Conrad Credit Corporation is the collection business of Conrad Companies, a California group whose headquarters address is in Escondido and whose original company was founded in 1989. It collects unpaid accounts for business clients and offers litigation through a division called Conrad Asset Team.
- Type
- Collection agency
- Also known as
- Conrad Credit Collections; Conrad Companies; Conrad Asset Team
- Headquarters
- Escondido, CA
- Phone numbers it lists
- (800) 826-6723
- Website
- conradcredit.com
26 debt collection complaints were sent to the Consumer Financial Protection Bureau about CONRAD CREDIT CORPORATION 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 Conrad Credit Corporation?
The CFPB lists complaints for this company as Conrad Credit Corporation. Its website, conradcredit.com, is published by Conrad Companies and refers to the collection business as Conrad Credit Collections. The site says Conrad is a group of companies headquartered in San Diego, California, and that Keith Richenbacher and John Page founded the original company in 1989 with ownership unchanged since. Its headquarters address is 476 West Vermont, Escondido, CA 92025, and its main number is listed as 800.8.CONRAD, which dials (800) 826-6723. Client services uses a PO Box in Escondido.
We did not find a CFPB enforcement action against Conrad Credit Corporation.
Why Conrad Credit Corporation May Be Contacting You
Conrad's site is aimed at businesses whose own billing efforts have stalled. It advertises no setup or minimum fees for clients, skip tracing, reporting to the major credit bureaus, bilingual staff and an online payment system for consumers. It does not name its clients or the industries it serves. A Conrad letter or call therefore means some business has placed an unpaid account with it, and the notice should tell you which one.
For accounts it considers to need more attention, Conrad says it offers litigation through a division called Conrad Asset Team, which reviews accounts and may pursue lawsuits and garnishment where the law allows. If you see the Conrad Asset Team name, the account may be headed toward court.
How to Check a Debt Conrad Credit Corporation Says You Owe
Since Conrad works for many kinds of businesses, begin by identifying exactly which business and which bill are involved.
- Read the validation notice. It must name the creditor and itemize what is claimed (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if you don't recognize the account, and ask for the contract or invoices that created it.
- Check your credit reports. Because Conrad says it reports to the credit bureaus, make sure any entry matches the balance and dates in its letter, and dispute errors with the bureau too.
- Ask whether a lawsuit has been filed if Conrad Asset Team is involved, and check the court's records yourself.
- Know the time limits. In Texas, suits on most consumer debts must be filed within 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). California and other states have their own limits.
What Conrad Credit Corporation Can and Can't Do
A company that collects debts owed to its business clients is a "debt collector" under 15 U.S.C. § 1692a(6). In practice:
- Garnishment requires a court judgment and depends on state law. In Texas, wages cannot be garnished for an ordinary consumer debt.
- It cannot report information it knows or should know is false, and if you dispute a debt it reports, it must show the debt as disputed (15 U.S.C. § 1692e(8)).
- It cannot threaten a lawsuit it doesn't intend to file or isn't allowed to file (15 U.S.C. § 1692e(5)).
- It must respect the Regulation F call limit of seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
If Conrad's 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 Conrad Credit Corporation 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
- Conrad Credit: home page
- Conrad Credit: Conrad Companies (history and headquarters)
- Conrad Credit: Conrad Asset Team
- CFPB enforcement actions list (checked pages 1-17)
- CFPB Consumer Complaint Database: CONRAD CREDIT CORPORATION, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Conrad Credit Corporation has violated any law. Company details change; tell us if something here is out of date.