The CMI Group aka Credit Management LP 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 CMI Group aka Credit Management LP?
The CMI Group was founded in 2000 and lists them as a collections agency. Buzzfile indicates a founding date of 1999, an annual revenue of $27.3 million and an estimated staff of 96. CMI has a satellite office located in Rochester, MN. CMI’s business model includes two major areas of activity. Their A to Z call center service offers “a seamless extension of client operations…to extend customer lifecycles, enhance brand image and maximize the value of each customer contact.”
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Is CMI Group – Credit Management LP a scam?
They’re legit. According to the Better Business Bureau (BBB), CMI Group was founded in 1990. Its collections division, Credit Management LP, was started in 2001. Credit Management LP has been a BBB-accredited business since 2014. The BBB lists Credit Management LP as a collection agency. Buzzfile estimates Credit Management LP’s annual revenue at $14.9 million and the size of its headquarters staff at 152 employees.
The CMI Group is a legitimate collection agency which claims compliance as one of its core strengths, with a Chief Counsel who specializes in defending collection agencies against FDCPA and Fair Credit Reporting Act (FCRA) lawsuits. Thus, for CMI, compliance may have less to do with ensuring the rights of consumers are protected, and more with ensuring litigation costs are kept to a minimum.
Who does CMI Group – Credit Management LP collect for?
CMI Group’s collections division, known as “Credit Management LP and The Affiliated Group,” offers third-party collection services for the following industries: cable, satellite, and telecommunications; healthcare; utilities; and government accounts including municipalities and education.
CMI’s website is aimed less at the consumer and more at corporations seeking effective third-party debt collection services. For example, all consumer resources have been reduced to a link at the top of the home page labeled, “Did we contact you?” Clicking on this link leads to a “Manage Your Account” page, but there is no mention of consumer protection laws like the FDCPA, consumer rights, or the responsibilities of collection 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.
How many complaints are there against The CMI Group – Credit Management LP?
The BBB lists a total of 264 complaints against Credit Management LP or CMI Group in the past three years, with 92 closed in the past twelve months. Of these 264 complaints, 113 have been resolved to the satisfaction of the complainant. Many complaints allege that CMI tries to collect debts without providing verification or that their customer service is substandard, rude, or non-responsive. As of August 2017, the BBB gives them a rating of A-. Justia lists at least 4 cases of civil litigation naming CMI as a defendant.
CMI Group The Offices of Credit Management, LP
P.O. Box 118288
Carrollton, TX 75011
Can CMI Group 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 CMI 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!
Laws such as the FDCPA contain provisions protecting consumers from certain, specific violations. Complaints against CMI allege violations such as the failure to provide debt verification; inappropriate or abusive communication; and inaccurate reporting of delinquent debt to credit reporting agencies. In a 2012 civil action in United States District Court for the Southern District of Texas, Galveston Division, the plaintiff filed a complaint with the court alleging violations of the FDCPA including Sections 1692 (d), (e), and (g), which address harassment or abuse; false or misleading representation; and validation of debts; the Telephone Consumer Protection Act (TCPA); and the Texas Debt Collection Practices Act (TDCPA).
Although the judge in this case denied the plaintiff’s motion for summary judgement, the defendant’s motion for summary judgement was only partially granted, leaving intact the plaintiff’s charges against CMI with regard to violations of the TCPA, the TDCPA, and FDCPA provisions concerning validation of debts.
The CMI Group – Credit Management LP 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 CMI Group 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.
“I didn’t know there was a group of professionals who were willing to go above and beyond to ensure their clients get justice. You helped stopped the notorious payday loans staff from calling me every now and then. I highly recommend your services to anyone”
“It’s never too late to say a BIG thank you. It’s a month since you assisted me in stopping the numerous telemarketing calls from a company I signed up for their services a few months ago. My interaction with your staff was a great experience.”
“I received a scary call from a group saying that my credit card has been flagged for fraud. They threatened me that I needed to pay off $1,500 or end up incurring heavily in attorney fees, fines or worse a bail. I knew this is likely to be a scam and I contacted Lemberg Law who responded immediately and took over the case. I really appreciate the efforts of the entire legal team for putting an end to what seemed to be a mountain to me.”
Can You Help Me Delete The CMI Group – Credit Management LP From My Credit Report?
In short, chances are we can. Call us to today and we’ll tell you how we can help.
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