Holloway Credit Solutions Phone Harassment?
Is Holloway Credit Solutions (HCS) calling you? Stop Holloway Credit Solutions 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.
When you are contacted by Holloway Credit Solutions, it is important to understand your rights and recognize when such contact may cross into harassment.
You have the legal right to stop HCS 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.
Is Holloway Credit Solutions a Scam?
According to the Better Business Bureau website, Holloway Credit Solutions has been in business for over a century, specifically 119 years. There have been numerous complaints filed against HCS with the BBB, highlighting the frequency and nature of grievances reported by customers.
Holloway Credit Solutions Better Business Bureau
Who is Holloway Credit Solutions?
There are many ways companies like Holloway Credit Solutions that harass consumers and violate their rights and the law. The TCPA limits when and how often a company like Holloway Credit Solutions or their affiliates can call a consumer. The TCPA also bans the use of automatic dialing systems. Some of the key parts of the TCPA that all companies including Holloway Credit Solutions must follow when making calls are below:
Contact details for Holloway Credit Solutions are as follows:
Address: 1286 Carmichael Way
Montgomery, AL 36106-3645
Phone: (334) 396-3000
You can also reach Holloway Credit Solutions via fax at [fax number].
When communicating with debt collectors, it is important to protect your contact details to safeguard your privacy and rights.
Holloway Credit Solutions Collection Tactics
Holloway Credit Solutions is a debt collection agency that employs various tactics to collect debts from individuals and businesses. While the company aims to help clients manage their database and mitigate risk, some of its collection methods have been criticized for being overly aggressive and harassing. Holloway Credit Solutions, a consistent reliable leader in the industry, strives to keep the cash flowing for their clients, but their approach can sometimes lead to complaints from those on the receiving end of their calls.
Understanding the typical collections process used by agencies like Holloway Credit Solutions is important. The process often begins when missed payments result in an account being sent to collections, which can negatively impact your credit score. Debt collectors may request validation of the debt, and the account’s presence on your credit report can affect your financial standing. It’s important to verify any debt before you pay, as paying a collection account can have implications for your credit report. Negotiating pay-for-delete agreements is sometimes possible, but always ensure the debt is valid before making payments.
The company’s tactics may include frequent phone calls, sometimes multiple times a day, and persistent demands for payment. These actions, while intended to collect and manage debt, can feel invasive and stressful, especially for those already facing financial difficulties. Watch for red flags during interactions with debt collectors, such as aggressive tactics, suspicious requests, or demands for payment without proper validation. It’s crucial to understand that while Holloway Credit Solutions aims to mitigate risk and collect debts efficiently, they must also adhere to legal standards and respect consumer rights.
Holloway Credit Solutions Mitigate Risk and Collect Tactics
If Holloway Credit Solutions engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Using obscene language
- Using threatening 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
While the company aims to help clients manage their database and mitigate risk, some of its collection methods have been criticized for being overly aggressive and harassing, collecting more debt and not more excuses. Their approach focuses on collecting more debt and not more excuses, ensuring efficient and results-driven debt recovery.
If you experience any of these tactics, take proactive steps to handle your situation effectively.
Holloway Credit Solutions Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
334-396-1200, 800-264-2700, 334-396-3000, 800-489-3838, 334-792-3346, 334-396-1241, (334) 396-1200, (800) 264-2700, (334) 396-3000, (800) 489-3838, (334) 792-3346, (334) 396-1241, 3343961200, 8002642700, 3343963000, 8004893838, 3347923346, 3343961241
If the answer is yes, then you are receiving calls from a known HCS number. You may be a victim of HCS phone harassment. The list above is not all the numbers that HCS uses. The calls can be from a different number and it still be Holloway Credit Solutions calling you. Contact our office right away so we can start the process to stop HCS from calling you illegally. Above all, no one should live with harassment!
Phone Harassment Allegations and How to Stop Them
Holloway Credit Solutions has faced accusations of phone harassment from some of its customers. The company’s collection agents may call repeatedly, sometimes multiple times a day, to demand payment. This relentless pursuit can be both stressful and annoying, particularly for individuals already struggling with financial issues.
If you find yourself being harassed by Holloway Credit Solutions over the phone, there are several steps you can take to stop the calls. Firstly, you can request that the collection agent stop calling you and instead communicate with you in writing. This can help reduce the immediate stress of constant phone calls. Additionally, you can send a cease and desist letter to the company, formally requesting that they stop contacting you.
Consumers have rights regarding a creditor’s communications, and the FDCPA restricts how and when creditors and debt collectors can contact you.
Understanding your rights under the Fair Debt Collection Practices Act (FDCPA) is also crucial. The FDCPA prohibits debt collectors from engaging in harassing or abusive behavior, including making repeated phone calls with the intent to annoy or harass. By knowing your rights, you can take appropriate action to protect yourself from undue harassment.
Understanding Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to regulate the behavior of debt collectors, including Holloway Credit Solutions. This law provides several protections to consumers, ensuring that debt collection practices are fair and respectful. Key prohibitions under the FDCPA include:
- Making false or misleading statements
- Using abusive or harassing language
- Making repeated phone calls with the intent to annoy or harass
- Failing to provide written notice of the debt
- Failing to provide verification of the debt upon request
If you believe that Holloway Credit Solutions has violated the FDCPA, you have the right to file a complaint with the Federal Trade Commission (FTC) or your state’s attorney general’s office. The state’s attorney general’s office can investigate and address illegal collection tactics, providing an important resource for consumers. Additionally, you may have the option to sue the company for damages if they have engaged in illegal practices.
