Credit Protection Association or CPA 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 Protection Association?
Credit Protection Association or CPA is a first and third-party collection agency based in Texas. CPA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and threatening to take actions that cannot legally be taken. If CPA has contacted you about delinquent collection items, make sure you understand your rights before taking action.
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Is Credit Protection Association a scam?
They’re legit. According to the Better Business Bureau (BBB), Credit Protection Association was founded in 1977. The BBB established a profile page for CPA in 1981, and CPA is currently a non-accredited business. The BBB lists Credit Protection Association as a collection agency. CPA is a subsidiary of Etan Industries. Manta estimates the number of employees at its headquarters in Dallas at 100 to 249.
Who does Credit Protection Association collect for?
Credit Protection Association also known as CPA, Equipment Recovery Services, CRD PRT Associates, and Automated Mail Services. The business got its start collecting debts from the cable and telecommunication businesses. Because of this, Credit Protection Association is uncommon for a debt collection agency since it collects not just money, but also equipment like cable boxes and satellite dishes.
They utilize calling campaigns, skip tracing, targeted email, and computer-based robocalls to track down and target customers for collection. Due to its history in cable and telecommunication collections, CPA has developed technical and automatic print and email systems that inform customers of rate changes and service terminations, in addition to define where and how to return equipment, pay a bill, call the service provider, or call the collector.
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 Protection Association?
As of April 2017, the Better Business Bureau reported 257 closed Credit Protection Association complaints over the previous few decades, such as 70 closed CPA complaints over the past 12 months. The BBB provides Credit Protection Association a B- rating. Additionally, Justia lists 30 Credit Protection Association complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and three alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 120 closed CPA complaints for 2016.
Credit Protection Association, LP 13355 Noel Road, Suite 2100 Dallas, TX 75240 Credit Protection Association Phone Number: 877-278-5106 Website: http://www.creditprotect.com/
Can Credit Protection Association 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 CPA 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!
A class action lawsuit was filed against Credit Protection Association by Lemberg Law over claims that the company violated the Fair Debt Collection Practices Act by sending postcards to consumers regarding their alleged debts. The plaintiff said she received a postcard from the defendant that included the words “COLLECTION ALERT,” the debt collector’s name, the plaintiff’s name, the identity of her creditor, her alleged balance, and a reference number. According to the complaint, the plaintiff “was extremely embarrassed and concerned” upon seeing the postcard in her mail displaying her confidential financial “for the public to see.”
Press Releases of Lawsuits Brought On By Lemberg Law Against Credit Protection Association LP
October 1, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Texas. The case, against Credit Protection Association, charges the debt collection agency with violating the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act, and asks for $1,000 in statutory FDCPA damages, $500 to $1,500 for each robocall, plus other relief.
It’s annoying to be on the receiving end of robocalls. Debt collection robocalls are even worse. Our client says that Credit Protection Association used an automatic telephone dialing system and/or a prerecorded message to robocall his cell phone. Sometimes, our client says that the robocall told him to press “4” on his telephone keypad if he was reached in error. Our client did as he was told, and pressed “4” to try and get the calls to stop. That didn’t work, and Credit Protection Association kept robocalling his cell phone.
The lawsuit charges that CPA violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt. It also charges that Credit Protection Association violated the TCPA by robocalling our client’s cell phone.
September 23, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Northern District of Texas. The case, against Credit Protection Association, charges the debt collector with violating the federal Fair Debt Collection Practices Act and the Telephone Consumer Protection Act. The suit asks for $1,000 in statutory FDCPA damages, $500 to $1,500 per call for statutory TCPA damages, plus other relief.
Who hasn’t received a cell phone robocall? Answering the phone and hearing a precorded voice telling you to wait for the next available representative is annoying. But that’s exactly what our client says happened when Credit Protection Association called him. He says that he had returned the equipment in question to the original creditor, and asked Credit Protection Association to remove his cell phone number from their call list. That’s an entirely reasonable request. However, Credit Protection Association continued to robocall our client.
The lawsuit charges that CPA the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt. It also charges that Credit Protection Association violated the TCPA by using an automated telephone dialing system and a prerecorded or artificial voice to call our client on his cell phone without his consent.
Credit Protection Association 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).
Consumers have reported this agency harassing them from the following numbers:
Can I sue CPA 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.
“You’re very professional and useful…. For once I did not feel as though I was alone in the conflict. I got a check in the company — which was amazing in itself — but also the debt collector is no longer on my spine. It feels like a burden has been lifted off my shoulders.”
“I never thought I’d finally be free of the nonstop phone calls and letters in the mail, but I finally am free. You went to work straight away, and I saw results fairly quickly. I can not thank you enough.”
“I was so excited when you told me about the positive results of the lawsuit. If the need ever arises again, I won’t be afraid to call your office or urge your law services to a friend in need.”
Can You Help Me Delete Credit Protection Association from My Credit Report?
Chance are, we could. Contact us and we will explain.
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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.