Terrill Outsourcing Group, LLC (TOG) is a third-party collection agency based in California. TOG has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failing to verify debts and using prohibited communication tactics. If TOG has contacted you about past due financial obligations, make sure you understand your rights before you respond.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Terrill Outsourcing Group, LLC is a legitimate collection agency founded in 2013. The BBB established a profile page for TOG in 2014. The BBB lists TOG as a collection agency that uses the alternate business name, Superlative RM (SRM). Buzzfile estimates TOG’s annual revenue at $275,000 and the size of its headquarters staff at 12 employees.
The LinkedIn network does not provide a business page for TOG, but a search for Terrill Outsourcing Group leads to a posting for a job with TOG. According to this job posting, TOG “is an established account resolution leader in the healthcare and financial service industries.” TOG’s “core purpose” is to “provide opportunity to those who work for TOG by servicing customers in a dignified manner during their uncomfortable situation.”
Terrill Outsourcing Group does not maintain a separate website. Instead, business reference sites such as BBB, LinkedIn, and Buzzfile point site visitors to the website for Superlative RM. According to this site, TOG “is an industry leader with financial strength, proven effective operating strategies, and a cultured work environment…that can expertly handle customer relationships and accounts receivable management.” TOG accepts delinquent accounts from financial services companies, automotive lenders, healthcare service providers, and debt buyers. TOG “helps businesses regionally and nationally refocus their attention on their customers while benefitting from improved cash flow.”
TOG’s range of services includes pre- and post-charge-off recoveries; past due call campaigns; pre- and post-charge-off letter campaigns; skip tracing; first-party billing and customer service; debt acquisitions; and access to a national network of attorneys. TOG also offers customer relations management services, including inbound and outbound customer service; technical support; customer acquisition; cross-selling and up-selling; customer retention; product and account activation; appointment setting; disaster support; market research; and customer satisfaction surveys.
TOG has posted on its Consumers page the logos of the Consumer Financial Protection Bureau (CFPB); the Debt Buyers Association (DBA International); the California Association of Collectors (CSAC); and the International Association of Credit and Collection Professionals (ACA International). They have also placed a “Mini Miranda” statement at the bottom of the page, identifying themselves as a debt collector. However, the logos cited above do not link site visitors to these agencies; and the TOG website does not provide any further links or references to consumer protection 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.
As of April 2019, the BBB has closed 1 complaint against Terrill Outsourcing Group in the preceding 3 years, in October 2018. This complaint cited problems with billing and collections. Since November 2015, the Consumer Financial Protection Bureau (CFPB) has closed 7 complaints involving TOG. Justia lists at least 1 case of civil litigation involving TOG.
Terrill Outsourcing Group, LLC
9355 East Stockton Blvd., Suite 210
Elk Grove, CA 95624
Telephone: (888) 558-0692
Website: http://www.superlativerm.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely TOG 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!
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Absolutely. Here are some Sample Complaints
Complaints against Terrill Outsourcing Group cite problems resulting from telephone calls and collection letters that may violate FDCPA provisions. In October 2018, a complainant stated that TOG’s efforts to contact her regarding a delinquent auto loan were unprofessional and involved harassment. According to the complainant, TOG had “been calling her for over four months and threatening her each time.” The complainant stated that she “was actually in the process of paying her debt off,” but the auto lender wanted more money and sent the account to TOG. The TOG representative who initially contacted her asked if she could make a payment. The complainant “explained to him that she was out of work at the moment,” and that she “works in film and television. Before she could finish,” the TOG representative allegedly responded, “‘Oh I looked you up and you do more than stunts … You’ve done a few films that are my favorite.’” The complainant was startled that she had been “researched” prior to the call and asked what TOG would be willing to take as a payment arrangement. She also stated that she would be more flexible “at the beginning of the year.” Allegedly, the TOG representative told her that because she is unwilling to pay her debt, her case would be sent to court and her wages would be garnished. The complainant objected, stating she was willing to pay the debt but was unable to make any payments right now. She indicated that the TOG representative responded by saying, “Well, no one told you to pick that career. …You chose that job, now didn’t you?” The complainant became angry and accused him of being unprofessional. She asked to speak to his supervisor, but he “was no better.” He allegedly refused to take her seriously and “thought the phone call was a joke.” She restated that both the supervisor and the representative were unprofessional, had no business researching her background, and shouldn’t be making personally denigrating comments. The supervisor then accused the complainant of making threats.
In response, Terrill Outsourcing Group stated that the account “was placed with them for contingency collections… in a ‘Pre-Legal’ status,” which meant that if TOG were “unable to secure a payment arrangement, their client may pursue a legal option to collect the balance including but not limited to litigation.” TOG stated that they are “not an attorney nor firm, thus any potential litigation would be decided upon by their client and handled by another party.” TOG stated that the complainant made “accusations of comments that were made.” TOG denied all responsibility, stating that “these alleged comments do not exist in the recording of the conversation,” and that the complainant “is heard to actually be in agreement with the supervisor that she will attempt to find a solution by the end of the month and thanked the supervisor for giving her that amount of time.” TOG agreed to cease all activity on the account and not to contact the complainant further.” They also stated that they will return the account to their client. The complainant rejected this attempted resolution, stating she had already received another call from TOG in which the presentative laughed at her.
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.
You may have a case, if…
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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