When the phone keeps ringing with collection calls or letters starting to arrive from a company you have never heard of, it is easy to feel anxious and trapped. That is what many consumers experience when they first see the name Capital and Credit Solutions Inc on a letter, caller ID, or credit report. You might not remember the debt they are talking about, you may disagree with the balance, or you may simply be tired of the pressure.
Even if you do owe money, you still have rights. Debt collectors are not allowed to threaten you, lie to you, or harass you to force payment. Federal law gives you clear protections and ways to fight back. In this guide, you will learn who Capital and Credit Solutions Inc is, what typical Capital and Credit Solutions Harassment can look like, and how to respond in a way that protects both your peace of mind and your legal rights.
You will also see how a consumer focused law firm like Consumer Rights Law Firm PLLC can step between you and the collector, stop abusive contact, and help you pursue compensation when the law has been broken.
Who Is Capital and Credit Solutions Inc
According to consumer protection resources, Capital and Credit Solutions Inc is a debt collection agency based in Pennsylvania. Public listings show the business address as
Capital and Credit Solutions Inc
110 E State St Ste 9A
Kennett Square PA 19348 3100
The main contact number associated with the company is reported as 866 999 9168.
Resources that track collection agencies describe this company as a third party debt collector. That means it does not usually lend money directly to consumers. Instead, it attempts to recover past due accounts that were assigned to it by creditors or possibly purchased by debt buyers.
From your point of view, the result is simple. A lender you once dealt with may have turned your unpaid account over to Capital and Credit Solutions Inc, and now this company is contacting you to demand payment.
Is Capital and Credit Solutions Inc Legitimate
A very common first question is whether this company is real or a scam. Consumer law sites and collection agency lists treat Capital and Credit Solutions Inc as a genuine business, not a made up name.
However, that does not mean every call or letter claiming to be from this company is legitimate. Scammers sometimes borrow real company names to appear more convincing. It also does not mean that every claim made by the collector is correct or lawful. Legitimate collectors can still make serious mistakes or break the rules.
Whenever you receive a contact
- 👉 Ask the caller for the full business name
- 👉 Request the complete mailing address
- 👉 Write down the Capital and Credit Solutions Phone Number they give you
- 👉 Ask for the name of the original creditor
- 👉 -+–+-+Ask for the total balance and the last four digits of the account number
Then wait for a written notice before you agree to anything. Compare the information in the letter with what you were told on the phone. Use independent sources to confirm that the address and phone number match those publicly connected with Capital and Credit Solutions Inc. If details do not line up, treat the contact as suspicious.
How Debts End Up With Capital and Credit Solutions Inc
When you fall behind on a credit card, medical bill, personal loan, or similar obligation, the original creditor may try to collect for a while. Once an account is seriously past due, in many cases the creditor either assigns the debt to a collection agency or sells a group of unpaid accounts to a debt buyer.
Agencies like Capital and Credit Solutions Inc then receive lists of accounts with basic information
- ✨ Name and last known address
- ✨ Original creditor
- ✨ Account number
- ✨ Claimed balance and charge off date
These agencies begin contacting consumers to try to arrange payment. Sometimes the records they receive are incomplete or outdated. Balances can include interest or fees that you did not expect. In some cases the debt may be too old to be sued on, may have been settled already, or may even belong to someone else with a similar name.
Because of these common errors, it is never safe to assume that a bill from Capital and Credit Solutions Inc is correct until you have seen proper documentation.
What Capital and Credit Solutions Harassment Can Look Like
Not every collection attempt is harassment. A single polite letter that clearly explains a balance is usually lawful. Capital and Credit Solutions Harassment happens when the pressure becomes intense, confusing, or abusive.
Consumers who report problems with collection agencies often describe the same patterns
- ➡️ Frequent calls, sometimes several times a day, often at inconvenient hours
- ➡️ Calls that continue even after the consumer asks for a pause or requests written communication
- ➡️ Vague threats of lawsuits, wage garnishment, or bank account seizure without clear explanation
- ➡️ Refusal to answer basic questions about the debt or to send documentation
- ➡️ Aggressive or disrespectful tone, especially when the consumer hesitates or disputes the account
Federal regulators such as the have made clear that collectors are not allowed to use repeated calls or abusive tactics to pressure consumers.
If your interactions with the company feel more like intimidation than information, you may be experiencing Capital and Credit Solutions Harassment and you are allowed to push back.
Your Rights Under The Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act, usually called FDCPA, is a federal law that regulates third party debt collectors, including agencies like Capital and Credit Solutions Inc when they collect consumer debts.
