Carter Young Collections Phone Harassment and Financial Health❓
Is Carter Young Collections calling you? Stop Carter Young Collections 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.
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.
Is Carter Young Collections 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.
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 Collections ❓
Carter-Young is third party debt collector located in Conyers, Georgia.
🏛️ Carter-Young 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 Collections Debt Collection Agency Tactics
If Carter-Young engages in any of the following tactics, you may have a case:
- 🚫 Using profanity or abusive language
- ⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
- 📞 Calling you multiple times per week
- 🗣️ Talking to others about your debt
- 🏢 Calling your workplace
- ⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
- ❌ Telling you or anyone else that you’ve committed a crime
- 🔁 Calling repeatedly for the wrong person
- 📜 Failing to notify you of your right to dispute the debt
- 💰 Trying to collect more than legally allowed
Carter Young Collections 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 different numbers and it still be Carter-Young calling you.
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.
Common Questions
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.gov.
- 📋 5:15-cv-00474-F Gibson v.
- 📋 5:11-cv-05170-JLH Dunn et al v.
- 📋 0:18-cv-60670-XXXX Angelakopoulos v.
- 📋 1:11-cv-02640-AT Smith v.
- 📋 1:12-cv-03666-SCJ Cannone et al v.
About Us
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. 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.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Carter-Young, call us at 877-700-5790 for immediate assistance or visit our website. 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.
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.
