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Debt collectors like Delta Management Associates, Inc., cannot harass you over a debt.  You have rights under the law.  We will stop the harassment once and for all.


If Delta Management Associates violated the law, you will get money damages, and Delta Management Associates will pay our fees and costs.  You will not pay us a penny for our time.  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 Delta Management Associates, Inc.?


Delta was incorporated in February 27, 1986 in the Commonwealth of Massachusetts as a family owned and operated, niche collections services provider.  Delta was formerly named Delta Management Association, but changed its name on October 25, 1994.  Delta Management is a business corporation.  According to the Better Business Bureau (“BBB”), Delta is categorized as a corporation and a collection agency.  According to Delta Management Associates’ website, Delta’s management team consists of, Christopher A. Riordan, Michael W. Riordan, David Riordan, Danai Griffin, Susan L. Hogan, Keith Venezia, and Joseph J. Fazzini. provides the following profile of Delta Management Associates, Inc.:“Delta Management Associates, Inc. provides debt collection and recovery services for financial, educational, and governmental entities in the United States. It offers campus based collection services for Perkins collections, cohort defaults, nursing/health care profession loans, private loan collections, tuition collection services, and alternative loans; and guarantee agency services, including title IV FFELP collections, pre-claims assistance, and rehabilitation monitoring services. The company also provides skip-tracing and legal, and asset searching services. In addition, it offers technological support services. Delta Management Associates, Inc. was founded in 1986 and is based in Chelsea, Massachusetts.”Delta Management Associates touts the following services on its own website that it provides: higher education collections, governmental collections, financial services collections, skip tracing services, and default management services.

Delta Management Associates, Inc., Address, Phone Number, and Contact Information

Delta Management Associates is located at 100 Everett Avenue, Suite 6, Chelsea, MA 02150.  The main telephone numbers for Delta Management are 855-282-5983, 877-271-5205, 800-688-6337, and 617-884-9444.  These are just four of many Delta contact numbers.  One of Delta’s fax numbers is 617-884-8670.Delta Management Associates’ website addresses are: and  Delta’s main e-mail address is [email protected].

Phone Numbers Used By Delta Management Associates, Inc.

Delta Management Associates likely has dozens, if not over 100, phone numbers it calls from.  Here are a few phone numbers Delta Management Associates may be calling you from:

  • 866-441-1957
  • 617-660-3200
  • 800-688-6337
  • 603-667-4079
  • 413-351-2388
  • 603-637-2714
  • 855-282-5983
  • 877-271-5205
  • 617-884-9444

Delta Management Associates Lawsuits

If you want to know just how unhappy consumers are with DELTA, take a look at the number of lawsuits filed against Delta Management Associates on the Public Access to Court Electronic Records (“PACER”).  PACER is the federal docket throughout the country that lists federal complaints filed against Delta Management.  When you do a search for Delta Management Associates, there are at least 76 lawsuits filed against Delta Management.  Most of these lawsuits involve consumer rights’ violations.

Delta Management Associates Complaints

The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States.  In other words, everyone is protected under the FDCPA.  The FDCPA is a laundry list of what Delta Management can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.  If Delta Management is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.

The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls.  Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long.  You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line.  You can get $500 per call if Delta Management violates the TCPA.  Have you received a message from DELTA that sounds pre-recorded?  Or, maybe the message you received from Delta Management is cutoff at the beginning or the end?  These are tell-tale signs that the message is pre-recorded.  If you have these messages on your cell phone, you may have a TCPA case against Delta Management Associates.

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts.  If Delta Management Associates took unauthorized deductions from your bank account, you may have an EFTA claim. Delta Management, like most collection agencies, wants to set up reoccurring payments from consumers.  Imagine how much money Delta Management gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month.  If you agreed to this type of reoccurring payment, Delta Management must follow certain steps to comply with the EFTA.  Did Delta Management continue to take electronic payments after you said stop?  Did Delta Management take more money from your checking account than you agreed to?  If so, let’s talk about your rights 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 handled a lot of cases recently where Delta Management Associates reported debt on a consumer’s credit report.  Delta Management likely reports on credit reports to obtain greater leverage over the consumer.  If Delta Management is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report.  This is commonly known as pay for delete.  You pay Delta Management, and they delete the debt from your credit report.  Even if Delta Management is not on your credit report, maybe the original creditor is.  If you pay off the debt to Delta Management, then the original creditor, and Delta Management, should accurately report this on your credit report.  

