Who Is Calling 385-440-4977?
If you’re receiving calls from 385-440-4977, they may be from Credence Resource Management, a third-party debt collection agency. Debt collectors are allowed to contact consumers about unpaid accounts—but they must follow federal consumer protection laws, including the Fair Debt Collection Practices Act (FDCPA).
If the calls feel excessive, aggressive, or confusing, you may have important legal protections.
Your Rights When Dealing with Credence Resource Management
Federal law limits how debt collectors can contact you. Here are some common FDCPA violations to watch for:
📞 Calls at unreasonable times or repeated calls
Collectors generally cannot call before 8 a.m. or after 9 p.m. in your time zone. Repeated or nonstop calls from 385-440-4977 could be considered harassment.
⚠️ Harassment, threats, or abusive language
Debt collectors cannot threaten arrest, use profanity, or pressure you with intimidation.
📄 Failure to provide written debt details
Within five days of first contact, Credence Resource Management must also send written notice of the debt, including the amount owed and the name of the original creditor.
👥 Contacting others about your debt
They cannot discuss your debt with family members, coworkers, or friends (except to locate you).
❌ False or misleading statements
Additionally, collectors cannot misrepresent the amount you owe, falsely claim legal action, or pretend to be attorneys or government officials.
What to Do If 385-440-4977 Keeps Calling
If you’re unsure about the debt—or concerned about how you’re being contacted—take these steps:
Request Debt Validation
Ask Credence Resource Management to provide written proof of the debt. This confirms the debt is legitimate and that you’re responsible for it.
Document Every Call
Keep detailed notes about each contact—including the date, time, caller name, and what was said. Also, save voicemails and letters.
Dispute the Debt in Writing
If the debt is incorrect or not yours, you can dispute it. Collection efforts must pause until the debt is verified.
Send a Cease-and-Desist Letter
You can demand that the company stop contacting you. Afterward, once they receive your request, they may only contact you to confirm they will stop or to notify you of specific legal action.
You May Be Entitled to Compensation
If calls from 385-440-4977 have been harassing, misleading, or unlawful, you may have the right to take legal action and recover damages.
📞 Contact Lemberg Law for a free, no-obligation consultation.
You pay nothing unless we win.
Ways You Might See This Number
385-440-4977
38544049771-385-440-4977385.440.4977385 440 4977(385) 440-4977This could be a Debt Collector calling you.
Other Examples of Illegal Harassment
- Multiple calls per week or day
- Attempts to collect more than you owe
- Early morning or late night calls
- Calls to friends, neighbors, or coworkers
- Collection calls at work
- Use of obscene language
- Threats of violence, lawsuit, or arrest
- Attempts to intimidate you
- Use of obscene language
- Multiple calls from different phone numbers
Fight for Your Rights
The Law Protects You
The Fair Debt Collection Practices Act protects you from debt collector abuse. You can sue and recover up to $1,000.
Our Experience
We make it easy to exercise your rights. We’ll sue the debt collector on your behalf – at no upfront cost to you.
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