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How to Beat Credit Management Company

Dena Standley | November 09, 2022

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

When you beat Credit Management Company in court ^^

Summary: Credit Management Company is a debt collection agency that helps collect debt in several industries throughout the entire US. If you’re being contacted by Credit Management Company, you should request that all their communications be in writing and send a formal debt validation request. If you’re being sued, use SoloSuit to respond to the lawsuit and win in court.

Credit Management Company will likely use every trick in the book to get money out of your pocket. Such persistence and aggression can be extremely frustrating.

All debt can weigh you down. However, healthcare debts are notorious for driving consumers into bankruptcy. And yet, collecting on behalf of healthcare providers is Credit Management Company's forte.

Of course, you want to pay your debts. But sometimes, debt collectors do not comprehend how emotionally and physically exhausting it can be juggling sickness in the family with their unending calls, messages, and letters.

It helps if you know how to protect yourself from debt collectors. The information discussed here can help you handle a lawsuit, stop phone calls, and ensure no debt collector takes advantage of you.

Fight off Credit Management Company debt collectors with SoloSuit.

Is Credit Management Company legit?

Credit Management Company (CMC) is a debt collection agency with licenses to collect in all 50 states. It has been active for 56 years, collecting in the following industries: healthcare, commercial, financial services, higher education, and government.

CMC has offices in New York and Pittsburgh at the following addresses:

CMC Pittsburgh
Foster Plaza Building 7
661 Andersen Drive, Suite 110
Pittsburgh, PA 15220

CMC New York
200 E Post Rd
White Plains, NY 10601

The Credit Management Company phone numbers are:
Office: 412-937-0900
Toll-Free: 1-800-472-1483

Who does Credit Management Company collect for?

Although CMC collects mainly for the healthcare industry, it has branched out to other industries, including the public sector and some financial institutions.

So if you have debts resulting from court fees, utility bills, or taxes, the accounts can end up in CMC's hands.

The most common debts that end up with CMC come from:

  • Surgery centers
  • Acute Care hospitals
  • Rehabilitation centers
  • Long-term health care
  • Court fees
  • Taxes
  • Utility bills, etc.

Although legitimate, consumers have many complaints against CMC.

Consumer Reviews for Credit Management Company

CMC says that its staff is professional, but many consumers disagree. They give CMC an average of 1.3 stars from 68 reviews on Google. Better Business Bureau (BBB) reviews are hardly better at 1.5 out of 5 stars.

AS of 2022, the BBB has received more than 30 complaints against Credit Management Company in the past three years.

Consumers complain that Credit Management Company are unprofessional and intimidating when they call. They are also known for reporting incorrect debts to the credit reporting bureaus and failing to validate debts upon request. Below is an example of a real complaint against Credit Management Company from its BBB profile:

“Credit Management Company placed an alleged debt on my credit report on 3/15/2019. I am not aware of what the collection is nor what it pertains to. I have requested validation of this debt on 7/18/22 and 9/27/22 via certified mail with return receipts. This company has not responded nor sent me any information as I have requested multiple times. Therefore, please remove this collection from my credit report as your company has not provided proof this debt is owed by me, no information on this debt (as I am legally entitled to request) and I have received no communication whatsoever.”

The Fair Debt Collection Practices Act (FDCPA) protects consumers from such mistreatment. The act prohibits CMC from:

  • Harassing or speaking down to consumers
  • Asking for personal information
  • Refusing to identify themselves as debt collectors
  • Calling multiple times per day for one debt
  • Contacting family members or friends about your debt
  • Refusing to validate the debt

Instead, any debt collector must:

  • State their name and that of the company they represent (including license numbers)
  • Correctly identify you as the owner of the debt
  • Disclose that they are debt collectors

You should never give your personal information, such as your social security number, to anyone claiming to be a debt collector. Otherwise, you may open yourself up to identity theft.

Take these actions to beat Credit Management Company

Whether it's just the phone calls or CMC has taken you to court, here's everything you need to know to help you win.

Stop CMC's calls

Stopping debt collectors' calls can be simpler than you imagine.

  • Ask for written communication: Asking for written communication is beneficial in more ways than one. Aside from keeping solid evidence of correspondence, CMC should stop contacting you via phone calls as soon as they receive your request.

  • Send CMC a “Cease and Desist”: Although a Cease and Desist does not take away the debt, it stops the debt collector from contacting you to collect on the account. They can only reach you to tell you what action they plan to take.

Let’s explore an example.

Example: John is contacted by CMC for an outstanding debt. He asks that they stop contacting him via phone because it is disruptive to his home life. He follows that verbal request with a written one sent to CMC. The calls continue. John then crafts a Cease and Desist letter citing his rights under the FDCPA. He demands that all further contact from CMC take place in writing. The phone calls stop, and John is able to send a Debt Validation Letter. When CMC responds to validate the debt, John discovers that the debt does not belong to him and informs CMC–resolving the issue and ending all contact with the debt collector.

Ask CMC to validate the debt

Mistakes are common in the debt collection industry. When CMC first contacts you, it’s best to request that they validate every debt they claim you owe.Validation includes providing the documents you signed on the account, its history, all interests applied, and an accurate balance.

CMC should verify all debts in writing within five days of contact. If they don’t have the proper documents to prove the debt is valid, they must cease collection efforts.

You should send a Debt Validation Letter within 30 days. Keep proof of CMC's receipt of the letter by using certified mail. Check out this video to learn more about how a Debt Validation Letter can help you beat Credit Management Company:

SoloSuit can help you generate the Debt Validation Letter in a few steps.

Write your own Debt Validation Letter in minutes.

Win your lawsuit against Credit Management Company

The most stressful part of handling debt collectors is when they take you to court. But you do not have to go through it alone. SoloSuit has prepared an easy step-by-step guide on how to win your debt collection lawsuit.

If Credit Management Company is suing you for debt, the lawsuit begins when you receive the court documents known as the Summons and Complaint (also known as the Petition in some states). The Summons notifies you of the lawsuit, while the Complaint lists the specific claims CMC is making against you.

Winning a debt collection lawsuit starts way before the hearing dates are set. You must first respond to the charges by filing your Answer with the court and sending a copy to the debt collector's attorney. Here are the steps:

  1. Respond to the claims from the Complaint document: You should reply to each claim. State if you agree with the plaintiff's charge, if you deny, or whether you deny it because you do not understand the claim. Indicate either of the three responses on each numbered point in the Complaint.

  2. Assert your defenses: Your affirmative defenses are not why CMC should forgive you, but rather, why you are not guilty. For instance, you can argue that CMC cannot sue you because the debt is past the statute of limitations of your state. Other reasons include the debt not belonging to you, CMC violating your consumer rights, and an inaccurate debt amount.

  3. File the Answer in court: Time is of the essence. You may have 14 days before it is too late to file. Some states allow up to 35 days; check your state’s requirements and abide by its timeline. If you are late, the judge may issue a judgment, and you will automatically lose the lawsuit. Send a copy to the court and CMC’s attorney, and keep a copy in your records.

SoloSuit can help you draft and file an Answer in all 50 states. This will help you tackle your lawsuit like a lawyer without hiring an attorney.

To learn more about these three steps, check out this video:

You can beat Credit Management Company if you stand up for your rights, request a debt validation for every debt, and respond to your lawsuit with a written Answer in good time.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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