Are you being called by Credit Management Company?* Here's what you need to know.
Are debt collectors calling you at home and work and discussing your debt with your roommates and colleagues when they pick up the phone? Are they calling you names like loser and deadbeat? You don’t have to tolerate it: consumer abuse by third party debt collectors is actually a violation of federal law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to establish guidelines for third-party collection agencies and protect consumers against unethical debt collection practices. Actions like the following are illegal when committed during a debt collection attempt.
- Using profane and obscene language
- Threatening action they cannot legally take or have no intention of taking
- Demanding amounts that are inflated by ‘service charges’
- Failing or refusing to validate the debt
- Contacting you after you have sent a cease and desist letter
- Calling and hanging up or leaving a stream of pre-recorded messages
Company Profile: Credit Management Company
If you are being called by Credit Management Company, information about the company is below.
Credit Management Company is a debt collection agency located in Pittsburgh, Pennsylvania. It was established in 1966, has 50 to 99 employees, and is managed by its President, Mary Lou Muti.
A careful review of litigation indexes at the PACER (Public Access to Court Electronic Records) website indicates that consumers who believed they were being harassed by Credit Management Company chose to dispute its demands.
Alleged Violations against Credit Management Company*
According to PACER, in April 2011 Credit Management Company began contacting a New Jersey man to collect a student loan debt. He later complained that collectors called him at home every day and left voicemail message that failed to identify the caller as a debt collector.
Feeling harassed by Credit Management Company, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing and oppressive means to collect a debt
- Failing to identify itself as a debt collector in all communications
The matter was later settled.
Hire an Attorney
The phone numbers for this collection agency are as follows:
If you see any of them on your caller ID in response to an incoming call, it means that you are being called by Credit Management Company. If they harass you by phone and leave voicemails that do not properly identify them, hire a consumer attorney who can help you file a claim against Credit Management Company. If you win, you could receive $1,000 per FDCPA violation plus applicable costs and damages. When collection agencies disobey the law, it can literally cost them.
*Case taken from PACER (www.pacer.gov). File number is Case 1:11-cv-04151-JEI-AMD from the United States District Court for the District of New Jersey.
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 Credit Management Company, or any other third-party collection agency, you may not be entitled to any compensation.