Tate & Kirlin Associates, Inc. is a collection agency in Trevose, Pennsylvania, that recovers unpaid and delinquent accounts for its business clients. A call or letter from it means a creditor placed an overdue account with it.
- Type
- Collection agency
- Also known as
- Tate & Kirlin Associates, Inc.; Tate and Kirlin Assoc
- Headquarters
- Trevose, PA
- Phone numbers it lists
- (800) 355-0333, (888) 737-6858
- Website
- tate-kirlin.com
87 debt collection complaints were sent to the Consumer Financial Protection Bureau about Tate and Kirlin Assoc 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 Tate & Kirlin Associates?
Tate & Kirlin Associates, Inc. is an accounts receivable recovery company at 4800 E. Street Road, Suite 170, in Trevose, Pennsylvania. Its website says it has more than 27 years of experience recovering unpaid and delinquent accounts. The site has separate entrances for consumers, who can use a consumer portal and pay online, and for businesses looking for a collection partner. We did not find a CFPB enforcement action against Tate & Kirlin Associates.
Why Tate & Kirlin Associates May Be Contacting You
Tate & Kirlin's website does not list its clients or the kinds of accounts it handles, and we have not been able to confirm them. So the letter itself is your best guide: the validation notice must name the creditor to whom the debt is owed. Until you have that notice in hand, don't assume the account is one you recognize.
The company lists a toll-free number, (800) 355-0333, and a separate toll-free line for Spanish speakers, (888) 737-6858. It says it is open Monday through Friday from 8 a.m. to 7 p.m. and Saturday from 8 a.m. to noon.
How to Check a Debt Tate & Kirlin Associates Says You Owe
When you don't know which creditor is behind a call, get everything in writing before you discuss payment.
- Ask for the validation notice if one hasn't arrived. Federal law requires it to name the current creditor, give an account number and itemize the balance, and Regulation F sets its form (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Send a written dispute within the validation period if you don't recognize the creditor or the amount. Ask for a copy of a statement from the original creditor and for the date of your last payment.
- Find out whether the account was sold. If a debt buyer owns it now, ask when it bought the account and from whom.
- Compare the balance to your own records and to your credit reports.
- Don't let an old debt restart. Texas generally gives creditors four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Limitation periods vary by state.
What Tate & Kirlin Associates Can and Can't Do
An agency that regularly collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6), and the FDCPA and Regulation F apply to its calls and letters.
- It must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
- It may not call you at work if it knows or has reason to know your employer prohibits such calls (15 U.S.C. § 1692c(a)(3)).
- It may not place more than seven calls in seven days about one debt (12 C.F.R. § 1006.14(b)(2)); see our page on Regulation F contact limits.
- It may not discuss your debt with relatives, neighbors or co-workers, except to find your contact information (15 U.S.C. §§ 1692b, 1692c(b)).
For help with a collector's conduct, 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 Tate & Kirlin 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
- Tate & Kirlin Associates: home page
- CFPB enforcement actions search: Kirlin
- CFPB Consumer Complaint Database: Tate and Kirlin Assoc, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Tate & Kirlin Associates has violated any law. Company details change; tell us if something here is out of date.