When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Credit Associates Inc


1308 12th Ave S
Great Falls, MT 59405-4692

358 NE Marshall Ave Ste 2
Bend, OR 97701-4364

Contact Them:

Phone: (406) 771-2943
Fax: (406) 761-8662

Phone: (541) 312-9176
Fax: (541) 317-3535

premium wordpress themes

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you before 8 am or after 9 pm.

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. [anonymous] on June 28, 2015 at 12:06 am

      I told Credit Associates Inc that I didn’t know what they were collecting for and requested validation. Credit Associates Inc became rude when I requested this.

    2. persuasive essay outline on November 13, 2021 at 1:50 am

      Your knowledge is quite exciting.

    3. 10 dollar minimum deposit usa online casino on November 16, 2021 at 2:01 am

      Great internet website! It looks very expert! Maintain the great job!

    4. sex scenes in video games on November 18, 2021 at 6:03 am

      Wow, gorgeous site. Thnx …

    5. online sex games free on November 19, 2021 at 6:13 am

      Great internet site! It looks really professional!

      Maintain the good work!

    6. can you eat popcorn on the keto diet on November 19, 2021 at 11:52 pm

      Terrific Web page, Stick to the beneficial work. Thanks for your time!

    7. panty sex games on November 20, 2021 at 4:08 am

      Thanks a lot! It is definitely an superb website.

    8. keto reboot on November 21, 2021 at 10:02 am

      Thanks a lot for sharing this well put together webpage.

    9. keto friendly diet on November 21, 2021 at 2:19 pm

      Unbelievably user pleasant site. Enormous information available on couple of clicks.

    10. writing narrative essay on December 12, 2021 at 5:27 am

      Thanks with regard to offering these kinds of wonderful content material.

    11. best vpn for warzone on December 12, 2021 at 5:33 pm

      Thanks for the purpose of providing this kind of awesome subject matter.

    12. critical thinking examples in real life on December 13, 2021 at 11:21 pm

      I love the information on your website. Thanks a lot.

    13. problem solution essay topics on December 14, 2021 at 3:25 am

      Great looking web site. Assume you did a whole lot of your very own html coding.

    14. free vpn mac on December 14, 2021 at 1:26 pm

      Many thanks, this website is very helpful.

    15. what does vpn stand for on December 17, 2021 at 1:13 pm

      Great Web-site, Carry on the very good work. thnx!

    16. whats a vpn on December 18, 2021 at 1:07 am

      Many thanks, this website is very helpful.

    17. best vpn for crypto trading on December 22, 2021 at 7:21 am

      Awesome website you’ve right here.

    18. gay bareback dating on December 22, 2021 at 11:27 am

      Wow because this is excellent job! Congrats
      and keep it up.

    19. zoom cams gay sex chat on December 29, 2021 at 9:44 pm

      The posts is rather unique.

    20. gay chat avenue new version on December 30, 2021 at 3:26 am

      Thanks! It a astonishing site!

    21. instant withdrawal online casino usa 2020 on January 10, 2022 at 1:50 pm

      Your stuff is very interesting. instant withdrawal online casino usa 2020

    22. argumentative essay sections on January 11, 2022 at 9:07 pm

      black lives matter essay common app essay 250 word essay page length argumentative essay sections

    23. adam for adam gay online dating hookups on January 12, 2022 at 10:24 pm

      dating transwoman gay which senoir gay dating app has most members lakeland fl gay nsa dating ratings adam for adam gay online dating hookups

    24. sugar daddy gay dating app on January 13, 2022 at 12:05 am

      dating black gay ass gay dating sites that work
      on windows free tucson free local gay only dating sites sugar daddy gay dating app

    25. free hot slots on January 20, 2022 at 7:27 pm

      ruby slots casino login free slots video poker son and moon slots free hot slots

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.