Who Is Credit Management Company?
Credit Management Company (or CMC for short) is a third-party debt collection agency. Here are the key facts you should know about them:
Type of company: Third-party debt collector and Extended Business Office (EBO) servicer
Founded: February 1, 1966
Headquarters: 661 Andersen Drive, Suite 110, Pittsburgh, PA 15220
Secondary office: 200 E Post Rd, White Plains, NY 10601
President: Joel McKiernan (since January 2021)
Industry specialties: Healthcare, government, higher education, and financial services
Employees: 80-150 employees
Licensed in: All 50 states
Better Business Bureau (BBB) rating: B+ (accredited since December 2016)
Known clients: AdventHealth, First Premier Bank, Sprint, AMR (ambulance services), Adams County (PA) courts
Credit Management Company has been around for almost 60 years and primarily collects on medical debt owed to hospitals and health systems. They also collect debts on behalf of government entities, banks, and telecom companies.
You Are Not Alone: Others Are Getting These Calls, Too
The number of complaints about this phone number is nothing short of staggering. Over 1,630 consumers have reported 888-250-7027 to the Federal Trade Commission (FTC). RoboKiller has tracked more than 300,000 calls originating from this number.
The BBB alone has registered over 300 complaints about CMC in the past 3 years, with 87% of them related to problems with billing and collections.
Despite this truly remarkable volume of complaints, there have been no formal enforcement actions filed against Credit Management Company of Pittsburgh by the Consumer Financial Protection Bureau (CFPB), FTC, or any state attorney general. That doesn’t mean the behavior is lawful; it just means the system hasn’t caught up with them yet.
Why Is Credit Management Company Calling Me?
The Original Creditor Already Wrote You Off
Credit Management Company is calling you because someone—a hospital, a bank, or perhaps a government agency—decided you weren’t paying your debt fast enough and didn’t want to waste any more of their time and resources trying to collect from you.
At that point, the original creditor (OC) decided to either sell your debt outright to a third-party collector or assign it to a collection agency like CMC on a contingency basis.
In either scenario, the OC has written off your balance as a bad debt and moved on with their life. CMC now has a file with your name on it, your phone number, and the amount you owe.
What they often don’t have is your complete paperwork trail—that is, the original contract you signed, your billing statements, and the documentation to prove the amount is accurate and the statute of limitations hasn’t expired.
Their Business Model Values Quantity over Quality
The debt collection industry is all about volume, and agencies like CMC collect thousands of files at a time before unleashing their auto-dialers to call as many people as possible as many times as possible. Their objective isn’t to ensure every single file is 100% accurate; their objective is to make enough phone calls that a certain percentage of consumers pay up without ever questioning the debt.
The Voice on the Other End of 888-250-7027
The "Lisa Williams" Script
If you’ve already received a voicemail from this number, you already know the voice. Almost every single consumer who has registered a complaint about 888-250-7027 describes receiving the same pre-recorded voicemail message from a woman named Lisa Williams. The message plays twice consecutively and never mentions the consumer’s name by name.
One YouMail consumer captured the experience: “This is the same message I get at least every other week. They also call me every day and never address me by my name in the voicemail they leave.”
Another wrote: “Lisa Williams calls me every day leaving messages but doesn’t say who she is looking for so I never answer.”
The fact that the message is generic isn’t an accident. Auto-dialers can blast through thousands of phone numbers per day. No human is verifying that the right person is on the other end of the line.
The Callback Trap
Consumers who have actually returned the calls to 888-250-7027 describe a circular nightmare. The automated voicemail prompts you to enter a Reference ID or Account Number, neither of which you have because they never sent it to you.
One complainant described her experience to the BBB in detail: “Regardless of what you say, they loop around to a point where you are asked for an account number.”
Another consumer filed a complaint with the BBB after successfully connecting with a live person, only to be told there was no account in her name or linked to her phone number—and yet the calls kept coming. The rep allegedly told the caller she couldn’t stop the calls because there was no account to flag.
This is an important concept to keep in mind: the phone number exists for one reason and one reason only, and that reason isn’t to make a payment. Under the Fair Debt Collection Practices Act (FDCPA), a debt collector is required to provide you with their contact information so you can request they validate the debt.
