Credit Management Control Inc or CMC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Credit Management Control?
Credit Management Control or CMC is a third-party collection agency based in Wisconsin. CMC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If this debt collector has contacted you about past due collection items, make sure you know your rights before responding.
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Is Credit Management Control a scam?
They’re legit. According to the Better Business Bureau (BBB), Credit Management Control, Inc. was founded and incorporated in 1980. The B established a profile page for CMC in 1988. Credit Management Control is listed as a collection agency that uses the alternate business name, La Chapelle Credit Service, Inc. Buzzfile estimates Credit Management Control’s annual revenue at $2.7 million and the size of its headquarters staff at 40 employees.
According to its website, CMC “is a full-service, nationally-licensed account recovery company dedicated to utilizing ethical business practices and proven collection procedures, resulting in recovery rates above industry standards and customer satisfaction beyond expectations.”
As a full-service agency, CMC offers a range of services, including third-party collections; first-party early-out self-pay and extended business office services; medical insurance billing follow-up; and consulting. CMC’s third-party collections division employs a bilingual staff trained to use dunning letters, calling campaigns, skip tracing, credit reporting, and asset searches. They also provide legal referrals for persistently delinquent accounts.
CMC’s “Early-Out/Extended Business Office project… mirrors all the policies and procedures of their clients and then tries to improve on them.” CMC’s medical billing follow-up division “improves …collection rates, decreases the number of days in AR, improves the denial management process, …. increases efficiencies and productivity, …and reduces payment delays.” Their consulting program is offered as a “value-added service… to improve revenue cycle initiatives, using the lean six sigma approach to process improvement.” In addition, CMC provides “in-service training… to all revenue cycle associates upon request.”
Who does Credit Management Control collect for?
Credit Management Control provides third-party collection and first-party extended business office services to a variety of clients and industries, including municipal government agencies;general consumer retail providers;healthcare and medical providers; property management companies; and utility service providers. CMC also provides collection services for commercial business-to-business accounts.
CMC states that it records calls to ensure regulatory compliance. Its Consumer FAQ page provides contact information for site visitors who have questions about collection letters. They also provide links to the Ask Dr. Debt website, which is hosted by the International Association of Credit and Collection Professionals (ACA International), and to information about Wisconsin bankruptcy laws.
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 Credit Management Control?
The BBB has closed 18 complaints against Credit Management Control in the past 3 years, with 8 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections. Since August 2017, the Consumer Financial Protection Bureau (CFPB) has closed 1 complaint against CMC. Justia lists at least 6 cases of civil litigation involving CMC.
Credit Management Control, Inc. 200 S Monroe Ave., Ste. 2 Green Bay, WI 54301-4059 Telephone: (866) 854-2357 Website: http://www.creditmgt.com
Can Credit Management Control Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CMC 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!
Complaints against Credit Management Control, Inc commonly cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In March 2018, a complainant indicated her tax return had been garnished by CMC for a medical bill she claimed should have been paid by her insurance company. According to the complainant, “a bill from the City of Madison Ambulance… went into collections because she never received” it. Subsequently, CMC “took her 2017 state tax refund and applied it to the balance.” She stated that although she “had insurance, which was covered through her job…the ambulance company… never sent the bill to her insurance company, … so that is why it went into collections.” The complainant stated that she contacted CMC to discuss the billing discrepancy. The CMC representative stated that her insurance policy was not active during the time she acquired the debt, but the complainant said there was no information to support that claim. She also stated that “while trying to explain this to the representative, he … talked over her, and when she asked for a supervisor… he said that because she didn’t want to talk to him, he was going to disconnect the call.”She repeated her request, but the representative hung up on her. In response, Credit Management Control stated that they had sent the complainant’s insurance information to their client for review for possible billing errors. They stated that their client had not been provided with her insurance information at the time of service, and that the complainant had not responded to CMC’s attempts to collect the debt. CMC indicated that the review process may take a long time. They also indicated their intent to “pull the recordings” of the calls with the CMC representative and review them to determine whether any disciplinary action should be taken.
Credit Management Control 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).
Can I sue CMC for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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.
“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“When my husband got sick and lost his job, I understood that paying all of the medical bills was going to be an issue. What I didn’t understand was that we’d be bombed with telephone calls day and night. I found your site and was contacted the same day that I submitted my advice. You did not charge me, you got cash from the collector, and we finally have silent phones. Thank you for what you did for us!”
“We were so impressed with how the attorney listened to us and understood the position we were in. Thank you for stopping the calls. The check was a nice bonus, but mostly we’re glad we’re not being hounded anymore.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
Can You Help Me Delete Credit Management Control from My Credit Report?
We can absolutely help. Call us today.
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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.