debt collection. These calls can quickly turn into harassment, leading to unnecessary stress and anxiety. Recognizing your rights is crucial to combating Cavalry Portfolio Services’ debt collection harassment. When you understand what constitutes harassment, you can take appropriate steps to protect yourself.
🔗Also read: American Debt Management, Debt Collection Harassment
✅ What to Do If You Experience Credence Resource Management Harassment
✅ Identifying Harassment
Receiving numerous calls from Credence Resource Management can cause significant distress. If you’re facing such calls, it may be a sign of CRM debt collection harassment. Some of the common phone numbers associated with allegations of harassment include:
- 📱855-732-2332
- 📱855-880-4795
- 📱855-876-5380
If you recognize these numbers and are experiencing consistent calls, take action immediately. Contact The Wood Law Firm to initiate the process of stopping the harassment. Remember, you deserve to live free from such stress.
🔗Also read: Travelers Management Group Debt Collection Harassment
🔰Legal Recourse for Victims
Documentation is vital if you believe Credence Resource Management has violated your rights. Keep records of all interactions, including phone calls and letters and call The Wood Law Firm at 📱+1 844-638-1122. This information can bolster your case should you choose to take legal action.
🔰Filing a Complaint
You can file a complaint against CRM through the CFPB or the Better Business Bureau. Legal professionals at The Wood Law Firm can guide you through this process and protect your rights.
✅Success Stories with The Wood Law Firm
Many individuals have found success after enlisting the help of The Wood Law Firm. Here are some testimonials from clients who faced harassment from debt collectors:
- 📍 “My experience with The Wood Law Firm was fantastic. I received constant calls from a debt collector seeking someone I didn’t know. After multiple frustrating attempts to explain, I sought help. The Wood Law Firm team responded promptly, stopping the calls and securing compensation for me, all at no cost.”
- 📍 “I’ve had to reach out to The Wood Law Firm twice. Each time, their staff was incredibly courteous and knowledgeable about my situation. They managed to end the harassment and even helped me recover funds.”
- 📍 “I wholeheartedly recommend The Wood Law Firm to anyone facing harassment. They provided clear, professional guidance about my rights, making the process less stressful.”
🎯 Legal Support You Can Trust
The Wood Law Firm specializes in defending clients against debt collector harassment. If you’re enduring Credence Resource Management harassment, seeking legal assistance is crucial. The firm has been committed to protecting consumer rights since 2010 and maintains an A+ rating with the Better Business Bureau.
🎯 Protecting Yourself from Credence Resource Management
If you’re looking for ways to protect yourself from CRM harassment, consider these steps:
▶ Document Everything: Keep detailed records of all interactions with debt collectors. Note the date, time, and content of conversations, including the names of representatives you speak with. This documentation can be crucial if you need to take legal action.
▶ Know Your Rights: Familiarize yourself with your rights under the FDCPA to recognize any violations. Understanding the laws will empower you to defend yourself effectively.
▶ Seek Legal Assistance: Contact The Wood Law Firm at 📱+1 844-638-1122 for expert guidance in handling debt collection harassment. A knowledgeable attorney can assess your situation and advise you on the best action.
▶ File Complaints: Utilize platforms such as the CFPB or BBB to report unlawful practices. Complaints help protect others from similar experiences and hold debt collectors accountable.
▶ Stay Informed: Regularly check CRM reviews online to see how others have dealt with similar situations. Awareness of others’ experiences can provide insights and strategies for addressing your challenges. Additionally, consider joining online forums or support groups where individuals share their experiences with debt collectors. Sharing information and advice can empower you and reinforce your rights.
🔗Also read: Alliant Capital Management Debt Collection Harassment
💡 Conclusion
Living with Credence Resource Management’s debt collection harassment can be daunting. You don’t have to navigate this situation alone. Seek assistance from The Wood Law Firm, which protects consumer rights against aggressive debt collection practices.
Contact them at 📱+1 844-638-1122 to reclaim your peace of mind and stop the harassment. You have the right to live free from intimidation, and The Wood Law Firm is here to help you every step of the way.
FAQs About Simms Associates Debt Collection Harassment
1. Who is Simms Associates?
Simms Associates is a third-party debt collection agency based in Newark, Delaware. They collect debts on behalf of creditors, including banks, lenders, and service providers.
2. Why is Simms Associates calling me?
They’re likely contacting you to collect an unpaid debt. However, repeated calls, threats, or contacting others about your debt may violate your consumer rights under the Fair Debt Collection Practices Act (FDCPA).
3. Is Simms Associates a legitimate company?
Yes, Simms Associates is a legitimate debt collection company. However, many consumers have reported complaints about harassment and illegal collection practices.
4. What kind of complaints has Simms Associates received?
Consumers have reported excessive phone calls, threats of legal action, and attempts to collect debts they don’t owe. These actions may violate federal consumer protection laws.
5. Can Simms Associates sue me?
Yes, they can sue if your debt is valid and within the statute of limitations. However, if they threaten a lawsuit for an expired or invalid debt, that’s illegal under the FDCPA.
6. Can Simms Associates garnish my wages?
They can only garnish your wages if they sue you and win a court judgment. Without a court order, wage garnishment is not allowed.
7. Can Simms Associates report my debt to credit bureaus?
Yes, they can report unpaid debts to credit bureaus like Experian, Equifax, and TransUnion. However, inaccurate information can be disputed under the Fair Credit Reporting Act (FCRA).
8. Can Simms Associates have me arrested for debt?
No, you cannot be arrested for failing to pay a debt. Threatening arrest is illegal and violates the FDCPA.
9. What phone numbers does Simms Associates use?
Simms Associates is known to call from numbers such as 302-283-2800, 800-864-6033, and 866-572-9376, though they may use others as well.
10. What should I do if Simms Associates is harassing me?
Keep detailed records of all calls, request written verification of the debt, and contact a consumer rights attorney like The Wood Law Firm for free legal help.
11. How can I stop Simms Associates from calling me?
You can send a written cease-and-desist letter demanding that they stop contacting you. Once they receive it, they may only contact you to confirm they’ll stop or to notify you of legal action.
12. Can I sue Simms Associates for harassment?
Yes, if they violate your rights under the FDCPA, you can sue for up to $1,000 in statutory damages, plus coverage for attorney fees and emotional distress compensation.
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