Credence Resource Management: Who They Are and How to Respond

Who Credence Resource Management is — the verifiable facts

• Legal name: Credence Resource Management, LLC
• What they are: Both a first/third-party collector and, on some accounts, a purchaser — the role varies by account.
• What they collect: Telecommunications, utility, and healthcare accounts above all — reported clients include AT&T, DirecTV, Cox, and Dish Network — plus insurance, retail, and financial services accounts.
• Headquarters: Dallas, Texas, with offices in San Jose, California; Bellevue, Washington; and Pune and Mumbai, India
• Mailing address for written disputes: 4222 Trinity Mills Road, Suite 260, Dallas, TX 75287

Company details and addresses are as reflected in public records as of June 2026 and can change; when you mail anything, mirror the address printed on the notice you actually received — that address controls for your account.

Credence was founded in 2013 and operates as both a first-party collector (contacting consumers on behalf of original creditors) and a third-party collector, depending on the account. Its own site describes it as an accounts-receivable management firm specializing in telecom, utility, and healthcare collections.

Credence Resource Management wears two hats depending on the account: sometimes it contacts you on behalf of the original creditor (which still owns the debt), and sometimes it is collecting an account that has been placed or transferred. You usually can’t tell which from the letter alone — and the difference matters for who you ultimately negotiate with. A written validation demand settles it: federal law requires the response to identify the current creditor.

Your rights in the first 30 days

Federal law front-loads your leverage. Under 15 U.S.C. § 1692g, if you dispute the debt in writing within 30 days of receiving the validation notice, Credence Resource Management must cease collection until verification is mailed to you. Under 12 C.F.R. § 1006.26 (Regulation F), no collector may sue or even threaten to sue on a time-barred debt — a strict-liability rule. And under 15 U.S.C. § 1692e, misrepresenting the legal status or amount of a debt is itself a federal violation. None of these rights depends on whether you owe the money.

How to respond — the right first move

One certified letter does all the work: it disputes the debt in writing (preserving the § 1692g pause), demands the itemized history, the signed agreement, and proof of authority to collect — including the chain of assignment showing Credence Resource Management owns your specific account, and states plainly that nothing in it acknowledges the debt or waives any defense. Send it certified mail, return receipt requested, keep the green card, and say nothing of substance on the phone until the response arrives. The preview below shows how it opens.

Check the dates before anything else

Telecom and cable balances are among the most dispute-prone in collections — early-termination fees, unreturned-equipment charges, and promotional-credit math routinely land in collections while still contested. A validation demand makes Credence document the balance line by line before you pay a dollar of it.

Every state caps how long a collector has to sue — and in most states a payment or signed acknowledgment can restart that clock. Before any payment on an older account, run the dates against your state’s rules: see our debt statute of limitations by state guide and the medical bill dispute letter guide.

If they sue

Respond — always. Most collection suits end in default judgments because the consumer never answers, and a default converts a contestable claim into a garnishable one. Answering puts ownership documentation, itemization, and any limitations defense squarely in play, and your dated validation letter becomes Exhibit A: proof you demanded the paperwork before they filed. For the validation mechanics in depth, see our debt validation letter guide and the assignment-documentation playbook.

Run your deadline, see the letter