Who Called From 469-368-6400?
Short answer: 469-368-6400 is a number used by Cade, Ltd. (Burt & Associates), a third-party collection agency based in Plano, TX — telephone of record on florida consumer-collection-agency registration cca0901031, filed under the burt & associates trade name (plano, tx). They are almost certainly trying to collect a debt, most often bank card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 469-368-6400?
The number 469-368-6400 is used by Cade, Ltd. (telephone of record on florida consumer-collection-agency registration cca0901031, filed under the burt & associates trade name (plano, tx)), a third-party collection agency in Plano, TX. For the full company profile — ownership, history, and known aliases — see our complete Cade, Ltd. guide. This page focuses on the calls coming from 469-368-6400 specifically.
About this specific number
- 📞 Number: 469-368-6400 (area code 469, ending in 6400)
- 📍 Line type: Direct-dial — resolves to the 469 area code.
- 🏢 Operator: Cade, Ltd., a third-party collection agency in Plano, TX.
- 🔢 Related lines: Cade, Ltd. is documented using 1 number in our directory, so calls may also come from other digits.
469-368-6400 is a direct-dial number tied to the 469 area code, which is why the call may have appeared "local" on your caller ID even though Cade, Ltd. operates out of Plano, TX.
Some carriers display 469-368-6400 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Cade, Ltd..
On your caller ID, in voicemails, or in letters, this company can also appear as: Burt & Associates, Cade.
Why Is Burt & Associates Calling Me From 469-368-6400?
In our directory, 469-368-6400 is tracked as a telephone of record on florida consumer-collection-agency registration cca0901031, filed under the burt & associates trade name (plano, tx) for Cade, Ltd., which typically collects bank card debt, student-related balances, service and membership accounts. A call from 469-368-6400 usually happens because:
- ✅ An original account (a bank card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Cade, Ltd. to collect on behalf of the original creditor.
- ✅ Cade, Ltd. is now dialing you from 469-368-6400 and possibly other lines to reach a resolution.
Calls from 469-368-6400 often come right after a billing cycle closes. Some people report that 469-368-6400 calls once and hangs up, then tries again from a different Cade, Ltd. line hours later. A single missed call is not proof of a valid debt. When 469-368-6400 shows up on your caller ID, it is worth checking whether the Cade, Ltd. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Cade, Ltd. prove the bank card debt in writing first.
Important: a phone call — even from a real number like 469-368-6400 — does not prove you owe the debt, that the amount is correct, or that Cade, Ltd. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 469-368-6400
Anything you say to Burt & Associates can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 469-368-6400 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Cade, Ltd..
Don't agree to a payment on the spot
A single payment to Cade, Ltd. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 469-368-6400.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 469-368-6400. Any legitimate Cade, Ltd. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 469-368-6400 caller. If it truly is your Cade, Ltd. account, they should already have what they need and must prove it.
What To Do If 469-368-6400 Keeps Calling
Here are concrete next steps for this specific Cade, Ltd. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 469-368-6400 as a contact labeled "Cade, Ltd. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 469-368-6400 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Cade, Ltd. identify the original creditor behind the 469-368-6400 calls and the date the debt was opened.
Your Rights When Burt & Associates Calls From 469-368-6400
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Burt & Associates a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Cade, Ltd. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 469-368-6400: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Cade, Ltd. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Burt & Associates generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Burt & Associates from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 469-368-6400
We investigate the specific Cade, Ltd. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Burt & Associates account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Cade, Ltd.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
469-368-6400 — Frequently Asked Questions
Who is calling me from 469-368-6400?
469-368-6400 is a direct-dial line associated with Cade, Ltd. (also seen as Burt & Associates), a third-party collection agency headquartered in Plano, TX. The number resolves to the 469 area code. If you received a call from 469-368-6400 — often showing the last four digits 6400 on your screen — it is very likely Cade, Ltd. attempting to reach you about a debt they say you owe, most often bank card debt, student-related balances, service and membership accounts.
Is 469-368-6400 a scam number?
Cade, Ltd. is a real, registered company, and 469-368-6400 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Burt & Associates, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 469-368-6400?
You are not legally required to answer 469-368-6400 or call Cade, Ltd. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Cade, Ltd. must pause collection until it mails you proof of the debt.
Why is Cade, Ltd. calling me about bank card debt?
A call from 469-368-6400 usually means an original bank card debt went unpaid and was placed with Cade, Ltd., which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Cade, Ltd. from calling 469-368-6400?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Cade, Ltd. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 469-368-6400 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Cade, Ltd. is calling about?
Do not pay anything based on a call from 469-368-6400 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
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