Introduction to Debt Collection
Debt collection is a process where a debt collector, such as Carter Young Collections, attempts to recover unpaid debts from individuals or businesses. This can be a challenging and stressful experience, especially when dealing with a debt collection agency. It’s essential to understand your rights and the debt collection process to effectively navigate this situation. Carter Young Collections, with an office in Monroe, GA, is a debt collection agency that specializes in collecting debts for various industries, including student housing, multi-family housing, and medical services.
Understanding Carter Young Collections
Carter Young Collections is a debt collection agency based in Monroe, Georgia, that specializes in collecting debts for various industries, including student housing, multi-family housing, and medical services. Since its establishment in 2001, Carter Young has built a reputation as a reliable player in the debt collection industry. The agency’s focus on specific sectors allows it to tailor its approach to the unique needs of each industry, ensuring effective debt recovery. Whether you’re dealing with student housing debts or medical bills, understanding the role of Carter Young Collections can help you navigate the debt collection process more effectively.
Carter-Young Phone Harassment and Financial Health?
**Is Carter-Young (CY) calling you?**Stop Carter-Young phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop CY phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
If you are being harassed by Carter Young Collections, it is important to know how to respond to a debt collection lawsuit to protect your rights.
Carter Young Collections has received numerous reviews, with an average rating of 2.8 on Google Reviews, indicating customer dissatisfaction.
Is Carter-Young a Scam?
According to the Better Business Bureau website, Carter-Young has been in business for 18 years. There have been 66 complaints filed against CY with the BBB.
Carter-Young Better Business Bureau
Dealing with Debt Collector
Dealing with a debt collector like Carter Young Collections can be a challenging yet crucial task. It’s essential to understand your rights and the debt collection process to effectively navigate this situation. The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive, unfair, and deceptive practices by debt collectors. This law ensures that debt collectors, including Carter Young Collections, must adhere to specific guidelines when contacting you. By familiarizing yourself with these protections, you can better manage your interactions with debt collectors and safeguard your financial health.
Who is Carter-Young?
Carter-Young is third party debt collector located in Conyers, Georgia.
Address: 882 N Main St NW STE 120
Conyers, GA 30012-4442
Phone: (678) 995-4242
Carter-Young is a Georgia-based collection agency located in Monroe, Georgia, specializing in collecting debts for various industries, including student housing, multi-family sectors, and the family and medical industries.
If Young Collections has contacted you, it is crucial to validate the debt to ensure its legitimacy.
Carter-Young is often referred to or searched for by other names. These include:
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Carter-Young Debt Collection Agency Tactics
If Carter-Young engages in any of the following tactics, you may have a case:
Dealing with debt collections can be a challenging yet crucial task. Effectively managing and resolving debt issues is essential to maintain financial health and creditworthiness. Understanding these tactics can help you effectively navigate this process and protect your financial health. Additionally, Carter-Young offers specialized services for a challenged account portfolio, demonstrating their expertise in managing and recovering difficult accounts across various industries.
Carter-Young Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
678-995-4242, 866-937-0911, 678-937-0911, 678-937-0606, (678) 995-4242, (866) 937-0911, (678) 937-0911, (678) 937-0606, 6789954242, 8669370911, 6789370911, 6789370606
If the answer is yes, then you are receiving calls from a known CY number. You may be a victim of CY phone harassment. The list above is not all the numbers that CY uses. The calls can be from a different number and it still be Carter-Young calling you. If you receive an initial contact from Carter-Young, consider sending a debt validation letter to confirm the legitimacy of the debt. If the debt is determined to be longer valid, Carter Young is required to stop their efforts according to federal law. It is important to send a debt validation letter within 30 days to request proof of the debt and protect your rights. Contact our office right away so we can start the process to stop CY from calling you illegally. Above all, no one should live with harassment!
Debt Collection Laws and Regulations
Debt collection laws and regulations are in place to protect consumers from abusive and unfair practices by debt collectors. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the debt collection industry and provides guidelines for debt collectors to follow. The FDCPA prohibits debt collectors from using harassing or abusive language, making false or misleading statements, and engaging in unfair or deceptive practices. Additionally, the FDCPA requires debt collectors to provide consumers with certain information, such as the amount of the debt, the name of the creditor, and the consumer’s rights under the law. If a debt is deemed invalid, Young Collections must cease all collection efforts as required by law. It’s essential to understand these laws and regulations to effectively navigate the debt collection process with companies like Carter Young Collections and to validate a debt carter.
Consumer Protection and Rights
As a consumer, you have certain rights and protections when dealing with debt collectors like Carter Young Collections. The (CFPB) is a government agency that oversees the debt collection industry and enforces federal consumer financial laws. The CFPB provides consumers with resources and information to help them understand their rights and make informed decisions about their debt. Some of your rights as a consumer include the right to request debt validation, the right to dispute a debt, and the right to stop debt collection communications. It’s crucial to know and exercise these rights to protect your financial health and creditworthiness. You can also check the Better Business Bureau (BBB) ratings, such as the Carter Young Collections BBB rating, to get an idea of the company’s reputation.
