Debt Co: Who They Are and Your Rights

Type

Collection agency

Also known as

Debt Co LLC; Debt Co Collections

Phone numbers it lists

(800) 354-8318, (816) 737-3901

Website

debtcocollections.com

174 debt collection complaints were sent to the Consumer Financial Protection Bureau about Debt Co 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 Debt Co?

Debt Co LLC presents itself online as Debt Co Collections, "a full service collection and recovery services agency." Its website includes the disclosure that Debt Co LLC is a debt collector attempting to collect a debt. The About page names Diane Stamatelatos as CEO and Paul Van Oosbree as COO, and says the company's leadership has more than 70 years of combined experience in collections. Debt Co says it is a member of ACA International and follows the Fair Debt Collection Practices Act and state regulations; its website doesn't list a street address or license numbers.

The phone numbers Debt Co publishes are (800) 354-8318 and (816) 737-3901, and it has a text line for people who opt in to messages. We did not find a CFPB enforcement action against Debt Co LLC.

Why Debt Co May Be Contacting You

Debt Co's website doesn't identify its clients or the kinds of accounts it collects, so you'll need to get that from the company. The basic picture is the same for any third-party agency: a business you dealt with, or a company that later bought the account, has hired Debt Co to collect a balance it says you owe. Before you agree to anything, find out who that business is and what the bill was for. Be cautious with anyone who calls claiming to be from Debt Co but won't send anything in writing; you can call the numbers listed on its website to confirm the account is real.

How to Check a Debt Debt Co Says You Owe

When a collector's website tells you little, the written notice it sends you has to do the work.

• Insist on the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It must give the name of the creditor you owe, an account number, the itemization date and a breakdown of the balance since then.
• If you don't recognize the creditor or amount, send a written dispute before the deadline in the notice and ask Debt Co to identify the original creditor and the current owner of the account.
• Check the balance against your bills, bank records or receipts. Unexplained "fees" added by a collector are worth questioning.
• Don't give bank or card details over the phone until you've confirmed the debt and agreed terms in writing.
• Think about the age of the debt. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states use different limitation periods.

What Debt Co Can and Can't Do

Debt Co collects for others, which makes it a "debt collector" under 15 U.S.C. § 1692a(6). Among the rules that apply:

• It may text you only in ways that let you opt out easily, and it must honor a request to stop using a particular channel (12 C.F.R. § 1006.6(e)).
• It may not make more than seven calls in seven days about the same debt without overcoming a presumption of harassment (12 C.F.R. § 1006.14(b)(2)).
• It may not threaten arrest, wage garnishment or a lawsuit that isn't lawful or intended (15 U.S.C. § 1692e(4)–(5)). In Texas, wages can't be garnished for ordinary consumer debts (Tex. Const. art. XVI, § 28).
• It may not add any amount not authorized by the agreement or by law (15 U.S.C. § 1692f(1)).

Our debt lawsuit questions explain what to do if a debt turns into a lawsuit. If Debt Co's collection efforts went too far, talk to 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 Debt Co 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

• Debt Co Collections: Home
• Debt Co Collections: About
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Debt Co LLC, debt collection

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