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Torres Credit Services Inc

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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:

  • 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.

  • 5 Comments

    1. Teresa Walters on March 14, 2015 at 12:24 pm

      I started receiving notifications on my credit monitoring services that Torres Credit Services, Inc

      was reporting on my credit history. Upon investigating, I found that Torres Credit Services, Inc had reported me as having a derogatory account with them for $55.00. In doing so, Torres Credit Services, Inc lowered my credit score by 2 points. I phoned Torres Credit Services, Inc to see find out what this account was and was told it was for monies owed to BMG Music Services from February 2006. I told them I never ordered anything from BMG Music Services so I put the account in dispute. I also contacted TransUnion on the same day I contacted this agency in order to dispute the account with them. Torres Credit Services, Inc recorded the dispute but continued to report the account as derogatory.

    2. Bren S. on April 22, 2015 at 10:48 pm

      Torres Credit Services has put derogatory information on my credit report that I know nothing about. I want Torres Credit Services to remove it immediately.

    3. Preston M. on April 28, 2015 at 9:41 pm

      Torres Credit Services is calling from 7172438424 trying to collect for a CD (Music) company from 2005! Torres Credit Services just showed up a couple months ago on my credit report. Sounds to me like the music companies just made a sweet deal on selling their old collections accounts that they had given up on to bottom feeders like Torres Credit Services.

    4. [anonymous] on June 7, 2015 at 6:52 pm

      Torres Credit Services Inc has placed a collection debt on my credit reports. I do not know how my personal information has gotten into Torres Credit Services Inc’s hands but this debt is not mine.

    5. Kelly F. on August 18, 2015 at 9:45 pm

      Torres Credit Services Inc was on my credit report. I had to pay a lawyer $500 to get Torres Credit Services Inc off my credit report. This law firm could have done it at no cost, I understand. I will keep your number handy.

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    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.