It’s also important to know that you have the right to dispute a debt with Holloway Credit Solutions. If you believe that the debt is not valid or that the amount is incorrect, you can send a dispute letter to the company. They are then required to investigate the dispute and provide you with a written response. When disputing a debt, make sure to verify the original creditor to ensure the debt’s legitimacy, as the original creditor is the initial entity that extended credit or issued the loan.
A creditor is the original entity that extended credit to you, such as a credit card company or loan provider. Creditors may sell unpaid or overdue debts to collection agencies like Holloway Credit Solutions when they are unable to collect the debt themselves. These agencies then pursue consumers to recover the amounts owed.
If a debt collection lawsuit is filed against you and you fail to respond, the court may issue a default judgment in favor of the creditor or collection agency. A default judgment means the court has decided the case without your input, which can result in legal consequences such as liens on your property or negative impacts on your credit report. Once a court judgment is obtained, creditors can take legal action, including wage garnishment or reporting the debt to credit bureaus.
In conclusion, while Holloway Credit Solutions may use aggressive collection tactics, it’s essential to be aware of your rights under the FDCPA. By understanding these rights, you can protect yourself from harassment and abuse, ensuring that the company treats you fairly and respectfully.
Credit Report Protection: Safeguarding Your Credit from Collection Agency Actions
Protecting your credit report from the actions of a debt collection agency like Holloway Credit Solutions is essential for maintaining your financial well-being. When a collection agency initiates collection efforts, their actions can have a direct impact on your credit report, potentially affecting your ability to secure loans, rent an apartment, or even get a job. That’s why it’s crucial to understand your rights and take proactive steps to safeguard your credit from aggressive collection tactics and false or misleading statements.
Under federal laws such as the Fair Debt Collection Practices Act (FDCPA), debt collectors—including Holloway Credit Solutions LLC—are required to follow fair debt collection practices. This means they cannot use abusive language, make threatening phone calls, or provide misleading information about your debts. If you receive unsolicited calls or written notices from Holloway Credit Solutions, you have the right to request debt validation. This written request compels the collection agency to provide proof that the debt is legitimate and that you are the correct debtor.
If you notice any errors or inaccuracies on your credit report—such as debts that don’t belong to you or incorrect amounts—you can dispute these with the credit bureaus (Equifax, Experian, and TransUnion). Each credit reporting agency is obligated to investigate your complaint and correct any mistakes, helping to protect your credit from the negative effects of improper collection practices.
Should you experience debt harassment, such as repeated phone calls, aggressive tactics, or the use of obscene or abusive language, you can take immediate action. Send a written request to Holloway Credit Solutions demanding they stop contacting you, and keep detailed records of all communications. If the harassment continues, report violations to the Federal Trade Commission, your state’s attorney general’s office, or the Better Business Bureau. These organizations can help protect consumers and hold debt collectors accountable for unlawful behavior.
It’s also wise to review Holloway Credit Solutions reviews and be aware of common complaints, such as failure to provide debt validation or making false statements. If you’re unsure how to handle such matters, consider reaching out to a law firm that specializes in debt collection practices. Professional assistance can help you dispute errors, stop Holloway Credit Solutions from contacting you, and even recover statutory damages or legal fees if your rights have been violated. Many firms offer a free case evaluation to help you determine the best course of action for your situation.
Remember, you are protected by federal law, and you have the right to demand fair treatment from any collection agency. By taking proactive steps—such as disputing inaccuracies, requesting debt validation, and reporting violations—you can protect your credit report and financial future from the negative impact of aggressive collection efforts. Don’t hesitate to seek immediate assistance if you feel overwhelmed; your financial situation and peace of mind are worth defending.
Common Questions
Is HCS a scam? No, Holloway Credit Solutions has been in business for 28 years. Holloway’s customized digital solutions are designed to enhance cash flow management and debt collection efficiency.
Can Holloway Credit Solutions garnish my wages? Yes, HCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can HCS sue me? Yes, HCS can sue you so long as the debt is within the statute of limitations, helping you collect more debt efficiently.
Will HCS report my debt to the collection’s bureaus? Yes, if you have missed payments, HCS may report your account to the credit bureaus. Missed payments can lead to collection actions and negatively impact your credit score.
What happens when a debt is paid? When a debt is paid, your credit report will show the account as ‘paid’ or ‘settled.’ However, a paid status does not remove the account from your credit history immediately. The ‘paid’ status can still impact your credit score, but it is generally viewed more favorably than an unpaid or delinquent account.
Will HCS arrest me?
The following is a sample list of complaints filed against Holloway Credit Solutions in the past year and can be found on Pacer.org.
4:17-cv-01988-KOB Hood v. Holloway Credit Solutions LLC
5:18-cv-01507-LCB Tabb et al v. Holloway Credit Solutions, LLC
4:18-cv-00050-HLM Avery v. Holloway Credit Solutions, LLC
5:18-cv-00434-JSM-PRL Garcia v. Holloway Credit Solutions, LLC
1:16-cv-04328-TCB Miller v. Holloway Credit Solutions, L.L.C.
About Us: Keep the Cash Flowing
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 NCO Group 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 harassment from Transworld, Inc. call us at for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“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 Agency’s 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”.
“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!!”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
