Trident Asset Management, LLC is an Alpharetta, Georgia company that acts as a master servicer for owners of consumer debt portfolios, such as debt buyers, lenders and investors, and also collects accounts directly. A letter from Trident usually concerns an older consumer account that a portfolio owner holds.
- Type
- Debt servicer
- Also known as
- Trident Asset Management, L.L.C.; Trident Asset Management, LLC
- Headquarters
- Alpharetta, GA
- Collects
- purchased consumer credit accounts
- Phone numbers it lists
- (866) 695-8893
- Website
- tridentasset.com
301 debt collection complaints were sent to the Consumer Financial Protection Bureau about Trident Asset Management, L.L.C. 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 Trident Asset Management?
Trident Asset Management, LLC describes itself as an independent master servicer for institutional clients, including portfolio owners, lenders, investors and debt buyers, across the life cycle of consumer receivables. Its website lists a physical office at 10375 Old Alabama Rd Conn, Suite 303, Alpharetta, GA 30022, and a mailing address for consumer correspondence and payments at P.O. Box 888424, Atlanta, GA 30356. Trident publishes NMLS #1421440 and a Nevada collection agency license, and its management team cites more than 100 years of combined consumer-credit experience. The company does not publish its founding year or owners on its site.
Why Trident Asset Management May Be Contacting You
Trident plays two roles. As a master servicer, it keeps the records for a portfolio owner's accounts, reconciles payments and manages the other servicers and agencies working those accounts. Its consumer page also identifies it as a collection agency, and it supports consumers directly with payments and account questions.
In practice, a notice from Trident is usually about a consumer credit account that the original lender sold to an investor or debt buyer. Trident may be the company sending the notice, or it may be named as the servicer while another agency or law firm makes the calls. Trident's consumer line is (866) 695-8893, Monday through Friday, 8:30 a.m. to 5:00 p.m. Eastern, with Spanish-speaking staff available.
How to Check a Debt Trident Asset Management Says You Owe
With a servicer in the middle, you need to know three names: the original creditor, the current owner and the company collecting.
- Get the validation notice. It must name the creditor to whom the debt is currently owed, and for a sold account it must also identify the original creditor and an itemization date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. Send it to the address on the notice. Trident (or whichever collector sent the notice) must then stop collecting until it mails verification.
- Ask for the chain of ownership. Request the name of the portfolio owner and the date it acquired the account, along with the original account number.
- Test the balance. Compare the charge-off figure with your last statement from the original lender, and ask how any later interest was calculated.
- Check whether the debt is too old for suit. Texas generally allows four years to sue on consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods.
What Trident Asset Management Can and Can't Do
When Trident collects consumer accounts that belong to its clients, it is collecting debts "owed or due another" and is a "debt collector" under 15 U.S.C. § 1692a(6). Some practical limits:
- It must give accurate information about who owns the debt; it may not misstate the creditor's identity or the balance (15 U.S.C. § 1692e(2)).
- Before reporting an account to a credit bureau, a debt collector must first communicate with you about it (12 C.F.R. § 1006.30(a)).
- It may not sue or threaten suit on a time-barred debt (12 C.F.R. § 1006.26(b)).
- Calls above seven in seven days on one account are presumed to violate Regulation F (12 C.F.R. § 1006.14(b)(2)).
A 2018 Connecticut consent order about collection there while Trident's license had lapsed is listed below. We did not find any other enforcement action against Trident in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026. If you think Trident violated your rights, see our Texas FDCPA attorneys page.
Government Actions on the Public Record
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 Trident Asset Management 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
- Trident Asset Management: home page
- Trident Asset Management: About
- Trident Asset Management: Consumer help
- CFPB Consumer Complaint Database: Trident Asset Management, L.L.C., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Trident Asset Management has violated any law. Company details change; tell us if something here is out of date.