Carter Business Service Debt Collection Harassment
Are you tired of Carter Business Service debt collectors calling you? You are not alone. If Carter Business Service debt collectors are harassing you with calls or threats, remember you’re not obligated to pay them immediately, they’re third-party collectors who profit from recovered debts. Federal laws like the FDCPA protect you from harassment, deceit, or threats, and illegal tactics such as excessive calls or false claims violate your rights, potentially allowing you to sue. Always verify the debt and know your rights before engaging with them.
Introduction to Debt Collection
Debt collection is the process by which a debt collector, also known as a collection agency, attempts to recover outstanding debts from individuals or businesses. Debt collectors, such as Carter Business Service, use various methods to contact debtors, including phone calls, letters, and emails. It’s essential for consumers to understand their rights and the fair debt collection practices that debt collectors must follow. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates debt collection practices and prohibits harassment, abuse, or false statements by debt collectors.
Getting A Debt Collector Off Your Credit Report
You can actually get a Carter Business Service debt collector off your credit report without paying them
When you don’t pay a debt collector, they will likely take you off their list, sell your debt to another collection agency, and report you to the credit bureaus. These debt collectors operate on behalf of creditors to recover outstanding debts, and understanding creditor communication can be crucial during debt settlement negotiations.
Then the next company that bought the debt will start another round of calls to you. And it’s just not going to end.
These collection agencies may then begin to show on your credit report but taking these 3 steps will help you get them off.
- Make a debt validation request by writing to the debt collector and asking them for bona fide proof that you owe them a debt (not that you may owe a debt to another company). You need them to provide evidence of a contract that you signed and or knowingly entered into by your own volition. They do not have that and can never produce it. Keep copies of whatever they respond to you with.
- Write to the original company that claims you owe them money. Ask them for proof that they didn’t sell your “debt” to the debt collector who contacted you and haven’t been paid the “debt” that they claim you owe them. You may additionally ask them to prove they haven’t been paid for your non-payment by an insurance policy.
- Write to whichever credit reporting agencies they filed a report with and tell them to remove that from your report because the company cannot prove you owe the debt. This may take a few tries, but it should work.
Is Carter Business Service a Scam?
According to the Better Business Bureau website, Carter Business Service has been in business since 1950. There have been 3 customer complaints filed. It is crucial to keep a detailed record of all interactions with Carter Business Service to protect your rights and track the debt collection process effectively.
Who is Carter Business Service?
Carter Business Service is a debt collection agency and third party debt collector located in Danvers, Massachusetts.
🏛️ Carter Business Service Address: Danvers, MA 01923-5305
📞 Phone: (781) 246-4300
📠 Fax: (781) 246-4398
Carter Business Service Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- 781-246-4300
- 781-246-4398
If so, you may be a victim of Carter Business Service debt collection harassment. The list above is not all the numbers that Carter Business uses. It is crucial to identify the numbers used by the debt collector to protect yourself. Also, calls can be from different numbers and it still be CBS calling you. Contact our office right away so we can start the process to stop Carter Business Service from calling you illegally. Above all, no one should live with harassment.
Fair Debt Collection Practices
The FDCPA is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. Debt collectors must follow specific guidelines when contacting consumers, including identifying themselves and stating the purpose of the call. They must also provide consumers with written notice of the debt, including the amount owed and the name of the original creditor. Consumers have the right to dispute the debt and request verification of the debt from the debt collector. Debt collectors are prohibited from using threatening or abusive language, making false statements, or engaging in harassment. The Better Business Bureau (BBB) and credit bureaus, such as Experian, Equifax, and TransUnion, can provide consumers with information about debt collectors and their practices.
First Steps When Contacted
When contacted by a debt collector, it’s essential to remain calm and take the first steps to address the situation. Consumers should gather all relevant information about the debt, including the amount owed, the name of the original creditor, and any correspondence from the debt collector. They should also review their credit report to ensure that the debt is accurately reported. If the debt is disputed, consumers should send a written dispute letter to the debt collector and request verification of the debt. It’s also recommended to seek the advice of a legal professional or credit counselor to understand consumer rights and options. The cost of hiring an attorney or credit counselor can be an expense, but it can also provide valuable guidance and protection.
