🚨Capital Accounts Debt Collection Harassment
Sometimes, people get into bad situations in their finances and are not able to get out on time. It’s nobody’s wish to be in debt but sometimes, love has different plans. When you fall behind on your bills, it’s only a matter of time till your account gets sent to a debt collector like Capital accounts. You do not directly owe Capital accounts but if your creditor sends your account to them, they have the legal right to contact you and ask you to pay. Ignoring their calls will not resolve the debt and can add to the overall emotional burden experienced during these stressful financial times.
It is necessary to answer capital accounts llc or any other debt collector’s call and listen to what they have to say first before making any decision.
Capital accounts collections may be calling about an old debt, an already settled debt, or a debt that isn’t even yours. But you have to pick the call first to hear what they have to say before responding appropriately.
If capital accounts llc collection agency calls you about a debt you do not recognize, you should immediately ask them to send proof that you owe the debt. This is called a debt validation request. You have the right under the FDCPA to make a debt validation request during Capital accounts debt collection.
If the debt they’re calling about turns out to be your debt, there’s still no cause for panic. There are different options available for you to pay back. Capital accounts llc does not have to harass you just because you owe. They shouldn’t call you multiple times or threaten you over the phone. That is Capital accounts phone harassment and it is unacceptable and unlawful.
Capital accounts phone harassment includes anything Capital accounts does to annoy you. Be it calling you multiply times intentionally to annoy you, using curse and profane words on you, or threatening you.
Thankfully, you do not have to keep suffering Capital accounts phone harassment. You can put an end it to it.
If Capital accounts debt collection is beginning to make you feel stressed and threatened, your rights are being violated and you can put an end to it. Call us today.
🔎Should You Believe Everything A Debt Collector Says❓
A debt collector’s primary aim is to get money from you and they will employ any tactic possible to achieve that. Even if it means lying to you.
It is a complete risk to believe everything a debt collector says to you.
Some debt collectors lie about the debt amount, while others lie about the date. In whatever form it comes, misrepresentation of a debt by a debt collector is a violation of the FDCPA.
If a debt collector calls and tells you about a debt, you have the legal right to ask as many questions as possible relating to the debt. You can even make a debt validation request.
Another common lie debt collectors tell people is that they will send them to jail or arrest them if they fail to pay up. This is a lie. Owing a debt is not a criminal offence and no one can send you to jail over it.
You must be careful to double check every information given to you during Capital accounts debt collection to avoid falling for deceit. Verify the details of the debt to ensure accuracy and protect yourself from potential fraud.
If a debt collector lies to you, they have violated the FDCPA and there are penalties for that.
⚠️Is Capital Accounts a scam❓
According to the Better Business Bureau website, Capital Accounts has been in business since 2003. There have been 140 complaints closed in the last 3 years and 51 complaints closed out in the last 12 months.
Failure to respond to lawsuits can result in severe consequences, such as default judgments, emphasizing the importance of timely responses and compliance in legal matters.
🏦Debt Collection and Bank Account Issues
Debt collection can have a significant impact on your bank account, especially if you are being sued by a debt collection agency like Capital Accounts. If you fail to respond to a lawsuit, the court may issue a default judgment, allowing the debt collector to garnish your wages, freeze your bank account, or even put liens on your property.
📉How Debt Collection Affects Your Bank Account
When a debt collector obtains a judgment against you, they can use various methods to collect the debt, including:
- Bank account levies: The debt collector can freeze your bank account, preventing you from accessing your funds. This can be a sudden and stressful experience, leaving you without access to your money when you need it most.
- Wage garnishment: The debt collector can deduct a portion of your wages to pay off the debt. This means that a part of your paycheck will be taken directly by the debt collector, reducing your take-home pay and potentially causing financial strain.
- Property liens: The debt collector can place a lien on your property, which can affect your credit score and make it difficult to sell your property. A lien is a legal claim against your property, and it must be satisfied before you can sell or refinance the property.
It is essential to respond to a lawsuit and negotiate a debt settlement to avoid these consequences. Ignoring the situation can lead to severe financial repercussions, so taking proactive steps is crucial.
