Consumer Collection Management: Who They Are and Your Rights

Type

Collection agency

Also known as

Consumer Collection Management, Inc.; CCM

Headquarters

Maryland Heights, MO

Phone numbers it lists

(800) 325-6611, (314) 432-2430

Website

consumercollection.com

182 debt collection complaints were sent to the Consumer Financial Protection Bureau about Consumer Collection Management. 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 Consumer Collection Management?

Consumer Collection Management, Inc. (CCM) is a collection agency that uses P.O. Box 1839, Maryland Heights, Missouri as its address, in the St. Louis area. Its website says the company is "celebrating over 40 years in business" and calls it a full-service collection recovery service. The site footer lists NMLS ID 993239, California license 11696-99 and New York City license 2133123-DCWP. We did not find a CFPB enforcement action against Consumer Collection Management.

Why Consumer Collection Management May Be Contacting You

CCM's services page lists contingency-based third-party collections and skip tracing, along with an insurance department, a workers' compensation specialist and a lien and liability specialist. The site does not name its clients or list the kinds of debts it collects, so the creditor named on your notice is what tells you what the account is.

CCM lists (800) 325-6611 toll-free and (314) 432-2430 locally.

How to Check a Debt Consumer Collection Management Says You Owe

CCM's letter may be the first time you hear about an old bill. If the account involves insurance, the balance may also depend on whether a claim was filed, denied or still pending. Get those facts before you pay.

• Read the validation notice. It must identify the creditor and itemize the debt from a specific date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. Ask for the original bill, the date of service or purchase, and a record of any insurance or third-party payments. CCM must pause collection until it verifies.
• Bring in the insurer. If an auto, health or workers' compensation carrier should have paid, ask the carrier for the claim status and send that to CCM.
• Ask who owns the account and whether the creditor has been paid by any other source.
• Watch the limitation period. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004); debt buyers cannot sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Missouri and other states have different rules.

What Consumer Collection Management Can and Can't Do

As an agency collecting for others, CCM is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects consumer debts.

• It may not collect interest, fees or charges unless your agreement or the law allows them (15 U.S.C. § 1692f(1)).
• If the account is a health care bill, the national credit bureaus no longer report paid medical collections or those under $500; see medical debt credit reporting changes.
• It may not call more than seven times in seven days per debt (12 C.F.R. § 1006.14(b)(2)) or call your workplace after learning your employer forbids it (15 U.S.C. § 1692c(a)(3)).
• It cannot garnish wages on its own; a judgment is required, and Texas does not allow wage garnishment for ordinary consumer debts.

If CCM'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 Consumer Collection Management 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

• Consumer Collection Management: home page
• Consumer Collection Management: Our Services
• Consumer Collection Management: Contact Us
• CFPB enforcement actions search: Consumer Collection
• CFPB Consumer Complaint Database: Consumer Collection Management. Inc, debt collection

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