Resolving Debt and Credit Report
Resolving debt and credit report issues can be a complex process, but it’s essential to take action to protect consumer rights. Consumers can start by contacting the debt collector and requesting a payment plan or settlement. They can also dispute errors on their credit report by sending a written dispute letter to the credit bureaus. It’s crucial to keep records of all correspondence with the debt collector and credit bureaus, including dates, times, and details of conversations. Consumers can also file a complaint with the Federal Trade Commission (FTC) or the Massachusetts Attorney General’s office if they believe a debt collector has violated their rights. Additionally, consumers can seek the advice of a legal professional to determine the best course of action and to protect their rights. By understanding the debt collection process and taking action, consumers can resolve debt and credit report issues and protect their financial well-being.
Carter Business Service Complaints
The following is a sample list of complaints filed against them and can be found on Pacer.gov.
- 📋 1:15-cv-00727-DNH-DJS Rawlins v.
- 📋 1:14-cv-12991-JGD Purslow v.
- 📋 1:13-cv-11703-DJC Doherty v.
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 Carter Business Service debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more Carter Business Service debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
🏆 “Carter Business Service kept reporting an old debt on my credit report, but they couldn’t prove it was mine. The team at Consumer Rights Law Firm helped me draft a debt validation letter and disputed the inaccurate reporting with the credit bureaus. Within weeks, the collection was removed from my credit file! They even negotiated a small compensation for the stress caused. Their knowledge of the FDCPA and credit laws is unmatched, I’m forever grateful.”
🏆 “The harassment from Carter Business Service crossed the line, they called me at work after I explicitly told them not to. Consumer Rights Law Firm didn’t just stop the calls; they filed a lawsuit for FDCPA violations. I didn’t pay a dime in legal fees, and the firm won a settlement that included monetary damages. Their professionalism and results speak for themselves. If you’re dealing with debt collector abuse, don’t hesitate to call them!”
🏆 “I was bombarded with daily calls from Carter Business Service, sometimes multiple times a day, demanding payment for a debt I didn’t recognize. The calls were aggressive, and I felt helpless. After reaching out to Consumer Rights Law Firm, they responded within minutes and took immediate action. They sent a cease-and-desist letter, and the calls stopped almost overnight. Not only did they protect me from further harassment, but they also discovered FDCPA violations and secured a settlement for me all at no cost. Highly recommend their expertise!”
FAQs
What is Carter Business Service and why are they contacting me?
Carter Business Service is a legitimate third‑party debt collection agency. They purchase delinquent accounts and contact consumers to recover outstanding balances.
Is Carter Business Service a scam or a legitimate collector?
They are a legitimate debt collector, but their aggressive tactics can sometimes feel harassing. Always request written debt validation to confirm the debt’s accuracy.
Can Carter Business Service legally harass me with repeated phone calls?
No. Under the Fair Debt Collection Practices Act (FDCPA), they cannot call you repeatedly with intent to annoy or harass. You can send a cease‑and‑desist letter to stop calls.
What should I do if Carter Business Service keeps calling me at work?
Tell them you don’t want to be contacted at work. If calls continue after that, it’s a violation of the FDCPA and you can file a complaint with the CFPB or FTC.
How do I dispute a debt from Carter Business Service?
Within 30 days of first contact, send a written dispute and debt validation letter by certified mail. They must verify the debt before resuming collection efforts.
Can Carter Business Service appear on my credit report and affect my score?
Yes. If reported, a collection account from Carter Business Service can significantly lower your credit score and stay on your report for up to 7 years.
Can I negotiate a settlement or payment plan with Carter Business Service?
Yes. You can negotiate a lump‑sum settlement or installment plan. However, paying doesn’t guarantee them removing the item from your credit report unless you get a ‘pay‑for‑delete’ agreement in writing.
Can I sue Carter Business Service for violating debt collection laws?
Yes. If they violate the FDCPA—through harassment, lies, or calling at forbidden times—you can sue them within one year and may recover damages.
How do I make Carter Business Service stop contacting me?
Send a written cease‑and‑desist letter via certified mail requesting they stop all phone contact. They can only call again to notify you of legal action. If unwanted contact continues, file a complaint with the CFPB, FTC, or your state AG.
What are my rights under the FDCPA when dealing with Carter Business Service?
You have rights including: not being called before 8 AM or after 9 PM, refusing calls at work, requiring validation of the debt, and protection against harassment or false statements. Violations can be reported or sued for.
