Hillcrest Credit Agency Debt Collection Harassment?
Hillcrest Credit Agency Debt Collection Harassment does not have to stress you out. Does your phone ring every day, several times per day? Has Hillcrest Credit Agency threatened you with legal action? You may have been contacted by Hillcrest Credit Agency regarding debts allegedly owed, but remember, you have the right to dispute any debts you do not believe are owed. Hillcrest Credit Agency often acts as an associate of original creditors, collecting debts on their behalf.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Hillcrest Credit Agency a scam?
According to the Better Business Bureau website, Hillcrest Credit Agency, also known as Hillcrest Davidson & Associates, is a legitimate company that has been in business since 1976 and operates within industry regulations. There have been 3 customer complaints filed on the BBB.
Consumer reviews and feedback highlight the company’s practices and reputation, providing insight into how Hillcrest Davidson handles debt collection and interacts with consumers.
Hillcrest Credit Agency Better Business Bureau
What is Hillcrest Credit Agency?
Hillcrest Credit Agency is one of the largest collection agencies in Kentucky and licensed in Kentucky and Tennessee. The agency works with various businesses and creditors to collect outstanding bills, including medical bills and utility bills. Hillcrest Credit Agency often acts as an associate of the original creditor, collecting debts that have been transferred or sold by the original creditor. Serving hospitals, physicians, dentists, chiropractors, veterinarians, utility companies, waste disposal companies and financial institutions.
Address: 1953 Scottsville Road, Suite 100 Bowling Green, KY 42104-2220
Phone: (270) 745-1470 (This is a known Hillcrest Credit Agency phone number; the agency may use multiple phone numbers to contact consumers.)
Fax: (270) 796-5143
Hillcrest Credit Agency Phone Harassment Examples
If Hillcrest Credit Agency engages in any of the following tactics, you may have a case. Be aware that they may be contacting you through various phone numbers:
- 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, or destroy your credit
- 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
Many complaints focus on repeated and aggressive contacting by the agency, often involving multiple phone numbers and persistent attempts to reach consumers.
Known Hillcrest Credit Agency Collection Call Numbers
Are you receiving any harassing phone calls from any of the following numbers?
270-745-1470, 800-240-3181, 667-677-5403
If the answer is yes, then you are receiving calls from a known Hillcrest Credit Agency number. You may be a victim of Hillcrest Credit Agency phone harassment. The list above is not all the numbers that Hillcrest Credit Agency uses. The calls can be from a different number and it still be Hillcrest Credit Agency calling you. Contact our office right away so we can start the process to stop Hillcrest Credit Agency from calling you illegally. Above all, no one should live with harassment!
Understanding Credit Reports: How Debt Collection Affects Your Credit
When a debt is sent to a collection agency like Hillcrest Credit Agency, it can have a significant impact on your credit report and overall financial health. Collection agencies report unpaid debts to the three major credit bureaus—Equifax, Experian, and TransUnion—which can result in a lower credit score and a negative mark that may remain on your credit reports for up to seven years. This negative reporting can make it more difficult to secure loans, rent an apartment, or even get a job with certain employers.
Fair debt collection practices, as outlined in the Fair Debt Collection Practices Act (FDCPA), are designed to protect consumers from abusive or deceptive tactics by debt collectors. However, even with these protections, many consumers find that collection efforts can lead to inaccurate information being reported to consumer reporting agencies. Common consumer complaints include accounts being reported incorrectly, debts that have already been paid, or even debts that do not belong to the consumer at all.
To safeguard your credit, it’s essential to regularly review your credit reports from all three credit bureaus. You are entitled to a free credit report from each bureau every year, which allows you to check for errors or signs of identity theft. If you discover inaccurate information—such as an account you don’t recognize or a debt that’s been paid but still reported as outstanding—you have the right to dispute it. Begin by sending a written notice to both the credit bureau and the collection agency, such as Hillcrest Credit Agency, via certified mail. This initial contact should clearly state your dispute and request verification of the debt. Under federal laws like the Fair Credit Reporting Act (FCRA), both the credit bureau and the collection agency are required to investigate and respond to your dispute in a timely manner.
