Stop Credence Resource Management Harassment Calls
You have the right to stop phone harassment under the FDCPA law. Our legal team specializes in ending unwanted collection calls.
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Stop Harassing Collection Calls From Credence Resource Management
Approved under the consumer protection act, the Fair Debt Collection Practices Act (FDCPA) protects your rights against unfair, abusive and deceptive collection behavior.
FDCPA violations by Credence Resource Management may include:
Call more than 5 times in one day
Calling before 8am or after 9pm
Use any abusive or obscene language
Contact any third party stating you owe a debt
Violence threats or any intent to harm you
Ask to pay more than what is owed
Make false or misrepresenting claims
Legal threats that you'll be arrested
We're Ready To Fight For You
Cash Compensation
Receive up to $1,000 in compensation.
Trade line deletion
Removal of negative reporting to credit
Debt Waiver
You will be paid in full amount
Cease and Desist
All communication from collector to consumer
(855) 254-7841
Who Is Credence Resource Management?
Credence Resource Management, LLC is a debt collection agency headquartered in Texas, with additional operations in places including San Jose, Bellevue and India. BBB records identify the company as a collections agency and list its business start date as 2013.
The company collects different types of consumer debt, including accounts involving credit cards, medical services, utilities and telecommunications.
Like other large collection agencies, Credence may use automated calling systems, skip-tracing tools and consumer information to locate people and reach them about accounts. Those practices don’t turn out to be unlawful automatically. The problem arises only when the way those tools are used crosses legal boundaries.
If the calls involve automated or prerecorded communications, understanding your TCPA protections for harassing calls may help you understand what protections could apply.
Credence has also faced lawsuits and consumer complaints over the years. For instance class actions that were filed in 2017 accused the company of doing things related to debt collections and robocalls including allegations that the company broke the FDCPA and Telephone Consumer Protection Act. Those were allegations in lawsuits and not findings that every accusation was proven.
Why Is Credence Resource Management Calling Me?
There isn’t always one obvious explanation. Before deciding what to do, determine which situation applies to you.
You Have an Outstanding Debt
Credence may be contacting you because a creditor placed an unpaid account with the agency for collection.
That doesn’t mean you should ignore the situation. It also doesn’t mean you need to agree to whatever payment demand comes over the phone.
Ask for information about the account and make sure you understand who the original creditor is, how much is allegedly owed and whether the debt is actually yours. If the debt is legitimate, you can then consider your options for addressing it.
They’re Calling the Wrong Person
Sometimes debt collectors call people just because they have wrong contact information.
You might be getting calls that are meant for another person. It is also possible that the debt has already been paid or resolved. Recent BBB complaints involving Credence include consumers disputing accounts they said were not theirs or challenging inaccurate collection information.
If the debt isn’t yours, don’t simply accept responsibility because a collector sounds confident. Request information in writing and dispute the account when appropriate.
You Suspect Identity Theft
If someone used your information to open an account, the collection call may be the first sign that something is wrong.
In that situation, consider placing a freeze or fraud alert on your credit files, reviewing your accounts and reporting suspected identity theft through the appropriate federal channels. Keep copies of everything you submit.
The goal isn’t simply to get the phone calls to stop. You also need to protect yourself from further damage.
Is Credence Resource Management a Scam?
No. Credence Resource Management is a real debt collection company, not simply a fake operation created to make random demands for money. BBB lists Credence Resource Management as a collections agency and maintains a business profile for the company.
That said, legitimate company does not automatically mean legitimate conduct in every interaction.
BBB currently lists a substantial number of complaints involving the company, including complaints concerning billing and collection-related disputes. BBB also cautions that complaint information should be considered in context and does not independently guarantee the accuracy of every complaint.
The distinction matters. If you receive a genuine collection call, you still have consumer rights. A collector’s status as a legitimate business doesn’t erase those rights.
Is Credence Resource Management Harassment? Signs to Watch For
Not every unwanted collection call is automatically harassment. But repeated or aggressive conduct can raise serious concerns.