Debt Validation
Debt validation is an essential step in the debt collection process. When a debt collector like Carter Young Collections contacts you, they must provide you with certain information to validate the debt. This information includes the amount of the debt, the name of the original creditor, and other relevant details. You have the right to request debt validation, and the debt collector must respond to your request within a certain timeframe. If the debt collector fails to provide validation, they must cease collections efforts. If the debt is valid, you can then explore options for repayment or settlement. It’s essential to understand the debt validation process and to request validation if you’re unsure about the debt. You can send a debt validation letter to Carter Young Collections to request this information, and they must respond accordingly. This process can help you verify the debt and ensure that you’re not being unfairly targeted by debt collectors. Ensuring you are dealing with valid Carter Young Collections can protect you from invalid claims and unnecessary stress.
Credit Report
A credit report is a detailed record of an individual’s credit history, including their payment history, credit accounts, and public records. It’s crucial to monitor your credit report regularly to ensure it’s accurate and up-to-date. You can request a free credit report from the three major credit bureaus (Experian, Equifax, and TransUnion) once a year. If you notice any errors or inaccuracies, you can dispute them with the credit bureau. Keeping an eye on your credit report helps you maintain financial health and creditworthiness, and can alert you to any potential issues early on. Addressing these issues promptly can be a stepping stone towards better financial health.
Debt Settlement
Debt settlement is a process where a debt collector agrees to accept a lump sum payment that is less than the total amount owed. This can be a viable option for individuals who are struggling to pay their debts. Using debt settlement to resolve debts that have been referred to collections can be effective, but it’s essential to validate the debt before pursuing a settlement to avoid legal repercussions. Additionally, you may choose to pay a lump sum as a potential solution for reducing the total owed amount. It’s important to communicate with creditors and have a written agreement detailing the terms of any lump sum or payment plan established. Carter Young Collections may offer debt settlement options to individuals who are unable to pay their debts in full. Settling your debt can provide relief and help you move towards better financial health, but it’s important to understand the implications and ensure it’s the right choice for your financial situation.
Ask Carter Young Collections
If you’re contacted by Carter Young Collections, it’s crucial to ask them to verify your debt. You can request a debt validation letter, which will provide you with essential information about the debt, including the amount, original creditor, and other relevant details. This letter will help you determine if the debt is valid and if you’re responsible for paying it.
To request debt validation, you can send a debt validation letter to Carter Young Collections within 30 days of their initial contact. This letter should include your name, address, and account number, and clearly state that you’re requesting verification of the debt. Once you receive the debt validation letter, review it carefully to ensure that the information is accurate and complete.
If the debt is valid, you can consider debt settlement options with Carter Young Collections. Debt settlement involves offering a lump-sum payment for less than the total debt. This strategy can be effective if you have the funds available and Carter Young Collections is willing to accept a reduced amount. However, it’s essential to carefully weigh the pros and cons before beginning the process.
Alternatively, you can create a repayment plan with Carter Young Collections. This involves agreeing to pay off the debt in installments over a set period. Ensure that the repayment plan aligns with your budget and that you can realistically make the payments. It’s also crucial to get any agreement in writing to avoid future disputes. By taking these steps, you can effectively manage your debt and work towards better financial health.
Is CY a scam? No, Carter-Young has been in business for 18 years.
Can Carter-Young garnish my wages? Yes, CY can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can CY sue me? Yes, CY can sue you so long as the debt is within the statute of limitations. Understanding the complexities surrounding a debt lawsuit is crucial, as it helps you comprehend the claims made against you and the possible legal responses available.
Can CY report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report.
Can CY arrest me? Addressing debt issues before legal action is taken is important. Proactive measures like requesting a Debt Validation Letter and considering debt settlement can help resolve it before legal proceedings become necessary.
The following is a sample list of complaints filed against Carter-Young in the past and can be found on Pacer.org.
5:15-cv-00474-F Gibson v. Carter-Young
5:11-cv-05170-JLH Dunn et al v. Carter-Young
0:18-cv-60670-XXXX Angelakopoulos v. Carter-Young
1:11-cv-02640-AT Smith v. Carter-Young
1:12-cv-03666-SCJ Cannone et al v. Carter-Young
About Us: Debt Validation Letter
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Carter-Young harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. The (CFPB) provides helpful resources and information on debt collection practices and consumers’ rights.
Having a written agreement can prevent future disputes and protect your rights.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Carter-Young, call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com. It is important to address debt issues sooner rather than later to minimize negative impacts on a person’s credit score and overall financial health. You may also want to consider debt settlement as a proactive measure to resolve valid debts before facing potential legal action.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Carter Young Collections Reviews
Real Carter Young Collections has a mixed reputation, with some individuals reporting positive experiences and others reporting negative ones. The company has an average rating of 2.8 out of 5 stars on Google reviews. It’s essential to do your research and read reviews from multiple sources before dealing with a debt collection agency like Carter Young Collections. Understanding the experiences of others can provide valuable insights and help you make informed decisions about how to handle your debt.
Conclusion
Dealing with a debt collection agency like Carter Young Collections can be a challenging and stressful experience. However, by understanding your rights and the debt collection process, you can effectively navigate this situation. It’s essential to monitor your credit report regularly, consider debt settlement options, and seek professional advice if needed. Remember to always prioritize your financial health and creditworthiness, and don’t hesitate to reach out to a debt collection agency like Carter Young Collections to settle your debt. By taking control of your debt and working with a reputable debt collection agency, you can take the first step towards better financial health.
