Carter Young Collections Phone Harassment?

Are debt collectors from Carter-Young calling you repeatedly? If you’re getting frequent calls from numbers like 678-995-4242, 678-937-0911, or 866-937-0911, you may be facing aggressive collection tactics, including threats, attempts to collect debts you don’t owe, or continued calls even after you asked them to stop.

If any of this matches your experience, you are not alone and your legal rights may already have been violated. Consumer Rights Law Firm PLLC is an A+ BBB-rated consumer protection firm that has been stopping illegal debt collection harassment for over a decade. If Carter-Young Collections is calling you, speak with an attorney at no cost by calling 877-700-5790.

Who Is Carter-Young Collections?

Carter-Young, Inc., also known as Carter-Young Collections and formerly Collectron of Atlanta, Inc., is a Georgia-based third-party debt collection agency founded in 2001 and headquartered in Conyers, Georgia. The company collects debts across multiple industries, including housing, healthcare, utilities, financial services, and telecommunications, which is why consumers may receive calls about various types of accounts. It previously operated under the name Collectron of Atlanta, and older lawsuits may still reference that name.

Is Carter-Young Collections Legit or a Scam?

Carter-Young, Inc. is a legitimate, licensed debt collection agency and not a scam, with BBB accreditation since 2015. However, legitimacy does not guarantee lawful conduct. The company has received around 150 BBB complaints in recent years, largely involving disputed debts, failure to provide verification, inaccurate reporting, and attempts to collect debts consumers say they do not owe. Complaints also indicate issues with collecting apartment and utility debts without proper validation and failing to adequately investigate disputes, showing that BBB accreditation does not mean a clean record or consumer satisfaction.

Why Is Carter-Young Calling Me?

Carter-Young serves as a third-party debt collector for a specific set of industries. If they are calling you, one of the following scenarios is almost certainly the reason.

• Apartment or rental housing debt. The single largest category of debt Carter-Young pursues is residential lease balances. This includes unpaid rent, early termination fees, move-out damage charges, and utility balance pass-throughs from apartment complexes including student housing, military housing, and conventional multi-family properties. Many consumers dispute these balances as fabricated, retaliatory, or already settled with the property management company directly.
• Medical or healthcare debt. Carter-Young collects for medical providers including physicians’ offices and healthcare networks. Consumers frequently report that the balance Carter-Young is collecting was paid directly to the original provider or covered by insurance, with no notification ever sent to Carter-Young that the account was resolved.
• Utility or telecom debt. Carter-Young collects for utility companies and telecommunications providers including cable and broadband services. Consumers in several complaint records reported being collected on for services they were told were cancelled or never installed at their address.
• A debt that is not yours. In our practice, multiple consumers who contact us after receiving Carter-Young calls have no connection to the debt being sought. Carter-Young, like all third-party agencies, receives account data from its client companies. If that data contains an error, a wrong address, a recycled phone number, or a case of identity theft, Carter-Young may pursue the wrong person while insisting the debt is valid.

A time-barred debt. Consumer forum records include at least one documented case of Carter-Young attempting to collect a debt from 2013 that the consumer stated had surpassed Georgia’s statute of limitations on collections.

Carter-Young Collections Reviews and Consumer Complaints

Carter-Young has one of the highest BBB complaint volumes among mid-size regional collection agencies in the Southeast. The patterns are consistent across the BBB, RevDex, and consumer forums.

Better Business Bureau (BBB)

The Better Business Bureau (BBB) has recorded 150 consumer complaints against Carter-Young, Inc. in the most recent 36-month reporting period, with 5 closed in the past 12 months. The dominant complaint type is Order Issues (89 complaints), followed by Billing/Credit Issues (33 complaints) and Customer Service Issues (17 complaints).