Watch for patterns such as:
1. Receiving more than five calls in a day
2. Calls before 8 a.m. or after 9 at night.
3. Abusive, obscene or threatening language
4. Discussing your debt with people who aren’t authorized to receive that information
5. Threats of violence or physical harm
6. Demands for more money than you actually owe
7. False or misleading statements about the debt or your legal situation
8. Threats that you will be arrested if you don’t pay
The details matter. Save the evidence instead of relying on your memory later.
Federal debt collection law restricts abusive, deceptive and unfair collection practices, and individual circumstances can determine whether a particular interaction violates the law. Understanding your FDCPA protections can help you determine what rights may apply to your situation.
How to Stop Credence Resource Management From Calling You
If Credence Resource Management calling you has become excessive or inappropriate, don’t just keep answering every call and hoping the problem disappears. If you are dealing with repeated collection calls, learn more about how to stop harassing collection calls and the legal options available to you.
1. Document Every Contact
Create a simple record of every call.
Write down:
- Date and time
- Number that appeared on caller ID
- Whether the call was automated or from a representative
- Name of the representative, if available
- What was said
- Any threats or unusual statements
- Voicemails & text messages you received
Don’t delete or throw away any mails or call screenshots because those timestamps help show a distinct pattern.
2. Submit a Formal Cease & Desist Request
Send a written request to Credence stating to cease communications with you if you want to stop the calls. It is best to send the letter by certified mail and keep the receipt as well as a copy of exactly what you sent safely with you. In such situations these written documentation gives you evidence of what you requested and when the collector received it.
Under the FDCPA, there are limited circumstances in which a collector may communicate with you after receiving a written cease-communication request, such as confirming that further collection efforts will stop or notifying you about a specific legal remedy.
3. Speak With a Debt Harassment Lawyer
If the calls involve threats, deception, repeated contact or other potentially unlawful conduct, a creditor harassment attorney can examine the actual communications and determine whether you may have a legal claim.
Many consumer law firms offer free case reviews and may handle qualifying cases on a contingency-fee basis, meaning you generally don’t pay an attorney fee upfront for the representation. Ask the firm how its fee arrangement works before moving forward.
4. File a Complaint if the Conduct Continues
You can report them directly to the CFPB or FTC, if you think the collector has crossed legal lines.
A complaint isn’t a substitute for legal advice, but it creates an official record of the problem and may help regulators identify patterns of misconduct.
How to Remove Credence Resource Management From Your Credit Report
Seeing Credence Resource Management on your credit report can be just as stressful as receiving the calls.
The good news is that you don’t have to simply accept an account you believe is inaccurate. But removing a legitimate, accurately reported debt isn’t automatic either.
Here are several steps worth considering.
Request Debt Validation
If you are still, within the time to fight back after you get that notice from the debt collector you should dispute the debt right away. You can also ask the debt collector to show you the proof that you actually owe the money.
Send a written dispute as it helps you keep a paper trail of what you said. Make sure you keep a copy of your letter and the receipt because it acts as a proof that you sent it. If the account details, the total amount or the creditor info are wrong do not just send a vague complaint. If the debt was already paid or if the numbers do not match your notes you must explain the exact mistake in your letter.
Dispute the Account With the Credit Bureaus
You can also push back on inaccurate details by reaching out to the credit bureaus carrying the record which may include:
- Equifax
- Experian
- TransUnion
Explain exactly what information you believe is inaccurate and include supporting documents when available.
Consider a Pay-for-Delete Agreement Carefully
Some consumers negotiate with a collector for deletion of a collection account in exchange for payment. This is sometimes called a pay-for-delete arrangement.
There is no guarantee that Credence will agree to one.
If a deletion agreement is offered, get the terms in writing before making the payment. Don’t rely on a verbal promise from a representative.
Also, don’t make a payment solely because someone says it will “reset” or “fix” your credit report. Payments and acknowledgments can have different consequences depending on the circumstances and state law. Before paying an old debt specifically to resolve a credit-reporting issue, consider getting legal advice.
