Credit Management Company harassment occurs when collectors contact you repeatedly, use threatening language, or violate federal debt collection laws. If you’re receiving multiple daily calls, threats of illegal action, or contact at unreasonable hours, you may have grounds for legal action under the Fair Debt Collection Practices Act (FDCPA).
The Wood Law Firm helps consumers fight back against abusive debt collectors. We specialize in FDCPA violations and have recovered compensation for clients facing harassment from Credit Management Company and other agencies.
Who Is Credit Management Company?
Credit Management Company (CMC) is a third-party debt collection agency headquartered in Plano, Texas. The company collects unpaid debts across healthcare, utilities, telecommunications, and other industries.
Credit Management Company Reviews and Complaints
CMC has 238 complaints filed with the Better Business Bureau. Common allegations include:
- Excessive calling patterns
- Unauthorized credit reporting
- Misleading debt information
- Contacting third parties about debts
- Threatening illegal legal action
These complaints suggest patterns of behavior that may violate federal consumer protection laws. If you’ve experienced similar treatment, documentation is critical for potential legal claims.
Common Credit Management Company Harassment Tactics
Debt collectors often push legal boundaries when attempting to collect. Recognizing these tactics helps you identify violations:
Excessive Phone Calls Courts have found that 7-10 calls per day may constitute harassment. CMC frequently uses multiple phone numbers to bypass call blocking, including:
- 800-377-7723
- 713-231-1866
- 866-913-4426
- 972-862-4200
Unlawful Contact Hours The FDCPA prohibits calls before 8:00 AM or after 9:00 PM in your time zone. Many consumers report CMC calling outside these hours.
Third-Party Disclosure Collectors cannot discuss your debt with family members, neighbors, employers, or anyone except you, your attorney, or your spouse. Sharing debt details with others violates federal law.
False Threats Threatening wage garnishment, arrest, or lawsuits without legal authority or intent constitutes illegal harassment. Debt collectors must have a court judgment to garnish wages in most cases.
Failure to Provide Validation: Collectors must send a written validation notice within five days of first contact. This notice must include the debt amount, creditor’s name, and your right to dispute.
If CMC has used any of these tactics against you, document every interaction immediately.
What Qualifies as Debt Collector Harassment?
Harassment by debt collectors includes any conduct meant to abuse, oppress, or annoy you. The FDCPA specifically prohibits:
- Repeated phone calls with the intent to harass
- Profane or abusive language
- Threats of violence or harm
- Publishing your name on a “bad debt” list
- Calling you at work after being told it’s not permitted
Contact timing violations include calling before 8:00 AM or after 9:00 PM, or calling repeatedly throughout the day.
Deceptive practices involve misrepresenting debt amounts, falsely claiming to be attorneys, or threatening actions they cannot legally take.
If you believe Credit Management Company has harassed you, you can file complaints with the Federal Trade Commission, Consumer Financial Protection Bureau, or your state Attorney General’s office.
Is Credit Management Company a Scam?
Credit Management Company is a legitimate debt collection agency, not a scam. However, the company has faced multiple federal lawsuits alleging FDCPA violations.
Notable Credit Management Company Lawsuits
Several cases demonstrate patterns of alleged illegal conduct:
Wiggins v. Credit Management Company This case involved claims of harassment and failure to provide proper debt validation.
Knowlin v. Credit Management Company Allegations centered on deceptive collection practices and threats.
Thomas v. Credit Management Company This lawsuit addressed excessive calling and third-party disclosures.
These cases highlight why consumers must understand their rights. Even legitimate collection agencies can violate federal law.
Can Credit Management Company Garnish Your Wages?
Wage garnishment requires specific legal steps. CMC cannot garnish your wages unless:
- They obtain a court judgment against you
- The debt involves federal student loans or taxes
- The debt is for child support or alimony
The garnishment process requires collectors to sue you, win a judgment, and obtain a court order. You must receive proper notice before any garnishment begins.
State laws provide additional protections. Some states limit garnishment amounts or prohibit garnishment entirely for certain income types. Learn more about wage garnishment rights and protections to understand your specific situation.
Your Rights Under the Fair Debt Collection Practices Act
The FDCPA protects consumers from abusive collection tactics. Debt collectors cannot:
Harass or Abuse You This includes profanity, threats, or calling repeatedly to annoy you.
Lie or Mislead Collectors cannot falsely claim to be attorneys, government representatives, or credit bureau agents. They cannot misrepresent debt amounts or threaten illegal action.
