4M Collections: Who They Are and Your Rights

Type

Collection agency

Also known as

4M Collections, LLC; Discovery Financial Services

Headquarters

Vancouver, WA

53 debt collection complaints were sent to the Consumer Financial Protection Bureau about 4M Collections, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is 4M Collections?

4M Collections, LLC is a small collection agency in southwest Washington. We did not find a company website, so the facts here come from its Better Business Bureau profile, which lists the business under the name Discovery Financial Services with 4M Collections LLC and Discovery Financial Service as alternate names. According to that profile:

• The office is at 9707 NE 54th Street, Suite A, Vancouver, Washington 98662.
• The business started in 1996 and is organized as a limited liability company.
• Its phone numbers are (360) 604-8678 and (360) 604-8514.
• Melinda Chumbley is listed as manager.

We did not find a CFPB enforcement action against 4M Collections.

Why 4M Collections May Be Contacting You

We could not verify which creditors or industries 4M Collections works for. Because it may use either name, a letter could come from "4M Collections" or from "Discovery Financial Services." Note that Discovery Financial Services is not the credit card company Discover; the similar name is easy to confuse.

If you hear from either name, ask the caller to identify the business that hired it, the original account number and the date the account went unpaid. Write down the name the caller uses so you can match it to later letters.

How to Check a Debt 4M Collections Says You Owe

With a small regional agency and little public information, your own paperwork carries most of the weight. Start with the validation notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34. It must name the creditor, give an itemized balance and set a dispute deadline.

If you don't recognize the creditor, or you think the balance is off, send a written dispute before the deadline and ask for the original creditor's records. Ask whether 4M Collections is collecting for that creditor or has bought the account. If you were discharged in bankruptcy, include your case number and discharge date; a discharged debt generally can't be collected as a personal liability.

Check the age of the account as well. In Texas, the general limit to sue on a consumer debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Washington and other states have their own periods.

What 4M Collections Can and Can't Do

A company that collects consumer debts owed to someone else is a "debt collector" under 15 U.S.C. § 1692a(6), so the FDCPA applies to 4M Collections when it collects a consumer debt.

• It must give its real business name and say it is a debt collector (15 U.S.C. §§ 1692d(6), 1692e(11)).
• It may not try to collect a debt that was discharged in bankruptcy as though you still personally owe it (15 U.S.C. § 1692e(2)(A)).
• It may not leave messages that reveal the debt to people who share your phone or voicemail (15 U.S.C. § 1692c(b)).
• It is limited to seven call attempts in seven days per debt before harassment is presumed (12 C.F.R. § 1006.14(b)(2)).

See our FDCPA attorneys page for more.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If 4M Collections or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• BBB business profile: Discovery Financial Services (4M Collections LLC)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: 4M Collections, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that 4M Collections has violated any law. Company details change; tell us if something here is out of date.