The CMI Group was founded in 2000 and lists them as a collections agency. Buzzfile indicates a founding date of 1999, an annual revenue of $27.3 million and an estimated staff of 96. CMI has a satellite office located in Rochester, MN. CMI’s business model includes two major areas of activity. Their A to Z call center service offers “a seamless extension of client operations…to extend customer lifecycles, enhance brand image and maximize the value of each customer contact.” Their collections division, known as “Credit Management and The Affiliated Group,” offers third-party collection services for the following industries: cable, satellite, and telecommunications; healthcare; utilities; and government accounts including municipalities and education.
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The CMI Group is a legitimate collection agency which claims compliance as one of its core strengths, with a Chief Counsel who specializes in defending collection agencies against FDCPA and Fair Credit Reporting Act (FCRA) lawsuits. Thus, for CMI, compliance may have less to do with ensuring the rights of consumers are protected, and more with ensuring litigation costs are kept to a minimum. CMI’s website is aimed less at the consumer and more at corporations seeking effective third-party debt collection services. For example, all consumer resources have been reduced to a link at the top of the home page labeled, “Did we contact you?” Clicking on this link leads to a “Manage Your Account” page, but there is no mention of consumer protection laws like the FDCPA, consumer rights, or the responsibilities of collection agencies.
The BBB lists a total of 264 complaints against Credit Management LP or CMI Group in the past three years, with 92 closed in the past twelve months. Of these 264 complaints, 113 have been resolved to the satisfaction of the complainant. Many complaints allege that CMI tries to collect debts without providing verification or that their customer service is substandard, rude, or non-responsive. As of August 2017, the BBB gives them a rating of A-. Justia lists at least 4 cases of civil litigation naming CMI as a defendant.
The Offices of Credit Management, LP
P.O. Box 118288
Carrollton, TX 75011
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely CMI 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 filed in Federal Court
Laws such as the FDCPA contain provisions protecting consumers from certain, specific violations. Complaints against CMI allege violations such as the failure to provide debt verification; inappropriate or abusive communication; and inaccurate reporting of delinquent debt to credit reporting agencies. In a 2012 civil action in United States District Court for the Southern District of Texas, Galveston Division, the plaintiff filed a complaint with the court alleging violations of the FDCPA including Sections 1692 (d), (e), and (g), which address harassment or abuse; false or misleading representation; and validation of debts; the Telephone Consumer Protection Act (TCPA); and the Texas Debt Collection Practices Act (TDCPA).
Although the judge in this case denied the plaintiff’s motion for summary judgement, the defendant’s motion for summary judgement was only partially granted, leaving intact the plaintiff’s charges against CMI with regard to violations of the TCPA, the TDCPA, and FDCPA provisions concerning validation of debts.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws specifically designed to address the concerns of consumers contacted by third-party collection agencies. These laws contain provisions that restrict and regulate the way collection agencies can conduct business. For example, the FDCPA’s provisions prohibit collection agencies and their employees from engaging in certain behavior, such as using abusive or threatening language or harassment; in some states calling before 8:00am or after 9:00pm; misrepresentation; making an excessive number of calls to the same person; or attempting to collect debts without providing verification. The case above illustrates how consumers faced with violations can have their concerns addressed in court.
Both of these laws not only regulate the conduct of collection agencies; they also provide consumers with a means to seek damages. For example, the FDCPA allows consumers whose rights have been violated with a means to recover monetary damages of up to $1,000, plus attorney fees and court costs. Seek assistance to find the relief you may be entitled to if you are concerned that your rights have been violated.
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.
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. ?
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“I received a scary call from a group saying that my credit card has been flagged for fraud. They threatened me that I needed to pay off $1,500 or end up incurring heavily in attorney fees, fines or worse a bail. I knew this is likely to be a scam and I contacted Lemberg Law who responded immediately and took over the case. I really appreciate the efforts of the entire legal team for putting an end to what seemed to be a mountain to me.”
In short, chances are we can. Call us to today and we’ll tell you how we can help.
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