Are calls from Credit Management Company collectors disrupting your life? These tactics can feel overwhelming, whether it’s relentless phone calls, threats, or even contacting your family. Under the Fair Debt Collection Practices Act (FDCPA), you have rights that protect you from Credit Management Company harassment.
If Credit Management Company threats have targeted you, there’s a way to fight back. The Wood Law Firm empowers individuals to stand up to abusive debt collectors. Understanding your rights and acting decisively can bring you peace of mind and compensation.
Who Is Credit Management Company?
Credit Management Company, headquartered in Plano, Texas, is a third-party debt collector that handles unpaid debts across various industries, including healthcare, utilities, and telecommunications. Although it has been in business for over 17 years, its reputation is not spotless.
What Do Credit Management Company Reviews Reveal?
A look at Credit Management Company reviews on platforms like the Better Business Bureau (BBB) uncovers a troubling pattern of behavior. With 238 complaints filed against them, allegations include aggressive communication, unauthorized debt reporting, and misleading practices.
These reviews highlight the importance of vigilance when dealing with debt collectors. If you suspect foul play, help is available. Contact us now.
Common Tactics Used by Credit Management Company Collectors
Many individuals report experiencing Credit Management Company phone harassment. Their tactics often push the boundaries of what’s legal under the FDCPA. Here are some common behaviors to watch for:
- Excessive Calls: Repeated calls, sometimes multiple times a day.
- Unlawful Hours: Contacting you before 8:00 AM or after 9:00 PM.
- Third-Party Disclosure: Discussing your debt with family, neighbors, or employers.
- Threats and Intimidation: Warnings of lawsuits, wage garnishment, or criminal charges.
- Failure to Provide Information: Not informing you of your right to dispute the debt.
If you’ve experienced any of these, it’s time to consult legal experts at The Wood Law Firm.
Also read: American Debt Management Debt Collection Harassment
How to Recognize Credit Management Company Harassment
Do you frequently receive calls from numbers you don’t recognize? This is common with Credit Management Company complaints. Known numbers include:
- 800-377-7723
- 713-231-1866
- 866-913-4426
- 972-862-4200
Even if these numbers don’t match, Credit Management Company phone harassment could still be the cause. They often use various phone lines to continue their efforts undetected.
Is Credit Management Company a Scam?
While Credit Management Company is not a scam, its practices often lead consumers to believe otherwise. It is a legitimate debt collector but has faced numerous lawsuits for violating debt collection laws.
Examples of Credit Management Company Lawsuits
Over the years, the company has been involved in cases such as:
- Wiggins v. Credit Management Company
- Knowlin v. Credit Management Company
- Thomas v. Credit Management Company
These cases often involve accusations of harassment, deception, and intimidation, emphasizing the need for vigilance and legal support.
Also read: NPAS Solutions Debt Collection Harassment
Can Credit Management Company Garnish Wages?
Credit Management Company collectors can garnish your wages, but only under specific circumstances. They must obtain a court judgment or deal with debts like federal student loans.
Knowing your state’s laws can provide additional protection if you’re worried about wage garnishment. The Wood Law Firm can help you understand your rights and options.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that safeguards consumers from abusive debt collection practices. Here’s what the FDCPA prohibits:
- Harassment or abuse, including the use of profanity.
- Misrepresentation or deceit, such as false threats of legal action.
- Contacting you at inconvenient times or places.
- Sharing your debt information with unauthorized third parties.
You can take legal action if Credit Management Company threats violate these provisions.
Also read: Medical Data Systems Phone Harassment
How to File a Complaint Against Credit Management Company
If you believe you’ve been a victim of Credit Management Company debt collection harassment, you can file a complaint with:
- The Consumer Financial Protection Bureau (CFPB): The CFPB investigates unfair or deceptive practices.
- Your State Attorney General’s Office: Many states have additional laws protecting consumers.
- The Better Business Bureau (BBB): This helps warn others about problematic behavior.
For more comprehensive action, consult The Wood Law Firm to explore your legal options.
Also read: Credit Services Debt Collection Harassment
How to Verify a Debt from Credit Management Company
If Credit Management Company collectors are contacting you, it’s crucial to verify the legitimacy of the debt before taking further action. Sometimes, collection agencies pursue outdated or erroneous debts, and you can request validation.
Steps to Verify a Debt
- Request a Debt Validation Letter: Under the FDCPA, collectors must provide proof of the debt within five days of their initial contact. This letter should include the amount owed, the original creditor, and other relevant details.
- Compare the Details: Cross-check the information in the validation letter with your records. Look for discrepancies in dates, amounts, or creditor names.
- Dispute Errors: If the debt contains inaccuracies or isn’t yours, dispute it in writing within 30 days. Include supporting documents to strengthen your case.
- Contact the Credit Reporting Agencies: If the debt appears on your credit report and you believe it’s incorrect, file a dispute with the credit bureaus.
Why Verification Matters
Unverified debts can lead to wrongful payments, lawsuits, or damage to your credit score. Verifying a debt ensures that Credit Management Company threats don’t escalate into unwarranted legal actions or financial harm.
The Wood Law Firm can provide expert guidance and representation if you need help handling the verification process. Don’t let Credit Management Company phone harassment push you into making uninformed decisions—know your rights and act confidently.
Also read: First Financial Asset Management Debt Collection Harassment
How to Stop Credit Management Company Harassment
Dealing with Credit Management Company phone harassment can feel overwhelming, but you have the tools to fight back.
Steps to Take Immediately:
- Document Every Interaction: Record call times, dates, and content.
- Send a Written Cease-and-Desist Letter: Legally require them to stop contacting you.
- Know Your Rights: Understand what debt collectors can and cannot do.
- Contact The Wood Law Firm: Let experienced professionals handle your case.
By following these steps, you can regain control and protect your peace of mind.
Success Stories: Real Clients, Real Results
Here’s what clients of The Wood Law Firm have to say:
“I was overwhelmed by calls until The Wood Law Firm stepped in. They stopped the harassment and got me compensation.”
“The team was thorough, professional, and compassionate. I can’t thank them enough for ending the calls.”
Don’t let Credit Management Company complaints dominate your life. Take action today and share your own success story.
Preventing Future Harassment
Preventing future encounters with Credit Management Company collectors starts with good financial habits:
- Monitor Your Credit Report: Check regularly for inaccuracies.
- Communicate Directly with Creditors: Address debts before they go to collections.
- Understand Your Rights: Stay informed about state and federal laws.
By staying proactive, you can minimize the risk of harassment and enjoy greater peace of mind.
Also read: Receivables Management Partners Debt Collection Harassment
Why Choose The Wood Law Firm?
The Wood Law Firm has been defending clients against abusive debt collection practices since 2010. With an A+ BBB rating and a proven track record, we are committed to helping you reclaim your life from Credit Management Company threats.
Don’t let Credit Management Company harassment control your life. Contact The Wood Law Firm at +1 844-638-1122 for a free consultation. Let us help you protect your rights and stop the harassment for good.
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