Credit World Services Phone Harassment❓
Does it seem like the phone wouldn’t stop ringing? Are you being constantly hounded with calls and messages from Credit World Services? This is probably because you owe a debt. Credit World Services and other debt collection agencies task themselves with collecting third-party debt and often go to extreme measures in order to do so, hence the unending and frustrating calls. Collection fees can also be a concern for consumers dealing with Credit World Services, as these fees may sometimes be deceptive or unlawful. Often times, being in debt can be vexing and might even be the source of many sleepless nights. However, remember to always maintain your cool when dealing with Credit World Services or other debt collectors and try not to engage them in a verbal battle.
You probably didn’t know that there are Federal laws that protect consumers like you from Credit World Services phone harassment. They protect you from unfair debt collection practices, they also ensure that your human rights are not violated during Credit World Services debt collection. These laws are called the Fair Debt Collection Practices Act (FDCPA), which restricts debt collectors from contacting you at inconvenient times. Calls outside of acceptable hours are considered harassment and can be reported as violations of your rights.
Are you wondering why you’re experiencing Credit World Services debt collection when you have no memory of ever acquiring debts from them, this is because Credit World Services has purchased your debt from the creditor who you initially owe and as a debt collection agency and they are trying to get you to pay up? It is important to note that not all types of debt are covered by the FDCPA. Businesses debt or individuals who take business loans are not covered, however personal, household, medical and student loans are.
Is Credit World Services a Scam❓
According to the Better Business Bureau website, Credit World Services has been in business for 41 years. There have been 5 complaints filed against CWS with the BBB.
What is Credit World Services❓
Credit World Services is third party debt collector located in Mission, Kansas. CWS has been a party to a Federal Court case over 15 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
🏛️ Credit World Services Address: 6000 Martway St Mission, KS 66202-3339
📞 Phone: (913) 362-3950
Introduction To Debt Collection
Debt collection is the process of recovering debts from individuals or businesses that have failed to pay their debts. Debt collectors, like Credit World Services, play a crucial role in this process. They work on behalf of creditors to collect debts and often use various tactics to persuade debtors to pay their debts. Understanding debt collection is essential for both creditors and debtors, as it can help them navigate the complex process and avoid potential pitfalls.
What Are Debt Collectors Prohibited From Engaging In❓
- Pester you with unending calls and messages during Credit World Services debt collection especially after you have written them a cease letter.
- Contact you before 8 am or after 9 pm. Credit World Services debt collection calls should never come at odd hours. If that happens, it is Credit World Services phone harassment.
- Try to get you to pay more than you owe, you are liable for what you owe, not a single cent more.
- Tell you that you have broken the law, treat you like a criminal, or say they would have you arrested.
- Publish false information on your credit record.
- Use abusive and nasty words while addressing you, yell at you, or be generally rude and condescending. This is Credit World Services phone harassment, and it is totally unacceptable.
- Continue contacting you after they’ve been informed of your legal representation.
- Contact you at your workplace after they have been expressly told not to.
- Threaten to harm you or your loved ones.
- Pose as attorneys or Government officials or serve you with untrue debt information.
- Publish your debt in newspapers, magazines, or on social media.
- Say that they would take away your pension, alimony, child support, or funds of that sort.
- Use threatening language that intimidates or harasses you. The Fair Debt Collection Practices Act (FDCPA) prohibits such behavior.
- Claim to be a government agency. Credit World Services is not a government agency, and consumers should be aware of this distinction.
Credit World Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 913-362-3950
- 📲 (913) 362-3950
- 📲 9133623950
If the answer is yes, then you are receiving calls from a known CWS number. You may be a victim of CWS phone harassment. The list above is not all the numbers that CWS uses. The calls can be from a different number and it still be Credit World Services calling you. Contact our office right away so we can start the process to stop CWS from calling you illegally. Above all, no one should live with harassment!
TIME BARRED DEBTS
Time-barred debts are simply debts that you cannot be sued for either by creditors or debt collectors because they are too old. They are debts that have reached their statute of limitation. Sending a debt validation letter is crucial to verify the legitimacy of a debt and protect your rights under the Fair Debt Collection Practices Act (FDCPA).
The Fair Debt Collection Practice (FDCPA) do not allow debt collectors bring a suit or threatening for a time-barred debt. However, if you happen to be served a lawsuit for a time-barred debt, endeavor to respond promptly. It’s costly to assume that your response is of no importance since the statute of limitations of the debt is reached. Anyways, filing a complaint against the debt collector that infringes on your rights with the Federal Trade Commission (FTC) and your State Attorney General is a good idea.
Another thing to note is that, that the debt is time-barred does not automatically cancel the debt. Within the bounds of the law, collectors can still collect time-barred debts using calls and letters. It is your duty to ask the collector if the debt has reached its statute of limitation or not. Knowing this can help you dispute the debt. Again, inquire of the date of the debt and date of last payment. Till he provides this information, the debt collector must stop contacting you.