If the collection agency cannot provide proof of the debt, they must stop collection efforts and the account should be removed or corrected on your credit report. Keeping records of all correspondence, including copies of letters and proof of certified mail, is crucial in case you need to escalate your complaint or seek legal action.
Should you experience ongoing harassment, receive no response to your dispute, or encounter deceptive tactics, consider consulting a consumer protection attorney. An attorney can help you determine if your rights under the FDCPA or FCRA have been violated and guide you through the process of filing a complaint or taking legal action.
Maintaining a healthy credit profile also means making timely payments and communicating proactively with your original creditors before accounts are sent to collections. If you’re struggling with non payment or managing multiple debts, reaching out to a reputable credit counseling service can help you develop a plan to regain control of your finances.
In summary, understanding how debt collection and credit reporting work empowers you to protect your financial future. By monitoring your credit reports, disputing inaccurate information, and knowing your rights under federal laws, you can minimize the impact of collection accounts and ensure fair treatment from collection agencies like Hillcrest Credit Agency.
Common Questions:
Is Hillcrest Credit Agency a scam? No, Hillcrest Credit Agency has been in business since 1976. However, consumers should be cautious of fraudulent claims and always verify the details of any debt claim. If you believe a debt is not legitimate, requesting debt validation in writing is an important step.
Can Hillcrest Credit Agency seize my property? Hillcrest Credit Agency can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court. The agency must prove the debt is owed before taking legal action.
Can Hillcrest Credit Agency sue me? Yes, Hillcrest Credit Agency can sue you so long as the debt is within the statute of limitations. Consumers have the right to request proof of the debt and can dispute claims that are not valid.
Can Hillcrest Credit Agency report my debt to the collections bureaus? Yes, debt collectors are allowed to place the collection account on your credit report file. If you are paying or have paid a debt, you should ensure the payment is reflected in your credit file. You have the right to dispute any claim you believe is inaccurate, disputed, or not owed. Disputed claims or fraudulent debts should be addressed with the credit bureaus and the agency.
Can Hillcrest Credit Agency 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. Circumstances such as non-payment of certain debts may have legal consequences, but fraudulent threats of arrest are violations.
The following is a sample list of complaints filed against Hillcrest Credit Agency and can be found on Pacer.org.
1:20-cv-00024-JRH-BKE Sinkfield v. Commonwealth Health Corporation, Inc.
7:17-cv-00108-KKC Priddy v. Common Health Corporation, Inc.
6:18-cv-00290-KKC-HAI Askins v. Hillcrest Credit Agency
5:19-cv-00297-GFVT-MAS Marr v. Hillcrest Credit Agency et al
1:17-cv-00116-GNS-HBB Priddy v. Common Health Corporation, Inc.
Understanding Your Rights
It’s crucial for consumers to be aware of their rights under the FDCPA and to document any instances of harassment by debt collectors, keeping detailed records of all claims and correspondence. When disputing a debt, consumers should consider requesting debt validation in writing by sending a letter to the collection agency. Debt collectors are required to prove the validity of any claims they make regarding debts, and reviewing all details related to the debt can help identify inaccuracies. Seeking legal advice when facing such situations is advisable, as an attorney experienced in consumer protection can guide individuals on the best course of action to address and remedy FDCPA violations. The ultimate goal of the FDCPA is to ensure fair and respectful treatment of consumers during the debt collection process.
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 Hillcrest Credit Agency harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from Hillcrest Credit Agency, call us at
Success Stories
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agencies in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer.”
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”
Check out a links below for more information:
https://consumerlawfirmcenter.com/medconn-collection-agency-llc-phone-harassment/
https://consumerlawfirmcenter.com/the-stark-agency-phone-harassment/
https://consumerlawfirmcenter.com/affiliated-management-services-phone-harassment/
