Credit Management Company Inc or CMC is a third-party collection agency based in Pennsylvania. CMC has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failing to verify debts and using false or misleading language in an effort to collect a debt. If you have been contacted by Credit Management Company, make sure you understand your rights before taking action.
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Credit Management Company is a legitimate full-service accounts receivable management, business process outsourcing, and debt recovery company. CMC offers a variety of third-party account management services. CMC’s first-party accounts receivable management division allows clients to incorporate CMC’s trained staff into their pre-collection, early-out, primary collection, and account scoring administrative duties. CMC’s claims resolution service provides healthcare clients an option for outsourcing their claims resolution and denials management services. In addition, CMC offers traditional third-party debt collection using a “combination of letters and phone contact,…advanced skip tracing techniques, probability-to-pay scores, and credit bureau reporting to assist… with the liquidation of… accounts.
According to the BBB, Credit Management Company, Inc. was started in 1966. The BBB established CMC’s profile page in 1996. CMC is listed as a collection agency that uses the alternate business name, Collection Management Co. Buzzfile estimates CMC’s annual revenue at $1.2 million and the size of its headquarters staff at 11 employees.
According to its website, CMC’s ongoing mission“has been providing full service accounts receivable and collection management programs across several industry segments since 1966.” CMC’s “customized outsourcing processes deliver solutions that will accelerate cash flow, lower operating expenses, reduce customer delinquency, and improve customer care and support.”
CMC “partners with local, regional, and national clients across various markets to provide them with the proficiency needed to increase their bottom line.” The markets serviced by CMC include healthcare, government, higher education, financial services, and commercial collections.
As for compliance, Credit Management Company provides “dedicated agents for each industry sector; industry knowledge; …a state-of-the-art call center; …business analytics with predictive scoring; advanced skip-tracing techniques; and adherence to ACA, FDCPA, CFPB and other industry specific affiliation guidelines.” However, CMC’s client-facing website does not provide links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 19 complaints against Credit Management Company in the preceding three years, with 9 complaints closed in the past 12 months. Most of those complaints allege problems with billing and collection services.Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 28 complaints against CMC. Justia lists at least 8 cases of civil litigation involving CMC.
Credit Management Company, Inc
2121 Noblestown Road
Pittsburgh, PA 15205
Telephone: (412) 937-0900
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely CMC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases
Complaints against Credit Management Company cite problems resulting from attempts to collect disputed debts and inaccuracies in accounting and record keeping. In August 2017, a complainant indicated he had been billed in error for a medical visit a year previously. He had received two invoices that were confusing and paid one of them even though his insurance company had already covered the costs. His insurance company acknowledged the error and indicated they would be refunding his money. Regardless, he was contacted by CMC about the medical bills and alleged that CMC representatives had been “harassing him and trying to convince him that he owed the money.” Credit Management Company sent letters over the course of several weeks, called the complainant at work, and “solicited personal information… which could be used for identity theft.” After researching the company, the complainant contacted CMC directly to explain that he didn’t owe the money, but the representative didn’t listen and argued with the complainant. The complainant told CMC to cease making phone calls, but after speaking with them, he received another call at his place of employment. The complainant contacted them again and again requested that they “cease their harassment.” Although Credit Management Company allegedly agreed to remove the complainant’s contact information from their database, they would not agree to stop collection activity despite the complainant’s having provided evidence that he did not owe the bill.
In December 2017, a complainant indicated that he was told by his parole officer in the Allegheny county court system that Credit Management Company had a contract with them and that his file, which included information about a restitution fine, had been sent to collections. His parole officer also indicated her belief that the collection activity appeared suspicious. The complainant had attempted to send payments for his restitution fine directly to Allegheny County, but they were returned to him, with instruction to contact CMC. CMC told him they were charging him a 25% processing fee in addition to the fine, so that his $100 restitution fee had grown to $182.50. The complainant indicated that despite cooperating with everything the court asked him to do for the previous five years, new obstacles were being thrown in his path. In response, CMC “apologized for the inconvenience,” then assured the complainant “that a fee of 25% that is applied to a balance is a statute approved by the state of Pennsylvania for restitution cases (PA Title 42; Section 9730.1(b)(2)).”CMC thanked him for his intention to pay the entire restitution fee and processing fee and referred the complainant back to the courts to address his complaint further.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Consumers have reported this agency harassing them from the following numbers:
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 receiving 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.
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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 NOW.
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