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. 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 28 complaints filed against HCS with the BBB.
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:
Address: 1286 Carmichael Way
Montgomery, AL 36106-3645
Phone: (334) 396-3000
You can also reach Holloway Credit Solutions via fax at [fax number].
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.
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. 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
- 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.
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.
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. 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.
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.
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, Debt collectors are allowed to place the collection account on your credit report
Will HCS 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.
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
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 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 (877)700-5790 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