• One BBB complaint filed November 2025 stated: “Carter-Young, Inc. continues to report and collect on an alleged debt that has not been properly validated in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Despite multiple certified dispute and validation letters, the company failed to provide documentation proving ownership or verification of the account yet continues furnishing inaccurate information to the credit bureaus.”
• Another BBB complaint filed October 2025 read: “I am not liable for this debt with Carter Young. I do not have a contract with Carter Young. They did not provide me with the original contract as I requested.”
• A third complaint, filed October 2025, involved a consumer who believed they were a victim of identity theft: “I obtained a copy of my credit report and was surprised to find several inaccuracies. These included addresses where I have never lived, accounts I have no knowledge of, unauthorized inquiries… I am not liable for this debt and have no contract or agreement with the following company.” The consumer attached a police report and FTC Identity Theft Affidavit.

Carter-Young’s standard response to BBB complaints is a brief template acknowledging receipt, promising a “reasonable investigation,” and directing consumers to contact the office directly. In a notable November 2025 response, Carter-Young told a consumer who had sent a cease-and-desist letter to “remove the cease-and-desist notification to have an open and workable exchange” which directly contradicts the FDCPA’s requirement to honor stop-contact requests.

RevDex

RevDex hosts multiple documented consumer experiences with Carter-Young. Several stand out for the specificity and verified exchanges they contain:

• One consumer reported: “Carter Young is attempting to collect a balance they say I owe to Hargray in the amount of $224.24. When I told the person on the phone that I do not owe this bill I was told it is MY responsibility to prove them wrong and they have zero requirements to prove the debt they are to collect is valid… I have called Hargray customer service multiple times… each time I spend a minimum of 2 hours on the phone to have them tell me I owe $0 and they have no idea why this collection agency is involved.” The consumer explicitly rejected Carter-Young’s response as another “brush off.”
• A second consumer reported receiving a call at work for the first time from a company they had never dealt with: “Never did business with this company or heard of them before today when a rude rep called me at work… the rep wouldn’t tell me [who they were collecting on behalf of] because I wouldn’t tell her my personal information on the phone.” The consumer stated they had no contractual agreement with Carter-Young.
• A third consumer reported: “This company tried to collect on a debt from 2013 that far exceeds the statutes of limitations on debt in the state of Georgia. Any more communications regarding this debt will find them in [a] lawsuit for harassment and trying to collect a debt outside the law.”
• A fourth consumer wrote: “I received a collections letter for an amount that I don’t owe. Today I called my Doctor’s office because a collections company (Carter-Young) said I owed money, the doctor’s office verified that I don’t owe any money and have never been sent to collections… Carter-Young has my email and phone number and this is the first I’ve heard of this matter.”

In our practice, clients who reach out after contact from Carter-Young frequently describe the same experience: receiving calls or collection letters for apartment lease balances they believe are inflated, fabricated, or belong to a former roommate, and being told by Carter-Young that the debt is valid despite the consumer’s repeated disputes. This type of verification failure is precisely what the FDCPA’s Section 1692g dispute and validation process was designed to prevent.

Carter-Young Phone Numbers and Call Patterns

Carter-Young uses multiple outbound phone lines. Consumers report receiving calls from varying numbers within the same collection effort, which can make blocking individual numbers ineffective and may itself constitute a harassing calling pattern under the FDCPA.

Documented Carter-Young Collections phone numbers include:

Consumers report calls during work hours without any prior relationship with Carter-Young. In some cases, the first contact comes without any prior written notice, which may itself violate the FDCPA’s requirement under 15 U.S.C. § 1692g that an initial written communication be provided within five days of first contact so the consumer can invoke their right to dispute the debt.

Federal Court Cases Involving Carter-Young, Inc.

Carter-Young and its predecessor Collectron of Atlanta have faced multiple federal actions across jurisdictions. The following are verified public record cases.

Case 1: Angelakopoulos v. Carter-Young, Inc.

Court: U.S. District Court for the Southern District of Florida Case Number: 9:18-cv-80403 Filed: March 29, 2018 Law(s) at Issue: Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 Source: ClassAction.org; complaint document verified ClassAction.org Link: Angelakopoulos v. Carter-Young, Inc

This proposed class action, filed in March 2018, alleged that Carter-Young’s collection letter violated the FDCPA by failing to inform consumers that debt verification would be mailed to them after a request, as required under 15 U.S.C. § 1692g(b). The omission was argued to be a deceptive and unfair collection practice, potentially affecting thousands of consumers who received the same standardized letter.