That’s what this phone number is for. It’s a mechanism for you to demand proof, not a way for you to give them your bank account information.
What People Are Saying about 888-250-7027
Calls That Keep Going On for Months and Even Years
Perhaps the single most universal theme in the complaints about this number is just how relentlessly these calls are placed. Consumer after consumer describes calls every single day that go on for months or even years, regardless of whether they block the number, file a complaint, or ask the caller to please stop calling them.
One RoboKiller user reported in September 2025: “Have been getting calls for over a year about some credit management company and it’s always a Lisa Williams leaving a voicemail. I have the number blocked but the calls still go through.” Another consumer on the site ShouldIAnswer said: “Lisa Williams on a robo-dialer calls me at least every other day. Been going on for about 3 months now, [and] I see nothing in my credit history.”
Multiple consumers report that CMC is using spoofing to circumvent call blocking. One reviewer on the BBB website reported that when he blocked the number, they spoofed a new number, and when he told them to stop calling him, they told him no.
Wrong Number, Wrong Person, Wrong Debt
A fair number of the consumers who are fielding these calls say they don’t owe money to anyone. One YouMail consumer named Zachary wrote in April 2025: “I don’t know why I’m getting phone calls from a Credit Management Company when I don’t even own a credit card and don’t owe anything to anyone anywhere.”
Another consumer on 800notes reported that she’s been getting calls for years despite the fact that she has no outstanding debts, speculating that CMC had purchased debts she’d discharged in bankruptcy over a decade ago and was trying to collect on balances that she’d already settled under the law.
When debt collectors play the numbers game, they’re going to catch plenty of people in their net who don’t actually owe them anything.
How to Stop the Calls from 888-250-7027
Your Rights under Federal Law
The FDCPA affords you the right to demand that a debt collector show you proof that you actually owe the debt they’re trying to collect. This is called debt validation, and when you make that request in writing within 30 days of their initial contact, the debt collector is required to cease all collection activity until they can provide that validation. A separate federal law called the Telephone Consumer Protection Act (TCPA) regulates how and when debt collectors can use auto-dialers to call you.
In general, the law prohibits debt collectors from calling you before 8 a.m. or after 9 p.m. in your time zone. Several consumers have reported receiving calls from CMC outside those hours, including one consumer who reported a 6:42 a.m. call in September 2025.
The Credit Report Dispute Strategy
The single most powerful weapon in your arsenal isn’t your phone; it’s your credit report. If Credit Management Company has made an entry on one of your credit reports for a collection account, you have the right under the Fair Credit Reporting Act (FCRA) to dispute that entry directly with the credit reporting agencies (CRAs)–that is, Equifax, TransUnion, and Experian.
When you dispute the entry, the CRA is required to investigate by reaching out to CMC to ask them to verify the account. At that point, CMC has a month to get back to the CRA with the documentation they need to establish that the debt is valid, that the information about it is accurate, and that it legally belongs to you.
If they can’t provide that documentation, the entry has to come off your credit report. And once it’s gone, it’s gone for good. That’s the beauty of the dispute process: when you force the debt collector to prove their case with documentation, you’re almost guaranteed to win because documentation is the one thing the volume-based collection model simply doesn’t sustain.
Conclusion
It’s Time to Take Action
The calls from 888-250-7027 aren’t going to magically stop. Credit Management Company has been running this robocall operation for nearly a decade, and blocking the number alone won’t bring the calls to an end. What will change the game is when you change the dynamic.
Order copies of your 3 credit reports and see if CMC has placed a collection account on any of them. If they have, dispute it. Make them show you the proof they need to verify the debt, because the odds are good that they can’t provide it with a complete paperwork trail. The dispute process puts the burden of proof where it belongs: on the debt collector, not on you.
FightCollections.com specializes in helping consumers fight back against debt collectors by disputing credit report entries. If Credit Management Company is on your credit report, we can help you challenge the listing and get it removed.
So why wait for the next robocall from “Lisa Williams”? Start now.