Consider Whether an FDCPA or FCRA Claim Applies
If the problem involves unlawful collection practices or inaccurate credit reporting, there may be a legal remedy beyond a standard credit dispute.
If you believe the collection conduct may support a legal claim, learn whether you qualify for a debt harassment lawsuit.
For example, evidence that a collector misrepresented a debt, used prohibited collection tactics or continued certain conduct after receiving a proper cease-communication request could be important to an attorney evaluating a potential FDCPA claim.
A successful resolution may sometimes involve correction or removal of an account, but credit-report deletion is not guaranteed in every case.
The right approach depends on what happened, what documentation exists and whether the account itself is valid.
Can Credence Resource Management Sue You or Garnish Your Wages?
Credence cannot lawfully threaten you with a lawsuit or wage garnishment based on a debt that isn’t valid simply to scare you into paying.
But that doesn’t mean a legitimate debt can never lead to a lawsuit.
A debt collector may pursue a valid debt through the court system where permitted by law. If a collector actually files a lawsuit and you fail to respond, a court could enter a default judgment. Depending on applicable state law and the circumstances, that judgment may allow collection remedies such as wage garnishment.
If you receive an actual summons or lawsuit, don’t treat it like another collection letter. Do not ignore it. Contact an attorney promptly and find out what response is required and when.
Talk to a Debt Harassment Lawyer for Free
You don’t have to figure out whether Credence Resource Management crossed the legal line by yourself.
If you’re dealing with repeated calls, questionable collection tactics, a debt you don’t recognize or a Credence account appearing on your credit report, a debt harassment lawyer can look at the facts and explain your options.
Legal Rights Advocates provide free case review and you can call (855) 472-5418 to discuss your situation.
FAQs
Who is Credence Resource Management?
It is a debt recovery agency headquartered in Texas. It collects on various types of consumer accounts, including telecommunications, medical, utility and credit card debts.
Is Credence Resource Management calling me a scam?
No. Credence Resource Management is a legitimate debt collection company. However, legitimate status does not mean every collection practice is lawful, so you should still pay attention to how you’re being contacted and what you’re being told.
Why does Credence Resource Management keep calling me?
There are a few things that could be happening. Sometimes you might have a debt that you forgot about. Times the agency might have the wrong contact information. Possibilities of someone else using your identity to open an account may also count. You should find out which situation applies to you before you decide how to respond to the agency.
How to stop Credence Resource Management from calling?
You will have to document the calls and send a written cease-communication request by certified mail and still if the calls continue or involve unlawful conduct, a debt harassment attorney can review your situation and discuss your options.
How do I remove Credence Resource Management from my credit report?
If you believe the account is inaccurate, you can dispute the debt with the collector and the credit reporting agencies. Depending on the circumstances, you may also have options involving negotiation or a potential FDCPA or credit-reporting claim. Removal isn’t guaranteed simply because you dispute an account.
Can Credence Resource Management sue me or garnish my wages?
They may pursue a legitimate debt through the courts where permitted by law. Wage garnishment generally requires a judgment and is subject to applicable state and federal restrictions. They cannot lawfully use false threats about an invalid debt simply to pressure you into paying.
Other Phone Numbers Used by Credence Resource Management
Credence Resource Management may contact consumers using different phone numbers. If one of these numbers has appeared on your caller ID, keep a record of it as part of your documentation.
- 855-875-4065
- 512-428-8674
- 855-752-9257
- 855-876-5380
- 408-775-7337
- 833-684-3185
- 206-208-2129
- 765-629-4356
- 855-876-5351
- 833-753-2697
- 225-666-2958
- 346-226-3947
- 510-901-5425
- 405-500-7206
- 833-584-1345
- 833-648-0600
- 866-209-6205
- 469-898-8025
- 833-955-4522
- 442-280-7781
- 844-499-1825
- 833-895-0320
- 401-291-5238
- 504-399-3499
- 754-258-6319
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