Kriya Capital: Who They Are and How to Respond to Collections

Kriya Capital, LLC is a Dallas, Texas investment firm that owns companies in debt collection and healthcare billing, including Credence Resource Management, which Kriya has called its flagship receivables company. If “Kriya Capital” or one of its companies is contacting you, the name on the letter matters less than the facts: who the original creditor is, how much you owe, and whether it’s really yours. Ask for validation in writing and dispute anything you can’t confirm.

Who is Kriya Capital?

Kriya Capital’s own website describes it as an investment firm, headquartered in Dallas, that invests in middle-market companies in business process services. In press releases from 2019 and 2020, Kriya described itself as a private equity firm with holdings in healthcare, telecommunications, technology and outsourcing. Those releases named these companies in its family:

• Credence Resource Management LLC – called Kriya’s “flagship receivables management enterprise.”
• Innoval Global Solutions LLC – a healthcare revenue cycle (medical billing) company.
• iValuate Global Technologies LLC – a technology company.
• Two companies it bought: Receivable Solutions Specialist Inc. of Natchez, Mississippi (2019), and MedStat Accounts Receivable Management, Inc. of Mesa, Arizona (2019).

Kriya Capital is not the same company as “Kriya,” a British fintech that offers business financing. The names are similar, but they are unrelated as far as public sources show.

Why does Kriya Capital show up in CFPB complaints?

In the CFPB complaint database, Kriya Capital, LLC has about 13,700 complaints, which makes it one of the ten most complained-about names in debt collection. In daily complaint summaries we reviewed from March 2026, the most common issues raised were “debt is not yours,” identity theft, and threats to credit. A complaint is the consumer’s side only and is not proof of wrongdoing.

What we could not confirm: public sources we reviewed don’t say which brand names or which original creditors these complaints are about. It’s possible complaints about companies Kriya owns, such as Credence Resource Management, are filed under the parent’s name, but we could not verify that. We also found no official CFPB, FTC or state attorney general enforcement action against Kriya Capital in our search.

The practical point: you don’t need to figure out the corporate family tree. Your validation notice must tell you who you owe.

How to identify the debt

When a collector you don’t recognize contacts you, use this checklist:

Question	Where to find the answer
What company is collecting?	The name and address on the validation notice
Who is the original creditor?	Validation notice must name the creditor on the itemization date
Who owns the debt now?	Validation notice must name the current creditor
Is it on my credit report?	Free weekly reports at AnnualCreditReport.com
Is it too old to sue on?	Your state’s statute of limitations; see our tool
Could it be identity theft?	Compare with your own accounts; check all three credit reports

Watch for scams

Never give your Social Security number, bank account or card number to someone who called you. Ask for a mailing address and the original creditor’s name. Real collectors must send a written validation notice. Demands for gift cards, wire transfers or same-day payment are warning signs; report them at ReportFraud.ftc.gov.

Your validation rights

Under the Fair Debt Collection Practices Act (FDCPA) and Regulation F, a collector must send a validation notice in its first communication or within 5 days after. It must list the creditor names, an itemization date and the amount on that date, interest, fees, payments and credits since, the current amount, the end of your dispute period, and a dispute form.

If you dispute in writing within 30 days after you receive it, the collector must stop collecting until it mails verification. You can dispute after that too, but it doesn’t have to pause.

[YOUR NAME]
[YOUR ADDRESS]
[DATE]

[COLLECTOR NAME AS SHOWN ON NOTICE]
[ADDRESS FROM YOUR VALIDATION NOTICE]

Re: Account [ACCOUNT NUMBER]

I dispute this debt and request verification under 15 U.S.C. §1692g(b). Please stop collection until you send it. Provide the name and address of the original creditor, the name of the current owner, the account number with the original creditor, and an itemized statement of the amount claimed. I do not recognize this account.

Sincerely,
[SIGNATURE]

Only write “I do not recognize this account” if that’s true. If you recognize the debt but question the amount, say that instead.

If the debt isn’t yours: identity theft steps

Many complaints in this group say the debt came from identity theft. If that’s your case:

1. File a report at IdentityTheft.gov. It creates an FTC Identity Theft Report and a recovery plan.
2. Send the collector a dispute saying the debt is from identity theft, with a copy of your report.
3. Ask each credit bureau to block the fraudulent account under FCRA §605B. With an identity theft report and proof of ID, the bureau must block it within 4 business days.
4. Consider a free credit freeze at Equifax, Experian and TransUnion, or a fraud alert.

Only use identity theft claims for debts that really came from fraud. A false identity theft report is illegal and can cause you serious problems. See our guide on removing fraudulent accounts.

If the debt is on your credit report

Check the account on all three reports. Look at the original creditor, balance and date of first delinquency. Collections can stay up to 7 years from 180 days after the original delinquency, not from when a new collector took over.

Dispute errors with each bureau (FCRA §611 requires a free reinvestigation, usually within 30 days) and directly with the collector as the furnisher (FCRA §623). If a bureau says the item was “verified,” you can ask how it was verified; the bureau must describe its procedure within 15 days of your request. See disputing a collection on all 3 bureaus.

If the debt is medical, special rules apply: paid medical collections and those under $500 aren’t reported, and new ones wait a year.

Your rights during collection

• No calls before 8 a.m. or after 9 p.m. your local time.
• More than 7 calls in 7 days about one debt is presumed harassment. See the 7-in-7 rule.
• No threats to damage your credit falsely, no threats of arrest, no pretending to be a lawyer or government.
• No reporting a debt to credit bureaus before first communicating with you.
• You can tell the collector in writing to stop contacting you. The debt still exists.

Keep a log of every call and letter. If the collector breaks the rules, file a complaint at consumerfinance.gov/complaint. You have 1 year from a violation to sue under the FDCPA, and you can recover actual damages, up to $1,000 statutory damages and attorney’s fees if you win. Talk to a consumer attorney or legal aid; our attorney finder can help.

FAQ

Is Kriya Capital a debt collector?

Kriya Capital describes itself as an investment firm. It owns companies that collect debts, such as Credence Resource Management, according to its own press releases. The collector named on your notice is the company you deal with.

Is Kriya Capital the same as Credence Resource Management?

They are related but separate companies. Kriya has described Credence as its flagship receivables company.

Should I pay a Kriya-related collection?

Not until you’ve received a validation notice and confirmed the debt is yours and the amount is right. If it is, get any settlement in writing first. Our settlement calculator can help.

What if they sue me?

Always answer the summons by the deadline. Most debt lawsuits end in default because people don’t respond. A consumer attorney can review your defenses.

Sources

• Kriya Capital – Company website
• Kriya Capital press release, January 2019 (Newswire)
• Kriya Capital press release, February 2020 (PR Newswire)
• Get Out of Debt Guy – CFPB complaint summary, March 3, 2026
• CFPB – Submit a complaint
• IdentityTheft.gov
• 15 U.S.C. §1692g – Validation of debts
• 15 U.S.C. §1681c-2 – Identity theft block
• eCFR – Regulation F, 12 CFR Part 1006
• AnnualCreditReport.com