Justice From Computer Credit Inc
Is Computer Credit, Inc. Harassing you? When you get contacted by a debt collector out of nowhere, your first reaction may be shock and panic. Debt collectors may be contacting you about a debt you may even have forgotten. If you owe a creditor for a couple of months, they may transfer the debt to a third-party debt collector. This may be why you’re getting contacted by collection agencies like Computer Credit.
Although nobody loves being contacted by a debt collector, it happens to people sometimes. Having the right knowledge will help you handle a debt collector situation well. One important thing to possess is the knowledge of your rights in the context of debt collection. It is pertinent that you know that debt collectors are not allowed to harass you, threaten you or lie to you. Doing any of those may be considered debt collector harassment and may be a violation under the FDCPA. If you are being harassed by a debt collector, you need to speak with a good lawyer. Experienced attorneys can help you pursue legal actions if you are a victim of debt collector harassment, and you may be entitled to recover actual damages.
Introduction to Debt Collection
Debt collection is the process by which creditors and collection agencies attempt to recover unpaid debts from consumers. If you have fallen behind on payments, you may start receiving phone calls, letters, or even text messages from debt collectors or collection agencies trying to collect what you owe. These collection calls can come to your home phone, cell phone, or even through pre-recorded voice messages, and sometimes the frequency of these calls can feel overwhelming.
Fortunately, there are federal and state laws in place to protect consumers from creditor harassment and unfair debt collection practices. The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to ensure fair debt collection and to stop creditor harassment. Under the FDCPA, debt collectors are prohibited from making harassing phone calls, using obscene or profane language, threatening arrest or legal action they cannot take, or repeatedly calling you at inconvenient times. The law also requires debt collectors to identify themselves, provide the name of the company they represent, and disclose your account number and the amount of the debt.
If you receive unwanted calls or suspect illegal behavior from a debt collector, you have the right to dispute the debt, request verification, and even demand that the collector stop contacting you by sending a cease and desist letter. If a debt collector continues to contact you after you’ve asked them to stop, or if they use pre-recorded voice messages or repeatedly call your phone number, you can report them to the Federal Trade Commission (FTC) or your state attorney general’s office. These agencies work to protect consumers and enforce fair debt collection practices.
To further protect consumers from unwanted calls, the National Do-Not-Call Registry allows you to register your phone numbers and reduce telemarketing calls. The Telephone Consumer Protection Act (TCPA) also regulates how companies can contact you on your cell phones, requiring them to get your consent before making calls or sending text messages.
If you are facing harassment from debt collectors or collection agencies, it’s important to know that you have options. Consulting with a bankruptcy attorney or a consumer protection attorney can help you understand your rights and determine if you have grounds for legal action, such as filing a lawsuit or seeking damages for violations of the FDCPA or TCPA. By staying informed and taking action, you can stop creditor harassment and regain control over your financial situation.
What can a debt collector say to me?
A debt collector is allowed to call you to discuss your debts and payment plans. However, they are not allowed to speak to you in rude and unpleasant manners. Federal laws like the FDCPA and the FTC prohibit debt collectors from using profane and obscene words while communicating with consumers. Debt collectors are not allowed to use curse words or insult a debtor. Doing this will be violating the consumer’s rights. For example, repeated calls with threats or abusive language are considered telephone harassment and are illegal.
Debt collectors are also not allowed to say things like they’ll send you to jail or prison. This is very wrong, as no debt collector can send you to jail. Being in debt is not a crime and you can not be jailed for it. A debt collector who tries to deceive you with false information or misrepresentation of any sort is also violating the FDCPA. Debt collectors may resort to saying all forms of awful things in a bid to get you to pay. You must recognize this as one of their tactics and not fall for them.
Do not let the words of a debt collector push you into making rash decisions. If you are already making plans to pay your debt, or you are paying up a more important debt first, do not be pressurized by debt collectors to go against your plans. When a debt collector begins to cross the lines through their words, be quick to stop them by contacting a qualified lawyer on 877-700-5790. Such behavior is considered telephone harassment under federal law.
Who is Computer Credit, Inc.?
Computer Credit, Inc. is a third-party debt collector located in Winston Salem, North Carolina. As one of many debt collection agencies, Computer Credit, Inc. specializes in collecting delinquent debts for creditors and from consumers within the United States.
Contact Information
- 🏛️ Computer Credit Inc Address: 470 W Hanes Mill Rd Ste 200 Winston Salem, NC 27105-9102
- 🔗 Website: http://www.ccipowerinside.com
- 📞 Phone: (336) 761-1524
Debt collection agencies like Computer Credit, Inc. may contact third parties to verify or confirm your address, but they are not allowed to discuss your debt with those third parties.
Is Computer Credit Inc a Scam?
No, they are an approved debt collection agency. According to the Better Business Bureau website, Complete Payment Recovery Services has been in business for 18 years. There have been 55 complaints filed against CPRS with the BBB. Computer Credit, Inc. is a third-party debt collector; they are not the original creditor, but instead collect debts on behalf of others, including credit card debt.
Credit, Inc. is often referred to or searched for by other names. These include:
Computer Collections; CCI
Computer Credit, Inc. Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📱 336-761-1524
- 📱 336-761-1538
- 📱 800-942-2995
If the answer is yes, then you are receiving calls from a known Computer Credit, Inc. caller. You may receive calls from these callers as part of debt collector phone calls. If you are receiving debt collector phone calls from these numbers, you have the right to request that they stop calling you. You may be a victim of Computer Credit, Inc. phone harassment, and you should contact us on (877)700-5790
Consumer Rights Law Firm PLLC
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 Computer Credit, Inc. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at for immediate assistance.
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