Shepherd Outsourcing is a Greenville, South Carolina company, founded in 2021, that collects accounts placed with it by creditors or account owners. It often reaches people by text message or email that points to its online portal.
- Type
- Collection agency
- Also known as
- Shepherd Outsourcing, LLC
- Headquarters
- Greenville, SC
- Phone numbers it lists
- (855) 410-6059
- Website
- shepherdoutsourcing.com
555 debt collection complaints were sent to the Consumer Financial Protection Bureau about Shepherd Outsourcing, 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 Shepherd Outsourcing?
Shepherd Outsourcing describes itself as a "people powered, technology enabled account servicing company founded in 2021." It says it is based in Greenville, South Carolina, and gives a mailing address of PO Box 27115, Greenville, SC 29616. The footer of its website identifies it as a debt collector and lists NMLS #2287759, a Nevada compliance manager certificate, and a Receivables Management Association International certification (C2407-1192).
Why Shepherd Outsourcing May Be Contacting You
Shepherd says it "services accounts that have been placed with us by creditors or account owners." It does not name its clients or the types of debt it handles on its website. Your notice should identify the creditor and the account.
The company says it may reach you by phone, voicemail, text message, email or letter, and that texts and emails may direct you to its secure portal. Its published number is (855) 410-6059, and the company itself recommends typing shepherdoutsourcing.com into your browser instead of clicking unfamiliar links.
How to Check a Debt Shepherd Outsourcing Says You Owe
A text or email is easy to ignore, but it can carry legal weight. Ask for paper and check it.
- Get the validation information. Shepherd must give you a validation notice, either in its first message or within five days after, naming the creditor, the account and the itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). If it arrived as an email or a portal link, save a copy.
- Ask who the creditor is and whether the account was sold. "Account owner" can mean a debt buyer. You are entitled to know the name of the creditor to whom the debt is currently owed.
- Dispute in writing within the validation period if you don't recognize the account or the amount. Shepherd's site has a dispute form, but a dated letter sent by certified mail gives you the clearest record. Collection must pause until verification is sent.
- Report identity theft if the account isn't yours, using IdentityTheft.gov, and send the report to the collector.
- Check how old the debt is. Texas generally gives a creditor 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 set their own periods.
What Shepherd Outsourcing Can and Can't Do
Shepherd collects accounts on behalf of creditors and owners, which makes it a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)), and its site says so in its footer.
- Each text or email must tell you how to opt out of further electronic messages, and it must honor that request (12 C.F.R. § 1006.6(e)).
- With limited exceptions, it may not email you at an address it knows your employer provided (12 C.F.R. § 1006.22(f)(3)), and it may not contact you, by any method, at times it knows are inconvenient (12 C.F.R. § 1006.6(b)(1)). See our update on Regulation F's call, text and email rules.
- It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
- It may not report the account to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
- It may not threaten wage garnishment that Texas law doesn't allow for ordinary consumer debts (Tex. Const. art. XVI, § 28).
If a Shepherd Outsourcing collection crossed these lines, 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 Shepherd Outsourcing 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
- Shepherd Outsourcing: About
- Shepherd Outsourcing: Why we may contact you
- Shepherd Outsourcing: FAQ
- Shepherd Outsourcing: Contact
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Shepherd Outsourcing, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Shepherd Outsourcing has violated any law. Company details change; tell us if something here is out of date.