Credit Management Company
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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:
If any of these things occur, your best option is to consult with a consumer protection attorney.
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I received a letter from Credit Management Company stating that I owed ~150 for a debt from Republic Services/Allied Waste. I had moved out of my house on August 8th as there was an eviction order from the Cook County Sherriff. I had called Republic Services and had my service turned off the very next day. I had been told the account was closed and I had a zero balance. Six months later I get a letter from Credit Management Company stating that I my overdue account had been turned over. My account was closed, zeroed out, and had closed in good standing. Republic Services said they could not talk to me and that I had to work with Credit Management Company. Ridiculous…I don’t owe anything.
Credit Management Company does not play by the rules. I never received any response to the multiple validation requests I have sent to Credit Management Company. Two of them were even certified mail.
I get injections to my knee and one time I had to pay a couple thousand dollars. When my bill got under $500.00 a man called me from CVS and set up two final payments. This was in the fall. So for a couple of months I kept getting phone calls from Credit Management Company to collect a debt. I knew I paid it but was looking for the check. Meanwhile I had to pay it again to Credit Management Company. Then I found my check that the $150.00. I contacted Credit Management Company and after taking my $150.00 they cancelled the collection and said Caremark did not correctly inform then it had been paid. So now Caremark says Credit Management Company owes it me. Meanwhile I have called Credit Management Company several times and they would not cooperate.
I first heard from CMC in 2013, regarding an account already settled in 2010. I spoke with Tammy, who has always been very rude to me, and even sent her my paperwork showing my account had been resolved. She insisted it was not accurate and she would send me what she had. I never received any additional documentation and when I called for follow up, no one knew anything. I was told the account was closed and everything was fine. This was obviously a lie. I still have not heard or received anything regarding this “debt” but instead found out when my credit score dropped 80 points as a result. I called again, and again Tammy was still there and very rude to me. I sent the same information as I did in 2013 and then the next day got a call saying the debt was recalled and I do not owe them or the original creditor. No apologies for the mistakes or terrible customer service. No apologies or explanations for damaging my credit. No recourse for this damage due to zero fault of my own, but the careless record keeping of CMC. Very poor company reps, really clueless. I understand its their job to collect the debts, but maybe look into whether or not the debt is even valid before trying to ruin someones credit they’ve worked hard to maintain. Keep commenting like this, file complaints with BBB, file a suit if you have to. These companies should not be allowed to operate like this. Good luck everyone!