Torres Credit Services, Inc. (TCS) is a Carlisle, Pennsylvania company, in business since 2003, that provides call center, staffing and accounts receivable services and is listed by the BBB as a collection agency. If it contacts you about a debt, it is collecting for one of its client companies.
- Type
- Collection agency
- Also known as
- Torres Credit Services, Inc.; TCS, Inc.; TCS
- Headquarters
- Carlisle, PA
- Phone numbers it lists
- (866) 756-6802
- Website
- torrescredit.com
122 debt collection complaints were sent to the Consumer Financial Protection Bureau about Torres Credit Services, Inc. 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 Torres Credit Services?
Torres Credit Services, Inc. (TCS) is based at 27 Fairview Street in Carlisle, Pennsylvania. Its website describes it as a nationally certified minority business enterprise, in operation since 2003, that provides customer support, staffing and call center services to companies and municipalities, including "Account Receivables Staffing" and nationwide letter services. The site lists Nevada license information (compliance manager number CM11771) and NMLS company ID 991793. The Better Business Bureau classifies TCS as a collection agency, lists TCS, Inc. as another name, and shows the corporation as formed in April 2003. We did not find a CFPB enforcement action against Torres Credit Services.
Why Torres Credit Services May Be Contacting You
TCS's site lists utilities, retail, telemarketing and political campaigns among the industries it serves, but it does not say which clients it collects debts for. Because it also runs inbound and outbound call center work, a call from TCS is not always about a debt; it could be about a client's service, an account inquiry or a survey. When TCS is collecting, its letter must name the creditor, and that name is the best clue to what the account is.
TCS's website lists (866) 756-6802.
How to Check a Debt Torres Credit Services Says You Owe
Because TCS works for clients in several roles, start by confirming that the contact is a collection and whose debt it concerns.
- Ask directly whether the call is about a debt and, if so, which company it is collecting for. A collector must identify itself as one (15 U.S.C. § 1692e(11)).
- Wait for, or ask for, the validation notice. It must name the creditor and itemize what you supposedly owe (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. For a utility or retail account, ask for the final bill, service or purchase dates, and any deposit or return credits. TCS must stop collecting until it verifies.
- Confirm the current owner of the account.
- Know the time limit. Texas generally requires a creditor to sue within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Pennsylvania and other states have their own rules.
What Torres Credit Services Can and Can't Do
When TCS collects consumer debts owed to its clients, it is a "debt collector" under 15 U.S.C. § 1692a(6) and must follow the FDCPA and Regulation F, even if other parts of its business are ordinary call-center work.
- It may not pretend to be calling about something else, such as a survey or account update, to collect a debt (15 U.S.C. § 1692e(10)).
- 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 threaten to cut off a utility service or to sue unless that is lawful and intended (15 U.S.C. § 1692e(5)).
- It may not discuss the debt with your employer or relatives (15 U.S.C. § 1692c(b)).
If its collection seemed improper, 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 Torres Credit 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
- Torres Credit Services: home page
- Torres Credit Services: About
- Torres Credit Services: Industries
- BBB business profile: Torres Credit Services, Inc
- CFPB enforcement actions search: Torres
- CFPB Consumer Complaint Database: Torres Credit Services, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Torres Credit Services has violated any law. Company details change; tell us if something here is out of date.