Thunderbird Collections — What to Know
Receiving calls from 855-267-1173, 800-695-7444, or 303-255-5354? These phone numbers have been reported in connection with Thunderbird Collections, a debt collection agency. If they are contacting you, you have rights under the Fair Debt Collection Practices Act (FDCPA).
Thunderbird Collections is a third-party debt collector, which means the FDCPA applies to their collection activities. This federal law gives you concrete protections against harassment, deception, and unfair collection practices.
Phone Numbers Associated With Thunderbird Collections
Calls from any of the following numbers may be from Thunderbird Collections:
- (855) 267-1173 / 855-267-1173
- (800) 695-7444
- (303) 255-5354
Common Debt Collector Violations to Watch For
When dealing with any collection agency, watch for these FDCPA violations:
- Calling before 8 AM or after 9 PM in your local time zone
- Calling more than 7 times within a 7-day period about the same debt (the "7-in-7 rule" under Regulation F)
- Calling your workplace after being told not to
- Using threatening, obscene, or abusive language
- Misrepresenting the amount owed or their authority
- Failing to send a written validation notice within 5 days of first contact
- Continuing to call after receiving a written cease and desist request
Your Rights Under the FDCPA
- 1. Right to debt validation. You can request written proof that the debt is valid and that Thunderbird Collections has the right to collect it. Make this request within 30 days of first contact.
- 2. Right to cease communication. A written cease and desist letter requires them to stop contacting you, except to confirm receipt or notify you of specific legal action.
- 3. Right to dispute the debt. If you do not recognize the debt or believe the amount is wrong, you can dispute it.
- 4. Right to sue for violations. You may recover up to $1,000 in statutory damages per lawsuit, plus actual damages and attorney's fees.
What to Do Now
- 1. Start a call log — record every call with the date, time, and number.
- 2. Do not provide personal financial information over the phone until you have verified the debt in writing.
- 3. Send a debt validation letter via certified mail, return receipt requested.
- 4. Send a cease and desist letter if you want the calls to stop entirely.
- 5. File a complaint with the CFPB at consumerfinance.gov/complaint.
- 6. Consult a consumer protection attorney. Many take FDCPA cases on contingency with no upfront cost.
Disclaimer
This article is for educational purposes only and does not constitute legal advice. StopDebtCallsNow.com is not a law firm. Phone number associations are based on consumer reports and may change. Consult a licensed attorney for advice specific to your situation.