AvanteUSA: Who They Are and Your Rights

Type

Collection agency

Also known as

AvanteUSA, Ltd.; Avante; AVANTE

Headquarters

Houston, TX

Collects

delinquent consumer accounts, accounts owned by debt buyers

Phone numbers it lists

(832) 476-1740, (281) 872-6261

Website

avanteusa.com

207 debt collection complaints were sent to the Consumer Financial Protection Bureau about AVANTE 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 AvanteUSA?

AvanteUSA, Ltd. describes itself as an accounts receivable management firm. It is based in Houston, Texas, at 3600 S. Gessner Road, Suite 225, and lists NMLS ID 1540496. On its services page the company says it has nearly twenty years of experience in the collection industry and is PCI certified. The CFPB complaint database lists complaints under the shorter name "AVANTE."

The phone numbers on AvanteUSA's website are (832) 476-1740 and (281) 872-6261. The site also invites people to text JOIN to (832) 990-9978 to receive account messages; you don't have to opt in to texts to resolve an account. We did not find a CFPB enforcement action against AvanteUSA.

Why AvanteUSA May Be Contacting You

AvanteUSA's services page describes collecting "delinquent accounts" for clients and specifically mentions a Debt Buyers Servicing Division. That tells you an important fact about many of its accounts: the company you originally did business with may have sold the debt, and AvanteUSA may be working for the buyer. The website doesn't name its clients or list specific debt types, so the letter itself is your best guide to which creditor and which account are involved.

How to Check a Debt AvanteUSA Says You Owe

Because AvanteUSA is a Texas company that services accounts for debt buyers, the questions to ask are about ownership and age.

• Read the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It must name the current creditor; if the debt was sold, it should also identify the creditor as of the itemization date. Compare both names with your records.
• Ask in writing who owns the account, when it was bought, and from whom. A debt buyer should be able to connect your specific account to its purchase.
• Request the itemization: what was owed on the itemization date and every interest charge, fee, payment and credit since.
• Dispute in writing within the validation period if the debt isn't yours, the amount is wrong, or you already paid or settled it with someone else.
• Find the date of your last payment. In Texas, most debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), a debt buyer cannot sue on time-barred consumer debt, and a payment on such a debt doesn't revive it (Tex. Fin. Code § 392.307). Other states have different limitation periods.

What AvanteUSA Can and Can't Do

A collection agency servicing accounts for creditors and debt buyers is a "debt collector" under 15 U.S.C. § 1692a(6). It also must comply with the Texas Debt Collection Act, including the surety-bond requirement for third-party collectors (Tex. Fin. Code § 392.101). Some specifics:

• It may not threaten to sue on an old debt that can't legally be sued on, or suggest that paying will be good for your credit when it won't.
• Text messages are communications. They must disclose that they come from a debt collector (15 U.S.C. § 1692e(11)) and give you a simple way to opt out (12 C.F.R. § 1006.6(e)).
• It may not leave voicemails that reveal the debt to anyone else who hears them (15 U.S.C. § 1692c(b)).
• Regulation F presumes harassment after more than seven calls in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).

If you've been sued by a debt buyer, our debt lawsuit questions will help you get started. For collection conduct that worries you, contact our FDCPA attorneys.

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 AvanteUSA 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

• AvanteUSA: Home
• AvanteUSA: Services
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: AVANTE, debt collection

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