Credence Resource Management: Who They Are and Your Rights

Type

Collection agency

Also known as

Credence Resource Management, LLC; Kriya Capital, LLC; Credence

Headquarters

Richardson, TX

Collects

telecommunications accounts, media and entertainment accounts, healthcare bills

Phone numbers it lists

(855) 880-4791

Website

credencerm.com

12,938 debt collection complaints were sent to the Consumer Financial Protection Bureau about Kriya Capital, 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 Credence Resource Management?

Credence Resource Management, LLC is a third-party collection agency based at 1111 Digital Drive in Richardson, Texas, in the Dallas area. Complaints about it in the CFPB's consumer complaint database are filed under the name of its owner, Kriya Capital, LLC. A West Virginia business registration lists Kriya Capital LLC as the member of Credence Resource Management, LLC, a Nevada company, at that same Richardson address.

Kriya Capital describes itself as a Dallas investment firm that owns and runs business-process companies. In a January 2019 press release announcing its purchase of a Mississippi receivables firm, Kriya called Credence its "flagship receivables management enterprise." Credence's website tells consumers it communicates only in English and Spanish, and it gives a correspondence address of PO Box 2300, Southgate, Michigan, alongside the Richardson corporate office where it asks for written disputes.

Why Credence Resource Management May Be Contacting You

Credence markets its collection services to telecommunications providers, media and entertainment companies, and healthcare providers. In practice, that means a Credence call or letter often concerns a final bill from a phone, wireless, cable or internet account, a streaming or media subscription, or a patient balance.

The agency's consumer payment center and its published phone number, (855) 880-4791, are the channels it lists for account questions, payment arrangements, complaints and disputes.

How to Check a Debt Credence Says You Owe

Old phone and cable bills are easy to get wrong. Charges for unreturned equipment, early-termination fees and a last partial month are common sources of disagreement, and accounts opened in someone else's name show up in this industry too. Before paying, read the validation notice Credence must send within five days of first contacting you (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It should name the creditor, itemize the balance from a set date, and give the last day of your dispute period.

• If anything looks off, dispute in writing before that date. Credence's site directs written disputes to its Richardson office. A timely written dispute requires it to stop collecting until it sends verification.
• Ask which company currently owns the account and whether Credence is collecting as an agent or for a buyer.
• Pull your final statement and any equipment-return receipt, and compare them line by line with the itemization.
• If you think the account was opened fraudulently, say so in the dispute and consider an FTC identity-theft report.
• Check the date. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states use different periods. See our guide to disputing a debt.

What Credence Resource Management Can and Can't Do

A company whose main business is collecting debts owed to others is a "debt collector" under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692a(6). Credence's own website carries the FDCPA's debt-collector disclosure. That means:

• It is presumed to violate the law if it calls you about a particular debt more than seven times in seven days, or within seven days after a phone conversation about it (12 C.F.R. § 1006.14(b)(2)). See our note on Regulation F's call limits.
• Letters and calls must identify Credence as a debt collector. A collector can't send a letter that falsely appears to come from the original provider.
• Every collection text or email must offer a simple way to opt out.
• If you write that you refuse to pay or want contact to stop, it must stop, apart from limited notices (15 U.S.C. § 1692c(c)).
• It can't threaten a lawsuit that no one intends to file, and in Texas a creditor can't garnish wages for an ordinary phone or medical bill.

If you believe a collector crossed these lines, our FDCPA attorneys can review what happened.

Government Actions on the Public Record

• Colorado Attorney General settlement (alleged letters sent in an ambulance provider's name and calls over state limits; $43,500 payment) (2026-03-06)

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 Credence Resource 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

• Credence Resource Management: official website and consumer payment center
• Credence Resource Management: legal and contact page
• West Virginia Secretary of State: Credence Resource Management, LLC business record (member: Kriya Capital LLC)
• PR Newswire: Kriya Capital acquires Receivable Solutions Specialist Inc (Jan. 9, 2019)
• Colorado Attorney General: settlement with Credence Resource Management (Mar. 6, 2026)
• CFPB Consumer Complaint Database: Kriya Capital, LLC, debt collection

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