Several states also have laws that provide its citizens an additional layer of protection.  For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with 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 get $500.00 – $4,000.00 in damages per violation.  We work with a local counsel in NC.  Our NC clients have received some great results in debt collection harassment cases.  If you live in NC, and Delta Management Associates is harassing you, you have tons of leverage to get a great settlement.


We will use state and federal laws to immediately stop Delta Management Associates debt collection.  We will send a cease and desist letter to get the harassment to stop the same day.  If DELTA violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages.  For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages.  The FDCPA has a fee-shift provision.  This means, DELTA pays our attorney’s fees and costs.  If you have a TCPA case against DELTA, we will handle it based on a contingency fee.


We have helped hundreds of consumers stop phone calls from DELTA.  We know how to stop the harassment and get you money damages.  ONCE AGAIN, you will not pay us a penny for our time.  We will help you based on a fee-shift provision and/or based on a contingency fee. That means, DELTA pays our attorney’s fees and costs.

What If Delta Management Associates Is On My Credit Report?

Based on our experience, DELTA does credit report.  That means, DELTA will mark your credit report with the debt they are trying to collect on.  In addition to Delta Management Associates, the original creditor may be on your credit report.  For example, if you owe Sallie Mae Bank on a student loan, and DELTA is collecting on it, both Sallie Mae and DELTA may have separate entries on your credit report.  This is important because you will want both parties to update your credit report if you pay off the debt.  


If DELTA 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 maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them.  My office will help you pull your credit report and dispute any inaccurate information.


If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision.  This means, the credit reporting agency pays your attorney’s fees and costs.  Therefore, you will not pay me a penny for my time.  We have helped dozens of consumers fix inaccurate information on their credit reports.

Complaints against Delta Management Associates

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Delta Management Associates.  The complaints on the Better Business Bureau (“BBB”), various consumer websites, including on Pissed Consumer, and even the complaints on this page (below) are endless.  DELTA is not accredited by the BBB.  However, the BBB lists 51 customer complaints and 12 negative customer reviews. Here are some of the many BBB complaints and customer reviews regarding Delta Management Associates:

  1. “I have received numerous calls from this business asking me about a woman that lives (or lived) in a building that I used to live in. I don’t even know this woman, nor do I have any association with her, other than a similar address! I don’t know how it is legal for them to be calling me asking me questions about a woman that I do not know, and refusing to explain to me how they got my number.  It’s unethical.”
  2. “This company and MANY others contact me quite often in regards to my student loans. They never leave messages either and I stopped answering because they wanted personal information right off the bat. My student loans have NEVER been in default nor late and I pay my monthly payment amount every MONTH ON TIME. I wish these places would stop calling and harassing me. It’s sad those who went to college to better themselves but unfortunately had to take loans out now have to deal with this garbage!”
  3. “I have this company coming after for an account that they should not be coming after me for… This company should remove this account from all three credit reports.. Companies like this need to go out of business and stop harassing consumers…This company has not sent me knowledge of this account… nor has this company sent me the ORIGINAL document of my signature..”
  4. “Receiving telemarketing calls from this collection company. I am 76 years old and have no debt. I have not had any debt for 25 years and student loans did not exist when I attended school.”
  5. “I have recently began to receive phone calls from this company repeatedly on my cell phone and today on my office phone. I have blocked them on my cell phone and now they are calling my office. They never leave a reason for the calls and upon investigation online, I have learned that this company… may be participating in a scam under the guise of collecting a debt.”
  6. “Delta Management company is calling my employer, elderly mother, friends and family that I have no contact with. This needs to stop immediately! I did not give those phone numbers to Delta or anyone. One person that was contacted said the information was found on ******** and they thought we might be related. This is BS. I am sending a cease and desist letter immediately. If I have a debt or something you need to speak to me directly no everyone you can find to try and intimidate, harass or embarrass me. I will sue if this continues.”