Contact You at Inconvenient Times or Places Calls before 8:00 AM or after 9:00 PM violate federal law. Calling your workplace after being told it’s prohibited also breaks the law.
Disclose Your Debt to Others Collectors cannot tell your family, friends, neighbors, or employers about your debt except in limited circumstances.
Ignore Your Written Requests If you send a written request to stop contact, collectors must comply. They can only contact you to confirm they will stop or notify you of specific legal actions.
If CMC violates these protections, you can sue for damages up to $1,000 plus actual damages and attorney fees.
How to Verify a Debt from Credit Management Company
Debt verification protects you from paying incorrect or fraudulent debts. Follow these steps:
Request Written Validation Within five days of initial contact, collectors must send a validation notice containing:
- The debt amount
- The original creditor’s name
- Your right to dispute the debt
- Instructions for requesting creditor information
Review the Validation Letter carefully. Check for errors in dates, amounts, or creditor names. Compare the information against your records.
Dispute in Writing Within 30 Days. If you find errors or don’t recognize the debt, send a written dispute letter via certified mail. Include:
- Your name and account number
- A clear statement disputing the debt
- Supporting documentation
- A request for verification
Check Your Credit Report: Obtain free credit reports from AnnualCreditReport.com. Look for the debt and verify accuracy. If it appears incorrectly, dispute it with the credit bureaus.
During verification, collectors must cease collection activities. They cannot report the debt to credit bureaus until they provide proper validation.
Understanding time-barred debts is also critical, as collectors sometimes pursue debts beyond the statute of limitations.
How to Stop Credit Management Company’s Harassing Calls
You have multiple options to stop phone harassment from Credit Management:
Send a Cease and Desist Letter
Send a written letter via certified mail stating:
- You request that all communication stop
- Include your name, address, and account number
- Keep copies and delivery confirmation
After receiving this letter, CMC can only contact you to confirm that they will stop or notify you of specific legal actions, such as filing a lawsuit.
Document Everything
Keep detailed records of:
- Call times and dates
- Caller names and numbers
- Conversation content
- Threatening or abusive language
- Third-party contacts
This documentation supports potential legal claims and helps prove patterns of harassment.
Report Violations
File complaints with:
- Consumer Financial Protection Bureau (CFPB): Investigates unfair debt collection practices
- Federal Trade Commission (FTC): Enforces consumer protection laws
- Your State Attorney General: Many states have stricter debt collection laws than federal requirements
- Better Business Bureau: Creates public records of complaints
Contact The Wood Law Firm
Legal representation stops harassment quickly and may result in compensation. Call 844-638-1122 for a free consultation. Our attorneys handle all communication with CMC while protecting your rights.
Why Medical Debt Requires Special Attention
Credit Management Company frequently collects medical debts. Medical debt collectors often cross legal lines because consumers don’t understand their rights.
Medical debt under $500 cannot appear on credit reports as of 2023. Additionally, medical debts must remain unpaid for one year before credit reporting, up from six months previously.
If CMC is collecting medical debt, verify:
- The debt actually belongs to you
- Your insurance properly processed claims
- The provider followed billing procedures
- The amount matches your records
What to Do When Collectors Contact You About Paid Debts
Sometimes collectors pursue debts you already paid. When collectors contact you about paid debts, take immediate action:
- Request debt validation in writing
- Gather payment proof (receipts, cancelled checks, bank statements)
- Send copies of payment proof via certified mail
- Dispute the debt with credit bureaus if it appears on your report
- File complaints if harassment continues
Never make payments on debts you already paid without consulting an attorney first.
Understanding Illegal Call Timing
Debt collectors calling at night is illegal and represents a clear FDCPA violation. The law restricts calls to between 8:00 AM and 9:00 PM in your local time zone.
Some collectors deliberately call outside these hours hoping to catch you off guard or pressure you into paying. Document these calls carefully, as they provide strong evidence for legal claims.
Can Debt Collectors Damage Your Credit Without Notice?
Debt collectors can damage your credit score by reporting debts, but they must follow specific rules:
- They must verify the debt before reporting
- They cannot report inaccurate information
- They must investigate disputes within 30 days
- They must notify credit bureaus of dispute resolutions
If CMC reported a debt without proper validation or reported inaccurate information, you have grounds for legal action under the Fair Credit Reporting Act (FCRA).
Client Success Stories
Case 1: Excessive Calling Stopped Maria received 8-12 calls daily from CMC for three months. After documenting the calls and contacting The Wood Law Firm, we stopped all harassment within 48 hours. Maria received $3,500 in statutory damages plus actual damages for emotional distress.
