Constant calls from 667-440-1094?
Sue the Caller!

Is Credit First National Association Calling You from 667-440-1094?

If you’ve been receiving calls from 667-440-1094, the caller may be Credit First National Association (CFNA). CFNA is a financial services company that issues private-label credit cards and financing programs for automotive retailers such as tire and service shops.

Because CFNA may be collecting its own debt, it may not always fall under the Fair Debt Collection Practices Act (FDCPA) in the same way as third-party collection agencies. However, state consumer protection laws still limit harassment, deceptive practices, and excessive collection calls.

Know Your Rights – State-Specific Protections

Many states provide additional protections against abusive debt collection practices:

California: Calls must generally occur between 8 a.m.–9 p.m., and deceptive statements or unauthorized third-party contacts are prohibited.

Connecticut: Creditors cannot pretend to be government officials, accuse consumers of crimes, or use calls to harass or annoy.

Florida: Prohibits misleading statements, excessive calls that amount to harassment, and workplace calls if the employer does not allow them.

Maryland: The Maryland Consumer Debt Collection Act bans threatening or deceptive tactics and allows consumers to pursue damages.

Massachusetts: Limits collection calls to two calls within seven days to a personal number.

Michigan: Calls cannot occur before 8 a.m. or after 9 p.m., and workplace calls must stop if the consumer objects.

Missouri: The Missouri Merchandising Practices Act prohibits deceptive or unfair conduct related to credit or debt.

North Carolina: The North Carolina Debt Collection Act bans harassment, threats, and deceptive collection practices.

Pennsylvania: The Fair Credit Extension Uniformity Act restricts repeated calls and deceptive tactics.

Texas: Calls are limited to 8 a.m.–9 p.m., and collectors generally cannot call at work if the employer prohibits it.

What You Can Do

If 667-440-1094 keeps calling:

• Request written verification of the debt.
• Keep a record of every call, including dates and times.
• Send a written request asking the creditor to stop or limit contact if your state law allows.
• Speak with a consumer rights attorney if the calls appear excessive or abusive.

Call Lemberg Law for a Free Consultation

If Credit First National Association at 667-440-1094 has been calling repeatedly or using aggressive tactics, you may have legal options.

Call Lemberg Law for a free consultation. You pay nothing unless we win. Let us help stop the calls and protect your rights.