Who is Consumer Collection Management?
Consumer Collection Management, Inc. (CCM) is a debt collection agency based in St. Louis, Missouri. They are a professional organization that works on behalf of creditors to collect the money owed to them.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Consumer Collection Management collect for?
Consumer Collection Management serves a wide range of clients but they specialize in three main areas: medical debt, commercial debt, and apartment debt. Medical debt pertains to any unpaid bills from healthcare providers, hospitals, and other medical institutions.
Commercial debt refers to unpaid business-to-business invoices or delinquent loans. Lastly, apartment debt usually arises from unpaid rent, broken lease agreements, or charges for damages that exceed the deposit.
Is Consumer Collection Management legit or a scam?
Consumer Collection Management is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Consumer Collection Management from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Consumer Collection Management, Inc. Contact Information
Address:
Consumer Collection Management, Inc.
2333 Grissom Dr. Ste 100
St. Louis, MO 63146
Mailing address:
Consumer Collection Management, Inc.
PO Box 1839
Maryland Heights, MO 63043
Phone number: (314) 432-2430 or (800) 325-6611
Should I contact or pay Consumer Collection Management?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Consumer Collection Management is to work with a credit repair professional. They help remove millions of negative items every year from companies like Consumer Collection Management, Inc. on behalf of their clients.
Will Consumer Collection Management sue me or garnish my wages?
Consumer Collection Management may choose to take legal action to recover the money you owe. This could involve filing a lawsuit against you. If they win the lawsuit, they could potentially garnish your wages or take other measures to collect the debt, depending on the laws in your state.
Consumer Collection Management, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Consumer Collection Management, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Consumer Collection Management to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Consumer Collection Management cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Consumer Collection Management must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Consumer Collection Management cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Consumer Collection Management From Your Credit Report Today!
Credit Saint offers assistance with disputing Consumer Collection Management collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