To settle with a debt collector whose aim is to collect a time-barred debt from you, you first need to carry out a debt validation. Request a written verification of the debt from the debt collector. This should be done within 30 days from your initial contact with the debt collector. If you are aware that the statute of limitations is reached and you want the debt collector to stop contacting you, send a written letter telling him that your statute of limitations is reached. Hence, you do not want to be contacted anymore.
If you owe the money, ignoring it is not the best option as it will still remain in your credit history. What’s more? Collectors will continue to try to collect the money due. It’s advisable you make a complete payment because partial payment restarts the statute of limitations and leaves a chance for you to get sued. Again, the interest could be added to the original fees.
On a final note, your rights should not be violated. When necessary, file a complaint with the FTC and your State Attorney General. Even if a debt is time-barred, collectors may still pursue collection through other means.
Understanding Credit World Services
Credit World Services is a debt collection agency that specializes in collecting debts on behalf of government entities, including local government entities. The company operates as a third-party debt collector, which means it is hired by creditors to collect debts that are owed to them. Credit World Services has been in business for over 41 years and has a reputation for being a reputable debt collector. However, like any debt collector, it is not immune to complaints and criticism from consumers.
Debt Collection Process
The debt collection process typically begins when a creditor hires a debt collector to recover a debt that is owed to them. The debt collector will then contact the debtor and attempt to persuade them to pay the debt. This can involve sending letters, making phone calls, and even filing lawsuits. Debt collectors are required to follow the Fair Debt Collection Practices Act (FDCPA), which is a federal law that regulates debt collection practices. The FDCPA prohibits debt collectors from using abusive or deceptive tactics to collect debts, and it also requires them to provide debtors with certain information, such as the amount of the debt and the name of the creditor.
Credit Report and Debt Collection
Debt collection can have a significant impact on a person’s credit report. When a debt is sent to a debt collector, it can be reported to the credit bureaus, which can negatively affect the debtor’s credit score. However, debtors have the right to dispute errors on their credit report, and they can also work with debt collectors to resolve their debts and improve their credit history. It’s essential for debtors to understand their rights under the Fair Credit Reporting Act (FCRA), which is a federal law that regulates credit reporting.
Defaulted Student Loans
Defaulted student loans are a significant problem in the United States. When a borrower defaults on a student loan, the lender can send the debt to a debt collector, such as Credit World Services. Debt collectors can then attempt to collect the debt, which can involve garnishing the borrower’s wages or seizing their assets. However, borrowers have options for dealing with defaulted student loans, such as consolidating their loans or entering into a repayment plan. It’s crucial for borrowers to understand their options and to work with debt collectors to resolve their debts and avoid further financial problems. By doing so, they can protect their credit history and avoid the negative consequences of debt collection.
The following is a sample list of complaints filed against Credit World Services in the past and can be found on Pacer.gov.
- 🔗 1:11-cv-03386-RPM-KLM Brummond v.
- 🔗 2:15-cv-02610-KHV-KGS Best v.
- 🔗 2:94-cv-02333-KHV Stone v.
- 🔗 2:13-cv-02013-EFM-GLR Settle v.
- 🔗 2:13-cv-02452-DDC Hagler v.
About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Credit World Services. 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 harassment from Credit World Services. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “I had a medical collections company calling my number looking for someone I never heard of. They kept calling, even though I told them they had the wrong number. Consumer Rights Law Firm took my case & got them to stop calling, plus they got a monetary settlement for me. I am so appreciative of the help they gave me!”
- 🏆 “Found them on the internet while desperately looking for help with a collection agency that was harassing me. Called the law firm not expecting anything; what I got was helpful, reliable info on collection practices. They took my case, and after that, the phone calls stopped. My case was settled, and I even have some $$ coming back. Thank goodness there is someone willing & able to help the consumer. Thank you, guys!”
- 🏆 “This company immediately makes you feel welcome. That they are going to help you. The first day I spoke with a gentleman who was very efficient; he returned my calls, and when I called, it was a live person who picked up the phone every single time. He immediately got started on paperwork and researched the company because the company refused to give me their name. I have nothing but positive things to say about this company and will refer all my friends and colleagues to them if anyone comes across situations that I have encountered. It’s amazing how people are harassed and have no idea what their rights are. Thank you, CONSUMER RIGHTS LAW FIRM!”
Common Questions
Is CWS a scam❓
No, Credit World Services has been in business for 41 years.
Can Credit World Services garnish my wages❓
Yes, CWS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can CWS sue me❓
Yes, CWS can sue you so long as the debt is within the statute of limitations.
Can CWS report my debt to the collection bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report
Can CWS 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.