Delta has 28 reviews on Google, and they are just as bad.  The 28 reviews Delta Management received averaged out to only 1.2 stars.  Here’s a snippet of the reviews on Google:

  1. “When I don’t own any money to the college I went 4 years ago, they send me paper saying I own money to my college[.]  This company is fake and scam.”
  2. “They sent me a letter just a week and half before Christmas saying that my college has forwarded to them my payment plan. I wasn’t notified of this change at all and they charged me a $500 without explanation. I have paid my debt to my school monthly for 12 months now and they did not factor that into remaining money that I owe. My mother and I called them and the lady asked me for my social security and I explained that I did not want to share that information over the phone but would give her my student ID number, she refused and pressed on about needing my social. After trying to reason with her, she hung up on me while I was mid-sentence. Very unprofessional. Suspicious “business.” Do NOT answer when they repeatedly call and do not trust them.”
  3. “They harass you regardless of whether or not you’re at work and cannot take calls, and when you DO answer, they offer no sort of help. They are no more interested in helping you with your debt so much as they are interested in buying it off the original debtor so THEY can harass you for payment no owed.  They are scam artists plain and simple. Do not answer their calls.”
  4. “I can’t understand how this company has acquired and called virtually all of my social network contacts. The thing is they have called to residential and mobile phone numbers that I don’t even have since I only have keep contact with that persons through internet. Right about the time they started calling my Internet accounts send suspicious activity alerts and I was asked to change passwords. So be warned to not trust this company.”
  5. “Their relentless phone calls are annoying. My financial/status is no better/worse than before I did answer and did all the necessary paper work.  The offer they made to settle my obligation was not realistic to me, they offered no compromise so I am through with them.   Good riddance to them.”
  6. “This company contacted me via mail. I responded as it says to if I disagree with the debt they SAY I owe. Then they called my cell phone. Now they called me at work. I told them they are violating the privacy law that was passed in 2002 and 2005 that they cannot contact anyone at their work place to collect a debt. They are NOT a legitimate collection agency. Do NOT give them your info. Hang up on them.”
  7. “They deserve no star”
  8. “I dealt with very ignorant, unknowledgeable, representatives that completely failed at the job they were tasked to do for the Department of Education.  I tried to resolve their mistake to no avail.  Their representatives stated they could do nothing to remedy their mistake.”

Cases We Have Handled Against Delta Management Associates


Threats and harassment by collection agencies can be pretty intimidating.  Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs.  Here are some of the cases we’ve handled against DELTA:

  1. Bob F. v. Delta Management Associates.  Bob is from Arizona.  In this case, Bob alleged that DELTA was calling him after 9:00 p.m., in Bob’s local time zone.  Such calls are a violation of the FDCPA.  Bob also alleged that DELTA’s collectors failed to disclose that they were calling from Delta Management Associates, Inc.  Such failure to disclose this information is another violation of the FDCPA.
  2. Ed L. v. Delta Management Associates.  Ed is from Pennsylvania.  In this case, Ed alleged that Delta was calling him several times per day on his cell phone.  Ed alleged that he answered Delta’s collectors’ calls and asked that Delta stop calling him.  Despite these requests, the calls continued.  Ed then even sent a written cease-and-desist letter to Delta via certified mail.  That did not stop the calls from Delta either.  Delta continued to call Ed and even left voicemail messages for Ed.  However, the voicemail messages left for Ed failed to disclose that the caller was calling from Delta Management Services, Inc. or that the communication was in an attempt to collect a debt.  Ed alleged violations of several sections of the Fair Debt Collection Practices act for Delta’s unlawful behavior.
  3. Leroy H. v. Delta Management Associates.  Leroy lives in Washington State.  In Leroy’s case, he alleged that Delta was calling him at home from 866-441-1957, which is one of Delta’s numbers.  Delta was calling Leroy before 8:00 a.m. in Leroy’s local time zone, which is a violation of the FDCPA.  Delta was also calling Leroy at work.  Leroy asked Delta to stop calling him at work, but Delta’s collector told Leroy that they could call him at work.  This is another violation of the FDCPA.  Delta then brazenly began to call Leroy’s relatives and scaring them by telling Leroy’s relatives that Leroy could be sued—or even have to go to jail.  This misconduct also constitutes violations of the FDCPA.

Here’s 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.

