Valor Intelligent Processing, LLC is a Dallas, Texas debt collection agency that offers first-party and third-party collections for businesses and municipalities. It describes itself as digital-first, so many people first hear from it by text message or email.
- Type
- Collection agency
- Also known as
- Valor Intelligent Processing, LLC; Valor
- Headquarters
- Dallas, TX
- Collects
- business accounts, municipal accounts
- Phone numbers it lists
- (877) 472-4439, (844) 724-5158
- Website
- valorvip.com
282 debt collection complaints were sent to the Consumer Financial Protection Bureau about Valor Intelligent Processing, 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 Valor Intelligent Processing?
Valor Intelligent Processing, LLC is a debt collection agency whose physical and mailing address is 12005 Ford Road, Suite 800, in Dallas, Texas. Its website says it offers both first-party collections (working in a client's name) and third-party collections (working in its own name), and that it relies on machine-learning tools and a self-service digital payment experience. The site lists its NMLS ID as 1800659. Its consumer payment site is payvalor.com.
We did not find a CFPB enforcement action against Valor Intelligent Processing.
Why Valor Intelligent Processing May Be Contacting You
Valor's consumer FAQ says it works for businesses and municipalities. Its site does not list specific clients or debt types, so the only reliable way to know what an account is about is to read the creditor's name on your validation notice. A municipal account could be a fee or charge owed to a local government or agency, and a business account could be almost any consumer bill.
The company says it prefers to reach people by text and email rather than phone calls. Its FAQ lists (877) 472-4439 as the number to call to confirm that a message came from Valor, and its consumer pages also list (844) 724-5158.
How to Check a Debt Valor Says You Owe
A collection text with a payment link is easy to act on and easy to fake. Slow down and verify before paying.
- Confirm the sender. Look up Valor's number yourself instead of using a link in an unexpected message, as Valor's own FAQ suggests.
- Get the validation information. Valor must give you the creditor's name, the amount and an itemization, and a date by which you can dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). An electronic notice is allowed only if it follows Regulation F's e-delivery rules.
- Dispute in writing before that date. Ask what the account is, when it arose, and how the amount was calculated. Valor must stop collecting until it verifies the debt.
- Ask who the creditor is today. If Valor is working first-party for a client, the client's name may be the one you see; if third-party, Valor must identify the creditor.
- Check the date of default. Texas allows four years to sue on most debts (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Government charges and other states' debts may follow different rules.
What Valor Intelligent Processing Can and Can't Do
When it collects consumer debts owed to others in its own name, Valor is a "debt collector" under 15 U.S.C. § 1692a(6). Regulation F covers its digital messages too:
- Every text and email must give you a clear, simple way to opt out of further messages through that channel (12 C.F.R. § 1006.6(e)).
- It may not send work email or post about the debt on social media where others can see it (12 C.F.R. § 1006.22(f)).
- Calls are limited to seven in seven days per debt (12 C.F.R. § 1006.14(b)(2)); see Regulation F call, text and email limits.
- Texas requires third-party debt collectors to obtain a surety bond and file a copy with the Texas Secretary of State before collecting in the state (Tex. Fin. Code § 392.101).
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 Valor Intelligent Processing 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
- Valor Intelligent Processing: home page
- Valor Intelligent Processing: Our Story
- Valor Intelligent Processing: Contact Us
- Valor Intelligent Processing: consumer FAQ
- CFPB enforcement actions search: Valor
- CFPB Consumer Complaint Database: Valor Intelligent Processing, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Valor Intelligent Processing has violated any law. Company details change; tell us if something here is out of date.