D&A Services: Who They Are and Your Rights

Type

Collection agency

Also known as

D&A Services, LLC; Dynia & Associates

Headquarters

Des Plaines, IL

Collects

credit card accounts, auto deficiency balances, student loans, small business accounts, post-judgment accounts

Phone numbers it lists

(877) 314-4308

Website

dnasllc.com

113 debt collection complaints were sent to the Consumer Financial Protection Bureau about D&A Services, 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 D&A Services?

D&A Services, LLC is a collection agency headquartered at 1400 E. Touhy Avenue, Suite G2, in Des Plaines, Illinois, a Chicago suburb. According to its About page, the company was founded in 2009 as Dynia & Associates and changed its name to D&A Services in 2015. It lists satellite offices in Houston, Texas and Clearwater, Florida, and names Anthony Crews and Michael Prowicz as managing members.

D&A calls itself a "nationally licensed and bonded collection agency" and says it is a Certified Receivables Business through the Receivables Management Association International as part of a family of companies. Its consumer number is (877) 314-4308 (TTY: 711), and it offers Spanish-language help. We did not find a CFPB enforcement action against D&A Services.

Why D&A Services May Be Contacting You

D&A says it serves national, state and local financial institutions, including major national creditors. The account types it lists are broad: consumer credit cards, student loans, auto deficiencies, small-business accounts, debt-settlement accounts, commercial and mortgage accounts, and post-judgment collections, at every stage from pre-charge-off to long after charge-off. Its executive biographies also mention work with debt buyers, fintech, banking and cellular clients.

In practice, a letter from D&A is most often about a charged-off credit card or loan. "Post-judgment" in its list means some accounts it handles already have a court judgment behind them, so check whether you were ever sued.

How to Check a Debt D&A Services Says You Owe

Because D&A works across the whole life of an account, the first job is to pin down where yours stands.

• The validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34) should identify the creditor you owe today and the creditor on the itemization date. If those differ, the account has probably been sold.
• Ask directly: has this account been sold, and has anyone obtained a judgment on it? If a judgment is claimed, get the court and case number and check the docket.
• For an auto deficiency, ask for the repossession sale notice and the post-sale accounting.
• Match the original account number and charge-off balance against your own statements; send a written dispute within the validation period if they don't match.
• If no suit has been filed, look at the date of default. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Illinois and other states use different periods.

What D&A Services Can and Can't Do

D&A collects debts owed to others, so it is a "debt collector" under 15 U.S.C. § 1692a(6). When it collects from Texas residents, the Texas Debt Collection Act (Tex. Fin. Code ch. 392) applies too. Some limits:

• It may not say it will sue or garnish unless that is lawful and actually intended (15 U.S.C. § 1692e(4)–(5)). In Texas, wages can't be garnished for ordinary consumer debts (Tex. Const. art. XVI, § 28).
• Settlement offers should be in writing before you pay, and should say whether the payment resolves the account in full.
• It may not contact you at an inconvenient time or place, including before 8 a.m. or after 9 p.m. (15 U.S.C. § 1692c(a)(1)).
• Regulation F caps calls: more than seven in seven days about one debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).

If you've been served with a lawsuit, start with our debt lawsuit questions. If you think D&A's conduct violated the law, contact our FDCPA attorneys.

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 D&A Services 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

• D&A Services: Home
• D&A Services: About D&A
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: D&A Services, LLC, debt collection

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