Credence Resource Management, a Dallas-based debt collection agency, has been the subject of a Credence Resource Management lawsuit on multiple fronts, with consumers filing federal cases over robocalls, secretly recorded phone calls, attempts to collect debts past the statute of limitations, and unauthorized card fees. If the company is contacting you or has filed suit against you, federal and state law give you specific tools to respond.
Who Credence Resource Management Is
Credence is an accounts receivable firm headquartered at 4222 Trinity Mills Road in Dallas, with a second office in Southgate, Michigan.1BBB. Credence Resource Management LLC BBB Complaints It handles both first-party collections (sometimes using the creditor’s brand) and third-party collections under its own name, working for clients in healthcare, telecommunications, retail, financial services, and utilities.2Credence Resource Management. Credence Resource Management Home Page Known clients include AT&T (Uverse and Mobility), DirecTV, and T-Mobile.
Federal litigation against the company has been heavy. One legal database cataloged more than 100 lawsuits across 19 states.3Agruss Law Firm. Credence Resource Management LLC At one point the firm faced 24 suits in a single 12-month period in the Eastern portion of the 11th Circuit, 18 cases in the Central U.S. since late 2014, and 16 in the Western portion of the 9th Circuit over 18 months. In 2016, the Minnesota Department of Commerce took punitive action against the company for consumer protection violations, though public sources do not detail the penalties.4Cardozo Law Corp. Credence Resource Management LLC
What Credence Has Been Sued For
Robocalls and Autodialer Use
Several proposed class actions have accused Credence of using automated dialers to call cell phones without consent, in violation of the Telephone Consumer Protection Act. A California consumer alleged in 2015 that daily robocalls played a prerecorded voice indicating autodialer use over a debt she said she did not owe.5Top Class Actions. Credence Resource Management Sued Failing Stop Robocalls In August 2017, Koch v. Credence Resource Management (Case No. 8:17-cv-01981) alleged automated calls to a Florida consumer who shared a name with the actual debtor, invoking both the TCPA and the Fair Debt Collection Practices Act.6ClassAction.org. Debt Collector Credence Resource Management Sued Over Robocalls
Recording Calls Without Notice
Two California class actions have alleged Credence recorded consumers’ cellular calls without disclosure. Morris v. Credence Resource Management (Case No. 3:18-cv-00128), filed in January 2018, cited California Penal Code ยง 632.7 and sought statutory damages of $5,000 per violation or three times actual damages.7ClassAction.org. Morris v. Credence Resource Management LLC Complaint Bullen v. Credence Resource Management (Case No. 3:21-cv-01520), filed in August 2021, brought similar Invasion of Privacy Act claims seeking the same $5,000-per-violation figure.8Top Class Actions. Debt Collection Company Illegally Recorded Phone Calls Without Permission Says Class Action Lawsuit
Time-Barred Debts
In Parker v. Credence Resource Management (Case No. 2:17-cv-02807), filed in May 2017, a New York consumer alleged that Credence sent a collection notice for a cell phone debt past the four-year statute of limitations, using tactics the complaint called “deceptive.”9ClassAction.org. Lawsuit Says Credence Resource Management Tried to Collect Expired Debt
Unauthorized Card Fees
Spencer v. Credence Resource Management (Case No. 2:17-cv-04282-DGC), filed in Arizona in November 2017, alleged the company charged a $5 “card fee” every time it pulled a monthly payment from the plaintiff’s checking account by debit card, without authorization from the underlying creditor agreement or from law.10ClassAction.org. Credence Resource Management Sued Over Electronic Payment Fees
None of these cases show a publicly reported settlement or verdict in the available record.
If Credence Is Contacting You
Under the FDCPA, a debt collector must provide validation information within five days of first contact. If you dispute the debt in writing within 30 days of receiving that notice, Credence must stop collection activity until it sends you written verification.11FTC. Debt Collection FAQs Sending a written dispute is the single most important early step, because it forces the collector to substantiate the debt and creates a paper trail.
Check the age of the debt. Statutes of limitations run three to six years in most states, and the clock generally starts when a payment is missed. Making a partial payment or acknowledging the debt in writing can restart the limitations period in many states, so be careful about what you say and pay on an old account.11FTC. Debt Collection FAQs Federal law prohibits collectors from suing or threatening to sue on a time-barred debt.12Consumer Financial Protection Bureau. Can Debt Collectors Collect a Debt That’s Several Years Old
Common consumer complaints against Credence, logged with the Better Business Bureau, echo the same problems: disputes that the debt is owed at all, credit reporting without proper validation, identity theft claims, charges for equipment consumers say they returned, and continued calls and texts after the debt was disputed.13BBB. Credence Resource Management LLC BBB Complaints Page 2 In its BBB responses, Credence has said it does not need a direct contract with the consumer to collect, does not need consumer authorization to report to credit bureaus, and cannot control how the bureaus handle its entries.1BBB. Credence Resource Management LLC BBB Complaints
If Credence Has Sued You
You must respond by the deadline printed in the court papers. Miss it and the court can enter a default judgment, which can lead to wage garnishment or seizure of bank funds. In Texas Justice Court, the answer is due 14 days after service and is free to file.14Texas Law Help. How to Answer a Debt Collection Case in Justice Court Many other jurisdictions give you 20 to 30 days from the date of service.
Defenses worth raising include:
- The plaintiff’s standing to sue, especially if the debt was sold and the current owner cannot document the chain of ownership.
- The accuracy of the amount claimed, including any added fees.
- The statute of limitations, if the last activity on the account falls outside your state’s window.
When Credence May Have Violated the Law
If you believe Credence violated the FDCPA, you can sue in state or federal court within one year of the violation and recover up to $1,000 in statutory damages plus attorney’s fees.11FTC. Debt Collection FAQs TCPA robocall violations carry statutory damages of $500 to $1,500 per call, which is why unwanted automated calls to a cell phone are worth documenting with dates, times, and any recordings or voicemails.
You can also file a complaint with the Consumer Financial Protection Bureau, which tracks debt collection complaints and has received filings against Credence.15Get Out of Debt. Credence Resource Management LLC CFPB Complaint A CFPB complaint routes to the company for a response and creates a federal record, which is useful evidence if you later file suit or defend against one.