C2C Resources, LLC (C2C) is a third-party collection agency based in Georgia. C2C has received consumer complaints alleging serious violations of the Fair Debt Collection Practices Act (FDCPA), including harassment and threatening to take actions that cannot legally be taken. If C2C has contacted you about past due financial obligations, make sure you understand your rights before responding.
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Is C2C Resources a scam?
They’re legit. According to the Better Business Bureau (BBB), C2C Resources, LLC is a legitimate collection agency founded in 2002. The BBB established a profile page for C2C in 2004. C2C has been a BBB-accredited business since 2011. C2Cis listed as a collection agency. Buzzfile estimates C2C’s annual revenue at $5.9 million and the size of its headquarters staff at 60 employees.
According to its website, C2C stands for “creditor to customer.” C2C creates“creditor 2 customer solutions that help clients collect their accounts receivable.” The C2C website does not indicate for which types of businesses or industries it collects delinquencies. Instead, their website is dedicated to an illustration of their four-part collection system: profit maximizer; infomax; legal forwarding edge; and communication.
C2C’s profit maximizer feature “is a free web-based accounts receivable management system that helps clients streamline… processes so they can minimize bad debt and maaximize…profit.” C2C’s profit maximizer application provides clients with “a contact management system to record notes and schedule call backs for timely follow up on delinquent accounts; a set of collection letter templates that can be sent via email or mail; reports to measure progress; multiple import options including a direct link with QuickBooks allowing automatic sending and updating; and recommended actions and call scripts to help clients choose the most effective action for… delinquent customers.” C2C believes giving their clients the tools to do the job of a collection agency is a good way to build trust.
C2C’s Infomax “communications system allows…investigative resources to keep their team of experienced, professional collectors apprised of all information about…debtors as it comes in, from any source.” Their legal forwarding edge provides clients with “top-of-the-line, experienced collection attorneys.” C2C’s communication services include weekly remittances, telephone updates, monthly reports, daily email notifications, and “24/7 account access.”
C2C states that it is licensed and certified by the Commercial Law League of America (CLLA). The C2C website is entirely client-facing. There are no links or references to any consumer protections resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against C2C Resources?
As of February 2019, the BBB has closed 6 complaints against C2C Resources, LLC in the preceding three years, with 1 complaint closed in the previous 12 months. Almost all of those complaints cited problems with billing and collections. Neither the Consumer Financial Protection Bureau (CFPB) nor Justia has posted any complaint information involving C2C.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely C2C would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against C2C Resources?
Absolutely. Here are some Sample Complaints
Complaints against C2C Resources cite problems resulting from disputes about the validity of debts as well as allegations of harassment and abusive and threatening language. In April 2019, a commercial client stated that he had been contacted by C2C “on several occasions about a matter between his company and another vendor.” The complainant stated that the C2C representative “was leaving messages with very rude, derogatory character references, and other questionable comments about him and members of his family to his staff.” Allegedly, the C2C representative “was very rude to his staff on every occasion, asking personal questions of them and additional members of his family that had no involvement with his business.” The complainant also alleged that “he would call and leave sensitive financial records on the public answering machine for anyone to check…and called the complainant rude names repeatedly to his staff when he would leave messages.” Eventually, one of the complainant’s staff members called C2C “and left a very polite and sensitive message regarding the matter,” and the complainant “was finally able to get the misunderstanding worked out.” In its response, C2C did not accept responsibility for the threatening and abusive language, stating only that there was “some back and forth in the conversations upon review, but we are glad that we were able to get our client to agree to additional time for them to pay their bill.”
In September 2017, a complainant notified the “police department regarding threatening phone calls made… by” C2C. The complainant alleged that the C2C representative who had contacted him “did not say whom he worked for or why he was calling.” Instead, his messages contained threats and insinuations, such as “‘Good morning… I’m going to give you roughly about 30 minutes…to contact me in this office… You also are going to need to reference a case number…Good luck.’” Another message allegedly stated, “‘Hello… I want you to realize that we will be notifying the district attorney concerning you… You need to call this office.’” The complaint and his neighbor “spent a great deal of time trying to figure out the problem,” and they finally understood that the caller was “attempting to get money from us.” In response, C2C stated that they had been “hired to recover funds from an NSF check.” The complainant’s name “was listed as an officer of a couple of companies” the C2C representative “reached out to.” C2C stated that “this will confirm that the complainant is not involved and will not be called again.”
C2C Resources Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Stop Debt Collection Harassment
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
“With your help the nagging collection calls have finally ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with everything I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. I highly recommend them to anyone seeking customer legal services.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
Can You Help Me Delete C2C Resources from My Credit Report?
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.