Consumer Collection Management Inc or CCM is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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Who is Consumer Collection Management – CCM?

Consumer Collection Management or CCM is a third-party collection agency based in Missouri. CCM has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and attempting to collect debts not owed. If you have been contacted by CCM, be sure you understand your rights before taking action.

According to the Better Business Bureau (BBB), Consumer Collection Management, Inc. was founded in 1979, and the BBB established its profile page in 1983. CCM is listed as a collection agency. The BBB has posted an Alert on their profile page warning consumers about their business practices. Buzzfile estimates CCM’s annual revenue at $4.3 million and the size of its headquarters staff at 35 people.

According to its website, CCM is a “full service collection management service…that strives to… assure the best service and complete resolution of your accounts.” CCM does not specify which industries it collects delinquent accounts for. However, they have posted a list of their “advantages,” including experienced collectors; specialized medical services; utility and multi-housing services; pre-legal department; skip tracing; predictive dialer; on-line memberships with TransUnion, Equifax and Experian for reporting delinquencies; and professional development workshops.

As a full-service collection agency, CCM’s collection division offers first-party collections and extended business office; third party collections and contingency-based collections; skip tracing specialists; an insurance department; work comp specialists; lien/liability specialists; payment monitoring; on-site staffing; special projects; and billing services.

CCM cites its affiliation with several professional organizations, including the Association of Credit and Collection Professionals (ACA International); the American Association of Healthcare Administrative Management (AAHAM); the American Bankruptcy Institute (ABI); the Healthcare Compliance Association (HCA); the Healthcare Financial Management Association (HFMA); the Medical Group Management Association (MGMA); and the National Apartment Association (NAA). However, CCM does not provide links or references to consumer protection resources, laws, or enforcement agencies.

How many Complaints are there against Consumer Collection Management Inc ?

As of November 2017, the BBB has given Consumer Collection Management a rating of D+. The BBB has closed 50 complaints against CCM in the past three years, with 21 closed in the past 12 months. Most of those complaints allege problems with billing and collections; however, a large number of complaints also allege problems with advertising and sales, and several additional complaints allege problems with customer service. Since September 2015, the CFPB  has received 18 complaints about CCM. Justia lists at least 11 cases of civil litigation involving Consumer Collection Management.

Can you help me file a No Fee Lawsuit against Consumer Collection Management CCM?

Absolutely. Here are some Sample Cases against Consumer Collection Management Inc – CCM.

The BBB has posted the following Alert on Consumer Collection Management’s profile page:

“PATTERN OF COMPLAINT
The BBB has received numerous complaints on this collection agency. Complainants primarily allege that company representatives made harassing phone calls using rude and vulgar language, provided poor customer service, attempted to collect debts that weren’t owed and improperly billed consumers.”

Consumer complaints posted to their profile page frequently cite problems with information reported to the credit reporting agencies. For example, in April 2017, a complainant indicated that he had discussed repayment of an $81.00 medical bill, promised to send in the payment, and “post-dated a check for the payment.” The complainant asked if CCM would report the item to the credit reporting agencies and was told the item would not be reported. The complainant was “happy that he could pay them… to save the horror of the item being reported to his credit.” However, a subsequent review of his credit report revealed that the item had been reported anyway. His call to CCM to inquire about the miscommunication “was met with a rude and hostile worker” who told him he could speak with a manager who “never came to the phone.” He was informed that he would receive a call back, but he said he had never received any follow-up communication.

In response, Consumer Collection Management indicated that their notes confirmed the complainant had “setup up payment for the balance in full to be processed… and that at that time, the account had not been sent to the… credit” reporting agencies. However, CCM also indicated that “a promise to pay will not keep an account from being reported to the credit” reporting agencies. CCM acknowledged the complainant’s call inquiring about the miscommunication, but insisted that his credit was never discussed. Furthermore, they indicated their policy is to “send an update file to the credit bureaus at the beginning of each month,” and that “once the account has been paid in full for more than 30 days…an update advising the account should be removed from the credit” will result in deletion the following month. Consumer Collection Management also indicated that a manager had placed a call to the complainant, although they did not indicate whether any kind of contact had been established.

Consumer Collection Management Contact Information Inc

Consumer Collection Management, Inc.
P.O. Box 1839
Maryland Heights, MO 63043
Telephone: (800) 325-6611
Website: http://www.consumercollection.com/

Consumer Collection Management CCM Calling You?

Understanding your Debt Collection Rights

The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These two federal laws help regulate the collections industry. The FDCPA prohibits actions such as the use of false or misleading statements in an effort to collect a debt.

The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).

These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.

The case above illustrates how understanding your rights and responsibilities under these laws can help you hold collection agencies legally accountable. Seek legal assistance if you need help resolving a dispute with a collection agency.

Want to Stop Consumer Collection Management CCM Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are recieving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.

What Our Clients are Saying

“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”

“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”

“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”

Can You Help Me Delete Consumer Collection Management CCM from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Can Your Firm Help me Deal with Consumer Collection Management CCM?

In short, the answer is yes. Contact us to find out more.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

1 COMMENT
  • Anthony Soukenik

    My Legal concern is Slander.

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