Collection Attorneys USA LLC, which calls itself CA/USA, is a Dallas, Texas law firm that serves the debt industry nationwide and recovers consumer debts through collection campaigns and, when it decides to, legal action.
- Type
- Collection law firm
- Also known as
- Collection Attorneys USA LLC; CA/USA
- Headquarters
- Dallas, TX
- Collects
- consumer debts for lenders and other debt-industry clients
- Phone numbers it lists
- (877) 439-1110, (469) 608-0000
- Website
- causallc.com
62 debt collection complaints were sent to the Consumer Financial Protection Bureau about Collection Attorneys USA 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 Collection Attorneys USA?
Collection Attorneys USA LLC uses the short name CA/USA. Its website describes it as "a full-service law firm that provides services to the debt industry nationwide." Its address is 1914 Skillman St., Suite 110, PMB 374, Dallas, Texas 75206 (a private mailbox), and its phone numbers are (469) 608-0000 and (877) 439-1110 toll-free. The BBB lists the business as a limited liability company formed in August 2022 and names Dean S. Hoover as managing member.
On its About page, CA/USA calls itself a "third-generation law firm" and says it is a Certified Professional Receivables Company (certification C2209-1169), naming Toby Gialluca as chief compliance officer.
Why Collection Attorneys USA May Be Contacting You
CA/USA says it recovers consumer debt "through both diplomatic collection campaigns and appropriate escalation to legal action," and it refers to lenders as clients. It doesn't name those clients. A first letter from CA/USA usually means a lender or a company that bought your account has sent it to the firm to collect; it may or may not lead to a lawsuit. Because the firm is based in Dallas, Texans who receive its letters should take them seriously and check right away whether any case has been filed in their county.
How to Check a Debt Collection Attorneys USA Says You Owe
- Validation notice: it should name the current creditor and the original creditor, itemize interest, fees and payments since the itemization date, and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before that deadline. Ask for the signed agreement or account statements and, if the account was sold, the chain of assignment showing your account.
- Search the docket. Texas justice courts and county courts publish case lookups. A dispute letter does not change the deadline to answer a lawsuit; see what to do first if you're sued.
- Find the date of default. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004). A debt buyer may not sue on a consumer debt past that period (Tex. Fin. Code § 392.307).
- Check licensing. Texas requires third-party collectors to file a surety bond with the Secretary of State; see licensing in Texas.
What Collection Attorneys USA Can and Can't Do
Attorneys who regularly collect consumer debts are "debt collectors" under the FDCPA, even when they sue (Heintz v. Jenkins, 514 U.S. 291 (1995)). The Texas Debt Collection Act also applies. So CA/USA:
- May not send letters implying a lawyer reviewed your account when none meaningfully did (15 U.S.C. § 1692e(3)).
- Must sue, if at all, in the county where you live or signed the contract (15 U.S.C. § 1692i).
- May not threaten action it can't legally take (15 U.S.C. § 1692e(5)), such as a suit by a debt buyer on time-barred debt (Tex. Fin. Code § 392.307) or wage garnishment for an ordinary consumer debt, which Texas doesn't allow (Tex. Const. art. XVI, § 28).
- Must keep calls within the Reg F presumption of seven in seven days (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Collection Attorneys USA. If you think the firm went too far, our Texas FDCPA attorneys page explains your options.
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 Collection Attorneys USA 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
- Collection Attorneys USA: home page
- Collection Attorneys USA: About
- BBB business profile: Collection Attorneys USA (business facts only)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Collection Attorneys USA LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Collection Attorneys USA has violated any law. Company details change; tell us if something here is out of date.