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Debt collectors like Central Portfolio Control cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.


If violated the law, you will get money damages and CPC will pay our attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Central Portfolio Control

Central Portfolio Control is a debt collection agency dedicated primarily to business receivables and is based in Minnetonka, Minnesota. It was founded in 1998 and is not accredited with the Better Business Bureau, and has received over 40 formal complaints via the BBB in the past three years, 27 of which are for advertising/sales problems and eight for billing/collection problems. Consumers allege robocalls, failure to provide receipts for payment of a debt, and failure to remove paid accounts from collections.

Central Portfolio Control’s Address, Phone Number, and Contact Information

is located at 10249 Yellow Circle Drive, Suite 200, Minnetonka, MN 55343. The main telephone number is 952-540-4787.’s website is and you can also submit a message at

Phone Numbers Used by

Like many debt collection agencies, may use different phone numbers to contact debtors. Here are some phone numbers may be calling you from:

  • 210-764-4843
  • 386-206-1220
  • 480-634-5921
  • 609-521-4178
  • 800-871-8630
  • 888-250-2795
  • 952-582-6056
  • 952-585-6068
  • 952-944-5419


If you want to know just how unhappy consumers are with , take a look at the number of lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for will display 16 lawsuits filed against the agency in eight states, most of which involve violations of consumers’ rights and/or the Fair Debt Collection Practices Act (FDCPA).


The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If is harassing you over a debt, you have rights under the FDCPA.The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if violates the TCPA. Have you received a message from CPC that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. , like most collection agencies, wants to set up reoccurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC, and you’re harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop ’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.THAT’S NOT ALL…We have helped hundreds of consumers stop phone calls from , and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.THE GOOD NEWS IS…If is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.REMEMBER…If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by . Below are some complaints from the Better Business Bureau (“BBB”) and various consumer websites.

  1. “I have paid this company in full for an account that they were collecting for a previous creditor of mine. I have requested a letter / receipt that the account has been paid in full and removed from collections. And that they also update my credit report. I have requested this information on the… phone, by mail and by registered mail. I have been promised “it’s in the mail” and after 2 months of requesting it and waiting, I am now filing this complaint.”
  2. “This business called me at work using a recorded message. I work in an office with open space, and most anyone can answer the phone. There was just enough information in the beginning of the message to get my coworker talking, and jeopardizing my job since we’re not allowed to receive personal… calls on the work phone. I did research on the company name and found they go after accounts that were long ago settled, and I feel this is the same issue. Any old account I may have had was settled and removed from collections… would have been 15 years ago, at least. I can’t afford to have them calling my job every day, or several times a day, it could mean my job. If this was a legitimate collection attempt, they should have no problem mailing a statement.”
  3. “Been paying for two years, never received any letter or my last receipt for the last payment had a debt of $3457.94 to this people, started paying in January 2014, through my bank $157.18 each month. Several times I asked them for a letter with my balance. They told me they don’t waste money in sending letters. I continue asking for this letter that never came. They said they sent it. I don’t think is true. They have my right address. Now they took the last payment from my account on January this year. I am asking for the letter that says I paid the complete amount, don’t have an answer.”

Cases We’ve Handled against

I THINK YOU’LL AGREE WITH ME WHEN I SAY…Threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are two cases we’ve handled against :

  1. Tyler C. v. , Inc. – In June 2016, Tyler of Menifee County, Kentucky, pursued a claim against for violations of the Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA). Complaints included harassing phone calls to the plaintiff, including pre-recorded and unsolicited commercial phone calls, as well as continuing to contact the plaintiff after a cease-and-desist letter was sent to CPC. The case was resolved in July 2016 and Tyler was happy with our services.
  2. Douglas D. v. , Inc. – In September 2017, Douglas of Volusia County, Florida, pursued a claim against for violations of the Fair Debt Collection Practices Act (FDCPA) and Florida Consumer Collection Practices Act (FCCPA). Complaints included aggressive and/or abusive harassment during debt-collection; using “false, deceptive, or misleading representations or means” when collecting debt; falsely representing the legal status of a debt; and attempting to collect a time-barred debt which was past its legal statute of limitations. The case was resolved in October 2017, and Douglas was happy with the outcome.

What Our Clients Say about Us

Mike Agruss Law has over 660 outstanding client reviews through Yotpo, an A+ BBB rating, and over 100 five-star reviews on Google. Here’s what some of our clients have to say about us:“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”“Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Sue Me?

Although anyone can sue anyone for any reason, we have not seen sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If has threatened to sue you, contact Mike Agruss Law as soon as possible.

Can Garnish My Wages?

No, unless they have a judgment. If has not sued you, then that agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If has threatened to garnish your wages, contact our office right away.


If you want to settle a debt with , ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay for delete, or any other legal issue with , we at Mike Agruss Law are here to help you.

Share your Complaints Against Below

We encourage you to post your complaints about . Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!HERE’S THE DEAL!If you are being harassed by over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We’ve settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at (888)-572-0176 to stop the harassment once and for all.

Phone Numbers Used By Central Portfolio Control

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Submitted Comments

6 months ago
Central Portfolio Control has been calling every family member and threatening they\'re going to come to my house if they don\'t receive a payment,I\'d like to file harassment charges, plus I tried to contact them for payment arrangements but instead they call All 13 brothers and sisters plus my mom and dad threatening to file a claim,it was for a loan 357$ they say I owe 757$.I called them left multiple voicemails to confirm my identity and asked if I could do a payment plan,but instead harass my family..