“Thank you Mike Agruss Law!! Not only did you stop harassing calls from a collection agency and make them remove negative information from my credit report, I also received a settlement payment. I so appreciate your speedy and expert services. I am very glad that I ran across your agency, you were very professional and most of all able to assist me with my issue it is nice to know that there is help out there for the consumer who is being harassed and treated less than human. At first I did not think you would be able to help me, I thought this was just another gimmick, but I was wrong. I am from Missouri the “show me state” and they definitely have shown me that you are a legitimate agency that will deliver results. You DEFINITELY stand behind your word. If you say that you can help, you WILL and I will use your agency again in the future if necessary as well as refer others. Again, thank you for my settlement check, it is an unexpected blessing.”

“I was referred to the firm through a family friend and I immediately contacted them through their website.  They got back to me in 24hrs. Just like they said they would! The team took my information and even emailed and called me with periodic updates!  Although my harassment case against a large collection agency could be considered “small” it was really important to me as a matter of principal. True to form Agruss Law gave it top priority. It was settled even more quickly than I hoped with no hassle. More importantly, Agruss Law gave me great peace of mind. No more phone calls to my cellphone at all hours! Thanks Agruss Law!”

“Mr. Agruss is an excellent attorney! After experiencing inappropriate collection practices with a particular agency, I contacted Mr. Agruss and told him my story. He is personable, a good listener, and works quickly. He was able to quickly assess my situation and provide clear expectations of the process. Although we never met in person, I felt very comfortable with Mr. Agruss and would highly recommend him to anyone and would utilize his services again. Thank you again, Mike!”“I contacted Mike Agruss Law because a very old creditor was harassing me for an old debt that had already been paid, Samantha was professional and very sympathetic to my situation. She got the creditor to stop harassing me and I was even awarded damages from the creditor. I would highly recommend Mike Agruss Law.”

“After trying to reason with a collection company who were erroneously trying to collect on an account I had already paid, I contacted the Mike Agruss Law. Michael Agruss asked some simple questions and told me he could help. The collection company had violated some very basic collection guidelines and in the end they agreed to a settlement. I would definitely recommend Agruss for going after predatory collection agencies.”“Mike is very responsive, trustworthy, knowledgeable, and kept me informed on what was going on. I was VERY happy with his services and would definitely recommend him.”

“Samantha, Michael, Emily and the staff at Mike Agruss Law are the absolute finest legal group assisting consumers! Emily definitely goes the extra mile to accomplish results for the client. Attention to detail, prompt responses to inquiries. Exceptional settlements in a timely fashion. Michael, Samantha and Emily stands tall in their peer group with the personal touch and excellent results. Highly recommended!!!!!!!!!!!!”

Can Delta Management Associates Sue You?

Although anyone can sue anyone for any reason, we have never seen DELTA Management sue consumers.  It’s likely DELTA does not sue because they do not always own the debt they are collecting on.  Also, DELTA would have to hire a lawyer, or use in-house counsel, to file a lawsuit.  It’s likely DELTA Management collects debts through the entire country.  Therefore, it would be very difficult to have lawyers, or a law firm, licensed in every state.  There are collection agencies that do sue consumers.  For example, Portfolio Recovery Associates is one of the largest junk-debt buyers.  Portfolio Recovery Associates collects on debt and also sues on debt.  The opposite is true with DELTA Management.  Therefore, it would be very unusual if DELTA sued you.  The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you.  If DELTA Management has threatened to sue you, call us.  We can help.

Can Delta Management Associates Garnish Your Wages?

No, not unless they have a judgment.  If DELTA Management has not sued you, then DELTA cannot get a judgment.  If DELTA Management does not have a judgment, then DELTA cannot garnish your wages.  Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first.  In short, we have not seen DELTA Management file a lawsuit against a consumer.  So, DELTA cannot garnish your wages, minus the exceptions listed above.  If DELTA has threatened to garnish your wages, contact our office right away.     

Delta Management Associates Settlement

If you want to settle a debt with DELTA Management, 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 DELTA Management 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 get something in writing from DELTA Management confirming 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 DELTA Management, the folks at Mike Agruss Law are here to help you.

Share Your Complaints About Delta Management Associates Below

Post your complaints about Delta Management Associates.  Sharing your complaints about DELTA will help other consumers know what to do when DELTA starts calling. Sharing your experience may help someone else.


If you are being harassed by Delta Management Associates over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls.  Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee.  That means, the collector pays your attorney’s fees and costs.  You won’t pay us a penny.  We have settled thousands of debt collection harassment cases.  Let us help you today.  Contact Mike Agruss Law at 888-572- 0176 to stop the harassment once and for all.

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