According to MarketWatch, the Consumer Financial Protection Bureau stated that debt collector and mortgage-related complaints account for half of the over one million complaints it has received since 2011.
It’s a sign that debt collectors don’t hesitate to cross the line if doing so means a successful collection, even though there are laws in place that prohibit this conduct.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates the collection activities of third-party debt collectors. If a consumer complains of the following types of harassment, governing authorities can investigate and impose sanctions.
- Contacting the consumer directly after they hire an attorney
- Calling someone at work when they know that the employer doesn’t allow such calls
- Calling before 8:00 a.m. and after 9:00 p.m. in the consumer’s time zone
- Using profane and obscene language
- Telling The consumer’s friends, neighbors, and co-workers about the debt
- Misleading someone on their dispute rights.
Company Profile: Credence Resource Management, LLC
If you are being called by Credence Resource Management, LLC, company details are below.
Credence Resource Management, LLC is a debt collection agency in Dallas, Texas, with branch offices in San Jose, California and Bellevue, Washington and two large centers in Pune, India. It opened for business in 2013, has over 1500 employees, and is managed by owner Karan Negi.
The company also 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.
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.
Hire a Consumer Lawyer
The phone numbers for Credence Resource Management, LLC are:
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.
The outcome could be an award of $1000 in statutory damages and coverage of your legal bills, so when you fight back, the debt collector has more to lose than you do.
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.