Debt collectors like Credence Resource Management cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.
THE BEST PART IS…
If Credence Resource Management violated the law, you will get money damages and Credence Resource Management 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 Credence Resource Management?
Credence Resource Management, founded in 2013, is a debt collection service based in Dallas, Texas. The company has been accredited with the Better Business Bureau since July 2017, but has received over 200 complaints via the BBB in the past three years, over 80% of which are for billing/collection problems.Consumers allege failure to provide debt-validation and taking money out of consumers’ accounts without their permission. There is also a pattern of complaints about CRM’s attempts to collect false debts, report them on consumers’ credit reports, subsequently counter-allege that the false debt was a result of identity theft, and steer the consumer toward filling out FTC documentation for identity theft.
Credence Resource Management’s Address, Phone Number, and Contact Information
Credence Resource Management is located at 17000 Dallas Parkway, Suite 204, Dallas, TX 75248. The main telephone number is 855-880-4791.Credence Resource Management’s website is https://credencerm.com/
Phone Numbers Used by Credence Resource Management
Credence Resource Management likely has dozens, if not over 100, phone numbers it calls from. Here are a few phone numbers Central Credit Services may be calling you from:
- 210-944-1791
- 317-854-0859
- 317-854-0961
- 408-775-7337
- 512-428-8674
- 601-974-3582
- 855-876-5351
- 855-876-5380
- 855-875-4065
- 855-752-9257
Credence Resource Management Lawsuits
If you want to know just how unhappy consumers are with Credence Resource Management, 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 Credence Resource Management will display over 100 lawsuits filed against the agency in 19 states, most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).
Credence Resource Management Complaints
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 Credence Resource Management 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 Credence Resource Management violates the TCPA. Have you received a message from CRM 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 Credence Resource Management.
The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Credence Resource Management took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Credence Resource Management, 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 Credence Resource Management 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 Credence Resource Management 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 Credence Resource Management’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Credence Resource Management 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 Credence Resource Management, 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 Credence Resource Management 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…
The good news is that if Credence Resource Management 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 Credence Resource Management
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Credence Resource Management. Below are some complaints from various consumer websites.
- “I do not owe this debt. I contacted this company on two different occasions and both times they ignored my request as if they don’t have a legal obligation to respond. I asked this company to validate this account they allege I owe for AT&T. I never had an account with AT&T as I have always have service with TMOBILE. I asked this company to provide me with a contract or documentation bearing my signature specifying the terms and conditions. This company is being grossly negligent.”
- “This LLC made a settlement with me when they did not have my account. They STOLE money from me and were harassing my spouse every day. The young man that made the deal with me knows who he is and he is a thief. He took money from me with no intention of turning it in for the stated reason which was a hospital bill. Until I mentioned suing the company they made no attempt to talk to me about it or refund the money. Now they say I will get the money a full month and a half from when he stole it from me. This company should be inspected for fraud and theft. The man that stole should be fired along with his supervisor I spoke with as he knew what was happening also.”
- “Received mail including false charges that do not exist, to a company that has been verified in good standing. I received a collections letter in the mail claiming I owed a dollar amount of $638.26 to AT&T. The letter states that the amount has been placed in collections. It has been verified with AT&T that I do not owe and they do not use collections through this company called Credence Resource Management.”
Based on over 30 reviews on Google, Credence Resource Management received a 1.4-out-of-5 rating. Here is a snippet of the reviews on Google:
- “This might be some sort of debt collection company based in Texas but operating out of India someplace. I found them because of my credit report… Have never heard of them, to the best of my knowledge don’t own them anything.. They will want your SS#… Very bad news. Very poor language skills, still don’t know what they want from me… Be very careful dealing with these people. They might be legal, but they might be running some sort of scam…”
- “Credence is pushy, intimidating, mean and I’ve reported them to the BBB. The foreign man over the phone threatened me, harassed me and refused to let me off the line without paying something. So I called the company that “sent me to collections” and the bill had not yet actually been sent. Credence somehow acquired the account info and attempted to steal the money from me. Be very careful when communicating with this company. Do your research and keep yourself and your money safe!”
- “This is a SCAM company. Their callers somehow get your info and even send letters of debt you owe. But be aware that anyone who calls you who has a heavy Indian accent with an American name is a BIG RED FLAG. These bottom feeders prey on the elderly and anyone who is too stupid to know these are scam artists. Shame on you!!”
What Our Clients Say about Us
Mike Agruss Law has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 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 Credence Resource Management Sue Me?
Although anyone can sue anyone for any reason, we have not seen Credence Resource Management 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 Credence Resource Management has threatened to sue you, contact Mike Agruss Law as soon as possible.
Can Credence Resource Management Garnish my Wages?
No, unless they have a judgment. If Credence Resource Management has not sued you, then the 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 Credence Resource Management has threatened to garnish your wages, contact our office right away.
Credence Resource Management Settlement
If you want to settle a debt with Credence Resource Management, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will Credence Resource Management remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I receive confirmation in writing from Credence Resource Management 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 Credence Resource Management, we at Mike Agruss Law are here to help you.
Share your Complaints against Credence Resource Management Below
We encourage you to post your complaints about Credence Resource Management. 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 Credence Resource Management 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 have 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.