Under this law a collector may not:
- ✅ Call you before eight in the morning or after nine at night in your local time zone
- ✅ Call over and over with the intent to harass or abuse you
- ✅ Use obscene language, insults, or threats of violence
- ✅ Pretend to be law enforcement, a government office, or an attorney if that is not true
- ✅ Threaten arrest or jail for failure to pay a civil debt
- ✅ Misrepresent the amount you owe or the status of a legal case
- ✅ Tell neighbors, family members, or coworkers details about your debt
You also have the right to receive a written notice that states the amount of the debt, the name of the current creditor, and your right to dispute the debt in writing within a set period. If you send a timely written dispute, the collector must stop active collection until it provides validation.
If Capital and Credit Solutions Harassment includes any of these forbidden behaviors, you may be entitled to statutory damages, actual damages, and recovery of your attorney fees.
Your Rights Under The Fair Credit Reporting Act
The Fair Credit Reporting Act, or FCRA, protects you when information is placed on your credit reports. If an account connected to Capital and Credit Solutions Inc appears on your reports, it must be accurate and complete.
Under the FCRA you have the right to:
- ➤ Get copies of your credit reports from the major credit bureaus
- ➤ See which companies have reported negative information about you
- ➤ Dispute information that is wrong or incomplete
- ➤ Have the bureaus investigate your dispute
- ➤ Require correction or removal of information that cannot be verified
If a collection entry shows the wrong balance, the wrong dates, or belongs to someone else, you can send a written dispute to each bureau that reports the error. If the furnisher of information fails to fix clear inaccuracies after a proper dispute, you may have a separate claim for damages under the FCRA.
How To Respond When Capital and Credit Solutions Inc Contacts You
When you first hear from Capital and Credit Solutions Inc, it is important not to panic and not to act on impulse. A calm and organized response will protect you far more than a quick promise made out of fear.
First, start a simple log. Each time the company contacts you
Write down the date:
- ✔️ Note the time of the call or when the letter arrived
- ✔️ Record the number that appeared on your caller ID
- ✔️ Write the name the representative used
- ✔️ Summarize what was said and how it was said
Second, wait for a written notice if you have only received calls. Federal law requires that a collector send you a letter with basic details about the debt. When you receive that letter, check whether the information matches your own records as far as you can tell.
Third, consider sending a written dispute and a request for validation. In your letter you can state that you dispute the debt, ask for the name and address of the original creditor, and request an itemized breakdown of the balance and supporting documents. Send the letter by a method that gives you proof of delivery and keep a copy.
These steps show that you are taking the situation seriously while also insisting on your rights.
Using Debt Validation To Challenge Capital and Credit Solutions Inc
One of the most powerful tools consumers have is the right to request validation of a debt. This right is especially useful with agencies like Capital and Credit Solutions Inc, which may be working from data that passed through several hands.
A proper validation request should:
- 🚨 Clearly state that you dispute the debt or part of it
- 🚨 Ask for confirmation of the original creditor
- 🚨 Request documentation such as account statements or a copy of the agreement
- 🚨 Ask for an explanation of how the current balance was calculated
Once the company receives a timely written dispute, it should pause active collection while it gathers the requested information. If collection efforts continue without meaningful validation, that pattern can support a claim under the FDCPA.
Debt validation often reveals problems such as incomplete records, missing contracts, or balances that do not match the original terms. Discovering these issues early can prevent you from paying money you may not actually owe.
How To Control Communication And Reduce Stress
Even when a debt is valid, you have the right to set reasonable limits on how a collector communicates with you. If calls from Capital and Credit Solutions Inc are disrupting your work or family life, taking control of the contact method can make a big difference.
You can tell the company that:
- ➜ Your employer does not permit personal calls at work
- ➜ Certain times of day are not acceptable for calls
- ➜ You prefer communication in writing rather than by phone
Follow up these requests in writing and keep a copy of your letter. If the company continues to call at your workplace after being told not to, or calls at obviously inconvenient times, that behavior may violate federal rules governing collection conduct.
In some cases you may choose to send a stronger letter asking the collector to stop most contact entirely. Because that step can have legal and practical consequences, it is wise to consult with a consumer rights attorney before doing so.
Capital and Credit Solutions Phone Number And Contact Details
When you research the company, you will often see references to Capital and Credit Solutions Phone Number information. Public consumer law resources list the contact number for this agency as 866 999 9168.
Knowing the correct Capital and Credit Solutions Phone Number matters for two reasons
- ➡️ It helps you confirm that a caller is actually from the company and not a scammer using a similar name
- ➡️ It gives you a reliable contact channel for sending written notices or calling back on your own terms
Along with the Capital and Credit Solutions Phone Number, the address in Pennsylvania listed earlier should appear on official letters that you receive. If a letter uses a very different address than the one publicly disclosed, you should be cautious and verify the source before sending any payment or sensitive information.
