Credit Protection Association also known as CPA, Equipment Recovery Services, CRD PRT Associates, and Automated Mail Services. The business got its start collecting debts from the cable and telecommunication businesses. Because of this, Credit Protection Association is uncommon for a debt collection agency since it collects not just money, but also equipment like cable boxes and satellite dishes..
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According to the BBB, Credit Protection Association is a legitimate collection agency founded in 1997. They utilize calling campaigns, skip tracing, targeted email, and computer-based robocalls to track down and target customers for collection. Due to its history in cable and telecommunication collections, CPA has developed technical and automatic print and email systems that inform customers of rate changes and service terminations, in addition to define where and how to return equipment, pay a bill, call the service provider, or call the collector.
As of April 2017, the Better Business Bureau reported 257 closed Credit Protection Association complaints over the previous few decades, such as 70 closed CPA complaints over the past 12 months. The BBB provides Credit Protection Association a B- rating. Additionally, Justia lists 30 Credit Protection Association complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and three alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 120 closed CPA complaints for 2016.
Credit Protection Association, LP
13355 Noel Road, Suite 2100
Dallas, TX 75240
Credit Protection Association Phone Number: 877-278-5106
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely CPA 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 is a Sample Case Filed in Federal Court
In 2016, the U.S. Judicial Panel on Multidistrict Litigation refused Credit Protection Association’s movement to combine eight unique suits into one umbrella suit. This can be done when a wide variety of class action suits share similar facts and circumstances but are being litigated in various areas of the country. In this example, three were from Texas, four were from Florida, and one was from Arizona. The panel ruled that the activities shared particular issues regarding allegations that CPA violated the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act by making debt collection mobile phone robocalls to customers without their consent, but that complies with discovery requests for different cases was unlikely to be problematic or time-consuming. Because of this, the panel declined to unite the suits into a legal action.
Press Releases of Lawsuits Brought On By Lemberg Law Against Credit Protection Association LP
October 1, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Texas. The case, against Credit Protection Association, charges the debt collection agency with violating the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act, and asks for $1,000 in statutory FDCPA damages, $500 to $1,500 for each robocall, plus other relief.
It’s annoying to be on the receiving end of robocalls. Debt collection robocalls are even worse. Our client says that Credit Protection Association used an automatic telephone dialing system and/or a prerecorded message to robocall his cell phone. Sometimes, our client says that the robocall told him to press “4” on his telephone keypad if he was reached in error. Our client did as he was told, and pressed “4” to try and get the calls to stop. That didn’t work, and Credit Protection Association kept robocalling his cell phone.
The lawsuit charges that CPA violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt. It also charges that Credit Protection Association violated the TCPA by robocalling our client’s cell phone.
September 23, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Northern District of Texas. The case, against Credit Protection Association, charges the debt collector with violating the federal Fair Debt Collection Practices Act and the Telephone Consumer Protection Act. The suit asks for $1,000 in statutory FDCPA damages, $500 to $1,500 per call for statutory TCPA damages, plus other relief.
Who hasn’t received a cell phone robocall? Answering the phone and hearing a precorded voice telling you to wait for the next available representative is annoying. But that’s exactly what our client says happened when Credit Protection Association called him. He says that he had returned the equipment in question to the original creditor, and asked Credit Protection Association to remove his cell phone number from their call list. That’s an entirely reasonable request. However, Credit Protection Association continued to robocall our client.
The lawsuit charges that CPA the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt. It also charges that Credit Protection Association violated the TCPA by using an automated telephone dialing system and a prerecorded or artificial voice to call our client on his cell phone without his consent.
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 CPA debt collection calls from various numbers, such as these:
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.
We can make them STOP!✋
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.
What Our Clients are Saying
“You’re very professional and useful…. For once I did not feel as though I was alone in the conflict. I got a check in the company — which was amazing in itself — but also the debt collector is no longer on my spine. It feels like a burden has been lifted off my shoulders.”
“I never thought I’d finally be free of the nonstop phone calls and letters in the mail, but I finally am free. You went to work straight away, and I saw results fairly quickly. I can not thank you enough.”
“I was so excited when you told me about the positive results of the lawsuit. If the need ever arises again, I won’t be afraid to call your office or urge your law services to a friend in need.”
Chance are, we could. Contact us and we will explain.
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