Collection Professionals, Inc. (Wyoming): Who They Are and Your Rights

Type

Collection agency

Also known as

The Collection Professionals; CPI

Collects

medical bills, credit card and credit union balances, past-due loans, past-due rent and move-out damages, commercial accounts

Phone numbers it lists

(800) 584-9151, (307) 672-6424, (801) 312-0990, (855) 664-6266

Website

cpicollects.com

111 debt collection complaints were sent to the Consumer Financial Protection Bureau about Collection Professionals, 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 Collection Professionals, Inc. (Wyoming)?

This Collection Professionals, Inc., which signs its website "The Collection Professionals" and goes by CPI, is not the Illinois agency of the same name that has its own directory profile. CPI's About page says it has provided collection services to creditors since 1922 and describes it as a Wyoming-based company. Its contact page lists full-service offices in Sheridan, Gillette and Cody, Wyoming; Sandy (Salt Lake City area), Utah; Missoula, Montana; Aurora and Fort Collins, Colorado; and Farmington, New Mexico, plus a separate legal department.

A member profile published by the Montana Independent Bankers Association described CPI's corporate headquarters as being in Sandy, Utah. A Texas Secretary of State bond record shows an active Texas debt collector bond for Collection Professionals Inc. at 1333 E 9400 S, Sandy, Utah, which is the Sandy office address on CPI's site. The website lists NMLS ID 1781929.

Why CPI May Be Contacting You

CPI's website names four kinds of accounts: medical bills from a variety of specialties; financial accounts such as credit cards, credit union balances and past-due loans; landlord-tenant debts, including unpaid rent, evictions and damages; and commercial debt. The bankers' association profile notes that CPI serves the financial industry and that its legal team can file suit at its own expense as a last resort. A CPI call, letter, email or text will most often concern a clinic or hospital bill, a loan from a local bank or credit union, or a balance from a former landlord.

How to Check a Debt CPI Says You Owe

Because CPI handles such different kinds of accounts, start by pinning down which one this is:

• Look for the validation notice. Under 15 U.S.C. § 1692g and Regulation F (12 C.F.R. § 1006.34), CPI must tell you the creditor's name, the itemized amount, and the deadline to dispute. Our validation notice guide lists every required item.
• Match it to your records. For a medical bill, compare against your insurer's explanation of benefits. For rent, check the lease, the move-out inspection and what happened to your security deposit. For a loan, check your last statement and payment history.
• Dispute in writing within the validation period if anything doesn't match. CPI must stop collecting until it mails verification. See how to dispute a debt.
• Ask who owns the account: the original creditor or a buyer.
• Check the limitations period. Texas generally allows four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Wyoming, Utah, Colorado and other states set their own periods.

What CPI Can and Can't Do

CPI collects debts owed to others, so it is a "debt collector" under 15 U.S.C. § 1692a(6). Under the Fair Debt Collection Practices Act and Regulation F:

• It can't call you at work if it knows your employer prohibits it, or at inconvenient times (generally before 8 a.m. or after 9 p.m.).
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2); see our call limits summary).
• If it sues, the lawsuit must be filed in the county where you live or signed the contract (15 U.S.C. § 1692i).
• It can't claim a medical debt is on your credit report if it was paid. Paid medical collections and those under $500 shouldn't appear under the bureaus' current policies.
• For a rent balance, it can't add charges the lease doesn't allow.

We did not find a CFPB enforcement action against Collection Professionals, Inc. If you have questions about how CPI treated you, our FDCPA lawyers can take a look.

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 Professionals, Inc. (Wyoming) 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 Professionals: home page
• Collection Professionals: About us
• Collection Professionals: Contact us (office list)
• Montana Independent Bankers: Featured associate member, Collection Professionals Inc.
• Texas Secretary of State debt collector bond search (Collection Professionals Inc., Sandy, UT, file 20130182)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Collection Professionals, Inc., debt collection

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