Quote from
Jeff Wood on March 2, 2026, 5:40 pm
I've been getting relentless calls from Credit Protection Association (CPA) out of Dallas about an old bill. At first, I tried to just handle it online, but then I noticed they tack on a $5.25 "convenience fee" for online payments. After digging around, I found out they're actually facing federal lawsuits over those exact fees and even have a big FTC settlement for how they handle disputes.
The calls are constant, and I read their letters can contain what courts have called "veiled threats." It feels like harassment disguised as "relationship management." If you're dealing with the same thing, you need to know your rights. This article breaks down exactly how to fight back, demand validation without the illegal fees, and get the calls to stop.
Link: https://protectionforconsumers.com/stop-credit-protection-association-debt-collection-harassment/
I've been getting relentless calls from Credit Protection Association (CPA) out of Dallas about an old bill. At first, I tried to just handle it online, but then I noticed they tack on a $5.25 "convenience fee" for online payments. After digging around, I found out they're actually facing federal lawsuits over those exact fees and even have a big FTC settlement for how they handle disputes.
The calls are constant, and I read their letters can contain what courts have called "veiled threats." It feels like harassment disguised as "relationship management." If you're dealing with the same thing, you need to know your rights. This article breaks down exactly how to fight back, demand validation without the illegal fees, and get the calls to stop.
Link: https://protectionforconsumers.com/stop-credit-protection-association-debt-collection-harassment/