Case 2: Credit Report Correction James discovered CMC reported a $2,400 medical debt he never owed. The hospital confirmed the debt belonged to someone else with a similar name. We forced CMC to remove the entry and secured $2,000 in damages for the credit reporting violation.
Case 3: Workplace Harassment Ended CMC called Sarah’s employer multiple times despite her requests to stop. These calls nearly cost her job. The Wood Law Firm obtained $4,200 in damages and ended all contact. Sarah’s credit report was also corrected.
About The Wood Law Firm: Your Consumer Protection Advocates
The Wood Law Firm protects consumers from predatory debt collection practices. For over 15 years, we have specialized in Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA) cases.
Our Commitment to Your Rights
We understand the stress and frustration of dealing with abusive collectors. Our personalized approach combines extensive experience with aggressive advocacy to hold companies accountable.
Our Lead Attorney: Jeff Wood
Jeff Wood has practiced consumer protection law for over 15 years. Licensed in Arkansas, he represents clients in federal courts across Arkansas, Colorado, New Mexico, Texas, Indiana, Michigan, Missouri, Tennessee, and Wisconsin.
The Wood Law Firm maintains Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia. This network ensures comprehensive representation regardless of your location.
Our Results
- A+ Better Business Bureau rating
- Hundreds of successful FDCPA cases
- Millions recovered in consumer damages
- Zero upfront costs for FDCPA cases
Why Choose Our Firm?
No Upfront Costs: FDCPA cases operate on contingency. You pay nothing unless we win.
Proven Track Record: We have successfully litigated against major collection agencies including Credit Management Company.
Personalized Service: You work directly with experienced attorneys, not paralegals or case managers.
National Reach: Our Of Counsel network provides representation across multiple states.
Take Action Against Credit Management Company Harassment
Don’t let CMC control your life through harassment and intimidation. The Fair Debt Collection Practices Act gives you powerful tools to fight back.
Contact The Wood Law Firm Today
Call 📲 844-638-1122 for a free, no-obligation consultation. Our attorneys will:
- Review your situation
- Identify FDCPA violations
- Explain your legal options
- Stop harassment immediately
- Pursue maximum compensation
Time limits apply to FDCPA claims. Most violations must be filed within one year. Contact us today to protect your rights and hold Credit Management Company accountable.
Frequently Asked Questions
Is Credit Management Company calling me excessively?
Excessive calling occurs when collectors contact you repeatedly with the intent to harass. Courts have found 7-10 calls per day excessive. If CMC is calling multiple times daily, document every call and contact The Wood Law Firm at 844-638-1122.
Who is Credit Management Company?
Credit Management Company is a third-party debt collection agency based in Plano, Texas. They collect debts for healthcare providers, utilities, telecommunications companies, and other creditors across multiple industries.
What do Credit Management Company reviews reveal?
CMC has 238 complaints on the Better Business Bureau website. Common complaints include excessive calls, misleading information, unauthorized credit reporting, and threatening language that may violate federal law.
Is Credit Management Company a legitimate company or a scam?
Credit Management Company is a legitimate debt collector, not a scam. However, the company has faced multiple federal lawsuits alleging violations of the Fair Debt Collection Practices Act.
What counts as harassment by Credit Management Company?
Harassment includes repeated calls meant to annoy you, abusive language, false threats, calling before 8:00 AM or after 9:00 PM, contacting your workplace after being told to stop, and discussing your debt with family or employers.
Can Credit Management Company garnish my wages?
CMC can garnish wages only after obtaining a court judgment against you. They must sue you, win the case, and get a garnishment order. Exceptions exist for federal student loans and taxes.
How do I stop Credit Management Company from calling me?
Send a written cease and desist letter via certified mail requesting all contact to stop. Keep copies and delivery confirmation. After receiving this, they can only contact you to confirm they will stop or notify you of lawsuits.
How can I verify a debt from Credit Management Company?
Request written validation within 30 days of initial contact. The validation must include the debt amount, original creditor name, and your dispute rights. Compare this information to your records and dispute any errors in writing.
Where can I file a complaint against Credit Management Company?
File complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, your state Attorney General’s office, and the Better Business Bureau. For legal action, contact The Wood Law Firm.
Why should I contact The Wood Law Firm about CMC harassment?
The Wood Law Firm specializes in stopping debt collector harassment and recovering damages for FDCPA violations. We offer free consultations, work on contingency (no upfront costs), and have over 15 years of experience.
