Is Credence Resource Management, LLC Calling You?

Company Profile: Credence Resource Management, LLC

Credence Resource Management, LLC is a legitimate debt collection agency based in Dallas, Texas. It has branch offices in San Jose, California and Bellevue, Washington, and two large centers in Pune, India. The company opened for business in 2013 and is managed by owner Karan Negi.

The company has a B rating with the Better Business Bureau. A review of records held at the PACER website confirms that people who believed that they were being harassed by Credence Resource Management, LLC hired legal representation and pursued damages.

Who does Credence Resource Management, LLC Collect For?

Credence Resource Management conducts collection activities for healthcare, phone, utilities, and credit card companies. The company does not provide specific detail on their collections website regarding their services and compliance policy, but does provide debtors a place to pay off their alleged dues. The terms and conditions section of the website additionally states, “This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for the purpose.” 

Alleged Violations against Credence Resource Management, LLC

According to PACER, in or around March 2017, Credence Resource Management, LLC allegedly started calling a Colorado consumer to collect a debt. On or about March 18, 2017, he sent a written cease and desist request via email to the company stating that he wanted no further contact.

Around three days later, he received an email confirming receipt of his request, but on or about March 21, 2017, Credence Resource Management, LLC allegedly called him twice in the same day, with one of the calls taking place after 9:00 p.m.

Feeling harassed by Credence Resource Management, LLC, the consumer retained a lawyer and sued the firm for:

• Ignoring a cease and desist request
• Calling him after 9:00 p.m. in his time zone

The matter was later resolved.

How Often Can Credence Resource Management Call?

Credence Resource Management cannot call with the intent to harass, oppress, or abuse you. Additionally, recently in November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt

• More than seven times within a seven-day period, or
• Within seven days after engaging in a telephone conversation with you about the particular debt.

How To Stop Credence Resource Managements Calls?

You can stop Credence Resource Management from calling by filing a complaint and contacting an attorney. There is also additional protection for consumers under the FCRA and the Telephone Consumer Protection Act (TCPA), as well as the Consumer Financial Protection Act (CFPA). You may have a case if:

• You are receiving multiple calls per week from third party collection agencies
• You are receiving early morning or late night calls from debt collector
• You are receiving calls at work from a debt collection agency
• Debt collectors are calling your family, friends, neighbors, or coworker
• 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

Can Credence Resource Management Sue Me or Garnish my Wages?

Credence Resource Management can only sue you or garnish your wages with legitimate reason to do so. CRM cannot make empty threats to sue you or garnish your wages because it is illegal. Though this practice is illegal, and uncommon, debt collectors are known to take advantage of alleged debtors, proceeding to summon them to court and garnish their wages, even if the threat is without merit. Considering that this is a risk, it is wisest to contact an attorney for help if you are being threatened by a debt collector.

Can I Sue Credence Resource Management for Harassment?

Yes, you can sue Credence Resource Management for harassment. Arguably you should sue if you wish to enforce your rights and recover money for CRM’s violation. There are federal laws which protect consumers like you. For example, the Fair Debt Collections Practices Act (FDCPA) protects consumers like you, awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. Use federal laws to your advantage and contact an attorney if you wish to sue for harassment.

Does Credence Resource Management Hurt My Credit Score?

Credence Resource Management can hurt your credit score if they falsely report debt to a credit reporting agency. If Credence Resource Management has already reported the alleged debt, you can contact an attorney to get it removed. If the debt has yet to be reported you can stop Credence Resource Management from ruining your credit score by receiving help from an attorney.

Credence Resource Management Contact Information

• Address: 4222 Trinity Mills Rd STE 260 Dallas, TX 75287

• Telephone: (855) 880-4792

• Website: https://credencerm.com/index 

If you see them on your caller ID, know that Credence Resource Management, LLC is calling. If they acknowledge receiving a cease communications request and proceed to ignore it by continuing to call, retain a consumer lawyer with the background and experience to help you file a claim against Credence Resource Management, LLC.

Additional Resources

• Is a Debt Collector Calling at Odd Hours?
• Debt Collectors Ignored Written Request?

Case taken from PACER (pacer.gov). File number is Case 1:17-cv-01984-MEH from the United States District Court for the District of Colorado.

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Credence Resource Management, LLC or any other third-party collection agency, you may not be entitled to any compensation.