Collectech Diversified, Inc. (CDI) is a Lubbock, Texas collection agency that has served clients on the South Plains since 1988. It specializes in medical, governmental and large institutional collections, so its letters often concern a medical bill or an amount owed to a public agency.
- Type
- Collection agency
- Also known as
- Collectech Diversified, Inc.; CDI
- Headquarters
- Lubbock, TX
- Collects
- medical bills, government accounts, institutional accounts
- Phone numbers it lists
- (806) 747-1122
- Website
- cdilubbock.com
106 debt collection complaints were sent to the Consumer Financial Protection Bureau about COLLECTECH DIVERSIFIED, INC. 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 Collectech Diversified?
Collectech Diversified, Inc. (CDI) is a collection agency at 1721 45th Street in Lubbock, Texas. Its website calls it "the collection agency for the South Plains of Texas" and says it has served the collection needs of Lubbock and the surrounding area since 1988. The Better Business Bureau shows the business as started in August 1988 and incorporated in May 1989, with a second address at P.O. Box 12027, Lubbock, TX 79452. CDI says it is licensed and bonded, uses automated skip tracing and dialing, and is HIPAA, FDCPA and FCRA compliant. We did not find a CFPB enforcement action against Collectech Diversified.
Why Collectech Diversified May Be Contacting You
CDI says it specializes in medical, governmental and large institutional collections, and that it serves some of the largest businesses in its region and several government agencies. If you lived in or received services in the Lubbock area, a CDI letter is likely about a hospital, clinic or physician bill, a charge owed to a local government body, or an account with a large regional institution.
CDI's main office number is (806) 747-1122, and its site links to an online bill-payment portal.
How to Check a Debt Collectech Diversified Says You Owe
Because CDI is a Texas agency collecting mostly Texas accounts, both federal law and the Texas Debt Collection Act apply. Use both.
- Read the validation notice. It must name the provider or agency and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. For a medical bill, request the itemized statement with dates of service and insurance adjustments. For a government charge, ask for the ordinance, citation or account record behind it. CDI must stop collecting until it verifies.
- Use Texas medical-billing rules. A licensed Texas health care facility must send an itemized bill before pursuing collection (Texas SB 490).
- Ask who the creditor is today, especially if the provider has merged or changed names.
- Check the age. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Some government claims follow different rules.
What Collectech Diversified Can and Can't Do
An agency collecting consumer bills for providers and institutions is a "debt collector" under 15 U.S.C. § 1692a(6). In Texas it is also a "third-party debt collector" under Tex. Fin. Code § 392.001(7).
- Texas law requires a third-party debt collector to have a surety bond on file with the Secretary of State (Tex. Fin. Code § 392.101).
- Paid medical collections and medical collections under $500 no longer appear on the national credit bureaus' reports; see medical debt credit reporting changes.
- It may not threaten arrest or criminal prosecution over an unpaid bill (Tex. Fin. Code § 392.301(a)(5); 15 U.S.C. § 1692e(4)).
- It may not call more than seven times in seven days about one bill (12 C.F.R. § 1006.14(b)(2)), and Texas does not allow wage garnishment for ordinary consumer debts.
If its collection seemed improper, see our Texas FDCPA attorneys page.
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 Collectech Diversified 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
- Collectech Diversified: home page
- BBB business profile: Collectech Diversified, Inc.
- CFPB enforcement actions search: Collectech
- CFPB Consumer Complaint Database: COLLECTECH DIVERSIFIED, INC., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Collectech Diversified has violated any law. Company details change; tell us if something here is out of date.