Our firm’s observation: This case highlights how even a single omission in a form letter can create widespread FDCPA liability when it misleads consumers about their verification rights.

Case 2: Roberts v. Carter-Young, Inc.

Court: U.S. District Court for the Middle District of North Carolina; appealed to U.S. Court of Appeals for the Fourth Circuit District Court Case Number: 1:22-cv-01114 (M.D.N.C.) Appeal Docket Number: 23-1911 (4th Circuit) Filed: December 2022 (district court); decided March 14, 2025 (Fourth Circuit) Law(s) at Issue: Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681s-2(b) Outcome: Fourth Circuit vacated district court dismissal; case remanded for further proceedings. FTC and CFPB filed amicus briefs supporting the consumer. Justia Link: Roberts v. Carter-Young FTC Amicus: Amicus Briefs Roberts V Carter Young INC

Shelby Roberts disputed a $791.14 apartment damage charge she believed was false, but Carter-Young reported the debt to credit bureaus and, when she filed disputes, simply confirmed the balance with the apartment complex without conducting any independent investigation. The Fourth Circuit rejected this approach, holding that both legal and factual disputes require a reasonable investigation under the FCRA, especially when inaccuracies are objectively verifiable, and sent the case back for further proceedings.

Our firm’s observation: This ruling makes clear that Carter-Young cannot rely solely on a landlord’s word and must conduct a genuine, independent investigation when consumers dispute a debt.

Case 3: Simaga v. Carter-Young, Inc.

Court: U.S. District Court for the Middle District of Georgia Case Number: 3:24-cv-00042 Filed: May 24, 2024 Source: PacerMonitor federal dockets PacerMonitor Link: SIMAGA_v_CARTERYOUNG_INC

This 2024 federal filing was brought against Carter-Young in the Middle District of Georgia, the same judicial district as the company’s home base in Conyers. The case is a matter of public record filed in 2024, demonstrating that federal consumer protection litigation against Carter-Young is ongoing and not limited to historical cases. Georgia consumers facing Carter-Young harassment are filing in their own home courts.

Attorney Commentary: When a collection agency gets sued in its own backyard, it signals that consumers in the immediate area are experiencing conduct serious enough to pursue in federal court. Carter-Young is headquartered in Conyers — in the Middle District of Georgia — and is still generating federal litigation there as recently as 2024. That is a meaningful data point for any Georgia resident currently receiving calls from this company.

What Are Your Legal Rights?

• Fair Debt Collection Practices Act
  Carter-Young may violate the FDCPA by calling outside permitted hours, contacting you at work after being told not to, failing to disclose they are a debt collector, using harassment or threats, misrepresenting the debt, continuing collection without validation, or contacting you after a cease-and-desist request.
• Fair Credit Reporting Act
  Carter-Young may violate the FCRA by reporting inaccurate or disputed debt information to credit bureaus and failing to conduct a proper, independent investigation after you file a dispute.
• Telephone Consumer Protection Act
  Carter-Young may violate the TCPA by making autodialed or robocalls to your cell phone without consent or continuing to call after you revoke consent, with each call counting as a separate violation.
• Georgia Statute of Limitations (O.C.G.A. § 9-3-24)
  Carter-Young may violate the law by attempting to collect or threatening legal action on time-barred debts, which can be considered deceptive and unlawful under federal debt collection rules.

FDCPA, FCRA, and TCPA Violations

How to Stop Carter-Young Collections Calls?

Step 1: Begin a call log today. Write down the date, time, phone number, and what was said on every call you receive from Carter-Young. If you receive a voicemail, save it. If you receive a collection letter, keep the envelope and the letter both — the postmark matters.