📋Responding to a Lawsuit
If you are being sued by Capital Accounts, it is crucial to respond to the lawsuit to avoid a default judgment. Here are the legal steps to take:
🎯Legal Steps to Take if Sued by Capital Accounts
- Answer the complaint: Respond to the lawsuit by filing an answer with the court. You can use a debt validation letter to respond to the complaint. This letter requests the debt collector to provide proof that you owe the debt, ensuring that the claim is legitimate.
- Assert affirmative defenses: Provide reasons why you are not responsible for the debt, such as lack of jurisdiction, lack of personal jurisdiction, statute of limitations, payment, release, or discharge. These defenses can help you contest the lawsuit and potentially have it dismissed.
- Negotiate a debt settlement: Try to reach a debt settlement with Capital Accounts to avoid further legal action. Settling the debt can prevent additional legal fees and court costs, and it may result in a more manageable payment plan.
- File the answer in court: File the answer with the court and send a copy to Capital Accounts’ lawyers. This step ensures that your response is officially recorded and that the debt collector is aware of your defenses.
- Keep records: Keep a copy of the answer and all correspondence with Capital Accounts and the court. Maintaining thorough records is essential for tracking the progress of your case and protecting your rights.
By following these steps, you can protect your interests and avoid further legal action. Taking prompt and informed action can help you navigate the legal process and work towards a resolution.
🔍Who is Capital Accounts❓
Capital Accounts is third party debt collector located in Nashville, Tennessee. They have been sued in federal court several times for violating consumer’s rights while collecting on alleged debts. A recent Federal Court cases alleges that Capital Accounts used illegal and unfair practices to attempt to coerce a payment from the harassed consumer. It is crucial to document the agreed settlement amount and ensure both parties sign this agreement for proof.
Address: PO Box 140065 Nashville, TN 37214 Phone: (800) 282-3214 Fax: (800) 296-3317
📲Capital Accounts Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
800-282-3214, 800-973-5402, 800-974-5409, 614-295-5890, 714-551-9375, 714-551-9377, 573-767-0233, 800-983-4730.
If so, you may be a victim of Capital Accounts debt collection harassment. The list above is not all the numbers that Capital Accounts uses. Also, calls can be from different numbers and it still be Capital Accounts calling you. Contact our office right away so we can start the process to stop Capital Accounts from calling you illegally. Above all, no one should live with harassment. It is crucial to track all calls from Capital Accounts to ensure you meet your responsibilities and avoid any potential issues.
🏷️Common Questions:
Is Capital Accounts a scam❓
No, Capital Accounts has been in business since 2003.
Can Capital Accounts seize my property❓
Capital Accounts can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can Capital Accounts sue me❓
Yes, Capital Accounts can sue you so long as the debt is within the statute of limitations.
Can Capital Accounts report my debt to the collections bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report
Can Capital Accounts arrest me❓
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
It is important to carefully review capital accounts to ensure compliance and proper valuation during transactions such as selling or transitioning ownership.
The following is a sample list of complaints filed against Capital Accounts and can be found on Pacer.gov.
1:19-cv-01663-RJD-RML Raymond v. Capital Accounts, LLC
2:19-cv-00122 Waddell v. Capital Accounts, LLC
3:19-cv-00025 Owen et al v. Capital Accounts, LLC
1:18-cv-08303 Wood v. Capital Accounts, LLC
3:18-cv-00782-DJH-RSE Ratliff v. Capital Accounts, LLC et al
🏛️Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Capital Accounts debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. Our dedicated team of professionals works collaboratively to meet your needs and provide effective results.
If you are interested in learning more about how to safeguard yourself and prevent Capital Accounts debt collection harassment, call us at for immediate assistance or visit our website.
🏆Success Stories
“Capital Accounts bombarded me with 10+ robocalls daily after I told them to stop. Consumer Rights Law Firm PLLC sued them for violating the Telephone Consumer Protection Act (TCPA) and got me a $3,500 settlement! The calls stopped immediately, and I didn’t pay a dime – they paid me.”
“Capital Accounts reported a $2,000 ‘debt’ I never owed, tanking my credit score. The firm proved they couldn’t validate the debt and forced them to delete it from all 3 bureaus. My score jumped 148 points in 3 weeks!”
“Capital Accounts reported a $2,000 ‘debt’ I never owed, tanking my credit score. The firm proved they couldn’t validate the debt and forced them to delete it from all 3 bureaus. My score jumped 148 points in 3 weeks!”
