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Cardworks Servicing


225 W Station Square Dr
Pittsburgh, PA 15219-1174

Contact Them:

(412) 291-5000

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Michael B. on March 18, 2015 at 9:45 pm

      I just received a phone call from Cardworks Servicing. I don’t usually answer numbers I don’t recognize, but I did this time. There was a person from Cardworks Servicing asking for me as I hung up.

    2. Olive B. on May 3, 2015 at 5:28 pm

      In late 2010 I had a negative item appear on my credit reports from “Advanta Bank.” Advanta Bank failed in 2009 and was shut down by the FDIC and State of Utah. As far as I could determine, the FDIC was set up as a receiver for their deposits, and any debts owed were sold off to junk debt buyers. I disputed in writing to the three credit bureaus, providing proof from the FDIC that Advanta Bank no longer existed and could not be the reporting entity. I also disputed what was reported, because it was purely false and erroneous information. Equifax and TransUnion immediately deleted the information. Experian refused to delete the information and has continued to refuse my written disputes for the past four years. I have been turned down for credit as a result. There is a class action lawsuit because the company known as CardWorks Servicing appears to be the owner of the past due debts from Advanta Bank. CardWorks Servicing is also apparently the reporting entity of past due debts emanating from the defunct Advanta Bank – but is reporting as “Advanta Bank” today and for the past four years as if they are the bank.

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