Hillcrest Davidson & Associates: Who They Are and Your Rights

Type

Collection agency

Also known as

Hillcrest Davidson and Associates

Headquarters

Richardson, TX

157 debt collection complaints were sent to the Consumer Financial Protection Bureau about Hillcrest Davidson & Associates 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 Hillcrest Davidson & Associates?

Hillcrest Davidson & Associates is a debt collection company. In an August 2021 order, the Arkansas State Board of Collection Agencies listed its address as 715 North Glenville Drive, #450, Richardson, Texas, in the Dallas area. We could not locate an official company website, so this profile lists no phone number; rely on the contact details printed in any letter you receive, and verify them before paying.

In that order (Case No. 2021-001, dated August 24, 2021), the Arkansas Board stated that an employee of the company tried to collect a debt owed by an Arkansas business from about July 2020 through June 2021 while neither the employee nor the company held an Arkansas collection agency license. The order notes the company's position that no license was needed because the debt arose from a commercial transaction, and that the company did not appear at the hearing. The Board concluded that the collection activity, and certain contacts with the debtor's attorney and his spouse, violated Arkansas law and Board rules. It ordered a $172,500 civil penalty and said it would not accept a license application until the penalty was paid. We did not find a CFPB enforcement action against Hillcrest Davidson & Associates.

Why Hillcrest Davidson & Associates May Be Contacting You

We could not verify which creditors or industries Hillcrest Davidson & Associates works for. The Arkansas matter involved a business debt, but the CFPB has received consumer complaints naming the company, so it also contacts individuals. Its first letter should tell you the name of the creditor and the balance it claims.

How to Check a Debt Hillcrest Davidson & Associates Says You Owe

When you don't know the collector's client base, make it put the details in writing.

• Insist on the validation notice. A collector must provide the creditor's name, an itemized balance and your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. Ask for a copy of the contract or invoice and an account history. Collection must pause until it responds.
• Ask who owns the debt now, and whether the company is collecting for the original creditor or a later owner.
• Find out whether the account is consumer or business. The FDCPA protects only consumer debts, so this matters for your rights.
• Check the dates. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different periods.

What Hillcrest Davidson & Associates Can and Can't Do

A company that regularly collects consumer debts for others is a "debt collector" under 15 U.S.C. § 1692a(6). Texas also requires third-party collectors to keep a surety bond on file with the Secretary of State (Tex. Fin. Code § 392.101); see do collection agencies have to be licensed in Texas? For consumer accounts:

• Once it knows you have a lawyer, it generally must contact the lawyer instead of you (15 U.S.C. § 1692c(a)(2)).
• It may not discuss your debt with relatives, other than your spouse, or with your employer (15 U.S.C. § 1692c(b), (d)).
• It may not threaten a lawsuit or other action that it cannot legally take or does not intend to take (15 U.S.C. § 1692e(5)).
• More than seven calls in seven days about one debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).

Read how to dispute a debt, or visit our FDCPA attorneys page.

Government Actions on the Public Record

• Arkansas State Board of Collection Agencies order (unlicensed collection in Arkansas; $172,500 civil penalty) (2021-08-24)

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 Hillcrest Davidson & Associates 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

• Arkansas State Board of Collection Agencies: Findings of Fact, Conclusions of Law, and Order, Case No. 2021-001 (Aug. 24, 2021)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Hillcrest Davidson & Associates, debt collection

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