Step 2: Do not verify, admit, or pay anything yet. You have the right to request verification of the debt before paying anything. Making a payment or verbally acknowledging the debt can restart the statute of limitations in some states and may complicate your legal position. Do not provide payment card information over the phone.

Step 3: Send a debt validation letter by certified mail. Write to Carter-Young at 882 North Main Street NW, Suite 120, Conyers, GA 30012 and request a written response providing: the name of the original creditor, the amount claimed and a full itemized breakdown of how that amount was calculated, documentation establishing Carter-Young’s legal authority to collect the debt, and a copy of the original signed agreement between you and the original creditor. Use certified mail with return receipt. Keep your proof of mailing.

Step 4: Send a written cease-and-desist if calls continue. Send a second certified letter to the same address stating that you are invoking your right under 15 U.S.C. § 1692c(c) and directing Carter-Young to cease all further contact. Once received, they are legally prohibited from calling you except to confirm no further contact will occur or to notify you of a specific legal action.

Step 5: Dispute any inaccurate credit reporting. If Carter-Young has placed a collection account on your Equifax, Experian, or TransUnion report, file a written dispute directly with each credit bureau. The bureau must forward your dispute to Carter-Young, which then triggers Carter-Young’s FCRA duty to conduct a genuine investigation under § 1681s-2(b).

Step 6: File regulatory complaints. Report Carter-Young’s conduct to the Federal Trade Commission at reportfraud.ftc.gov. If robocalls or TCPA violations occurred, file with the FCC at consumercomplaints.fcc.gov. File with the Georgia Attorney General’s Consumer Protection Division at consumer.georgia.gov. You may also file with the BBB at bbb.org.

Step 7: Speak with a consumer protection attorney. Consumer Rights Law Firm PLLC handles FDCPA, FCRA, and TCPA cases nationwide at zero cost to you. If Carter-Young violated your rights, the law requires them to pay your attorney fees and provides you with up to $1,000 in statutory damages per FDCPA violation and up to $1,500 per TCPA call. Call us at 877-700-5790 or visit Consumer Rights Law Firm PLLC.

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.

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FAQs

Who is Carter Young Collections and why are they calling me?

Carter Young Collections is a debt-collection agency based in Georgia that contacts consumers about past-due accounts, often related to housing or utility debts. They call because they believe you owe a debt they are trying to collect.

Is Carter Young Collections legitimate or a scam?

They are a legitimate debt collector, accredited with the BBB, but have numerous consumer complaints about aggressive or misleading practices. Always request written validation of any debt to protect yourself.

Can Carter Young legally harass me with phone calls?

No. Under the FDCPA, collectors cannot harass you with repeated calls, threats, or obscene language. You have the right to fair treatment and can take action if those rights are violated.

How do I make Carter Young Collections stop calling me?

Document each call and send a written cease-and-desist or debt validation letter via certified mail. If calls continue, file complaints with the CFPB or FTC and consider legal help.

Can I sue Carter Young for phone harassment or violations?

Yes. If they violate the FDCPA, TCPA, or other federal laws, you may be entitled to statutory damages and attorney’s fees.

Do they use robocalls or spoofed phone numbers?

Many consumers report robocalls and calls from varying or local-area spoofed numbers. Calling without consent or proper disclosure can violate federal law.

Can Carter Young affect my credit score?

Yes. They can report debts to credit bureaus, which may hurt your credit score. If the debt is inaccurate, you can dispute it to have it corrected or removed.

What should I do if I don’t recognize the debt they’re calling about?

Send a debt validation letter within 30 days of the first contact. They must pause collection until they verify the debt.

How can I dispute or remove Carter Young Collections from my credit report?

Get your credit report from all three bureaus. Dispute inaccurate entries. If Carter Young cannot validate the debt, the listing must be removed under FCRA.

Is it a good idea to negotiate a settlement or “pay for delete”?

You may negotiate a settlement or a “pay for delete,” but ensure the agreement is in writing. Even after payment, the collection may stay on your report for up to seven years.

Phone Numbers Carter Young Collections May Use