When you write to the company at its published address and mention the Capital and Credit Solutions Phone Number you have seen in public records, you create a clear link between your letter and the agency. That can help later if any question arises about whether the company received your dispute or other written notice.
If you see a caller ID display that does not match the known Capital and Credit Solutions Phone Number but the caller claims to be from the agency, ask for written proof and do not provide personal details until you can confirm the information.
How This Company Can Affect Your Credit Report
Collection agencies often report accounts to the credit bureaus. That means a debt handled by this company can appear as a negative entry on your credit reports and may lower your score.
A collection entry usually includes:
- ➡️ The name of the collection agency or debt buyer
- ➡️ The claimed balance
- ➡️ The date the account was placed for collection
- ➡️ Sometimes a reference to the original creditor
If you see an entry you do not recognize, or if details appear wrong, you should dispute it in writing with each credit bureau that reports the account. Under the FCRA, the bureaus must investigate your dispute, and the furnisher of the information must verify accuracy or the entry must be corrected or removed.
Be sure to include copies of any letters you have exchanged with the company, including validation requests and responses. That documentation can help show why the entry is inaccurate or incomplete.
What To Do If You Are Sued
Debt collectors and debt buyers sometimes file lawsuits when they believe they have enough information and that legal pressure will lead to payment. If you are served with a summons and complaint listing this agency or a related company, you must take it seriously.
A collection complaint typically claims that:
- ✔️ You entered into an agreement with the original creditor
- ✔️ You failed to make required payments
- ✔️ The plaintiff now owns the account and is entitled to collect a certain balance
If you do nothing, the plaintiff can ask the court for a default judgment. A judgment can allow wage garnishment, bank account levy, or liens on certain property, depending on your state law.
You should:
- ✔️ Read the complaint carefully and note the deadline to respond
- ✔️ Gather any records you have about the original account
- ✔️ Consider consulting a consumer rights lawyer quickly
A lawyer can help you file a proper answer, challenge whether the plaintiff has enough proof, raise defenses such as an expired statute of limitation, and assert counterclaims if the collection practices violated the FDCPA or FCRA.
How Consumer Rights Law Firm PLLC Can Help
Facing a collection agency alone can be overwhelming, especially if you are dealing with repeated calls, confusing letters, or the threat of a lawsuit. Consumer Rights Law Firm PLLC focuses on helping consumers who are being harassed or misled by debt collectors.
Contact information
📌 Consumer Rights Law Firm PLLC
133 Main Street Second Floor
North Andover MA 01845
📞 Phone 877 700 5790
📩 Email help@consumerlawfirmcenter.com
The firm can:
- 👉 Review your situation, letters, and call records
- 👉 Explain your rights under the FDCPA and FCRA in clear language
- 👉 Send letters on your behalf demanding that unlawful conduct stop
- 👉 Require proper validation of any alleged debt before you consider payment
- 👉 Defend you in court if a lawsuit has already been filed
- 👉 Seek money damages when collection conduct violates your rights
Working with a dedicated consumer rights firm means you do not have to handle every call and letter yourself. Instead, you have experienced advocates to guide you and stand between you and the collector.
Practical Tips To Protect Yourself And Reduce Stress
Legal rights are important, but so is your day to day peace of mind. These simple steps can help you stay organized and calm while you deal with a collection agency
- ➡️ Keep all letters and notices in one folder so nothing gets lost
- ➡️ Use a notebook or document to track every call and message
- ➡️ Let unknown numbers go to voicemail while you are gathering information
- ➡️ Avoid making payment agreements in the heat of the moment on a call
- ➡️ Check your credit reports regularly so you are not surprised by new entries
- ➡️ Reach out for legal help sooner rather than later if the situation feels overwhelming
Remember that you are not alone. Millions of people every year face collection calls and letters. Reaching out for help and using your rights is a sign of strength, not failure.
Frequently Asked Questions
✔️ Is Capital and Credit Solutions Inc a real company
Yes, public records and consumer law resources identify it as a debt collection agency based in Kennett Square Pennsylvania.
✔️ Do I have to speak to them on the phone
No, you can request that most communication be done in writing, which gives you time to think and creates a clear paper trail.
✔️ Can they call me at any time of day
No, the FDCPA generally forbids calls before eight in the morning or after nine at night in your time zone and prohibits calls at times the collector knows are inconvenient for you.
✔️ What if the debt is not mine
You should dispute the debt in writing and request validation. The company must provide proof before it can continue lawful collection efforts.
✔️ Can I stop all contact from this collector
You can send a written request that the collector stop contacting you, although they may still be able to pursue legal remedies. It is wise to speak with a consumer rights lawyer before sending this type of letter.
🎯 Conclusion
Having a debt collection agency pursue you is stressful, especially when the name on the letter is unfamiliar and the tone of the calls feels harsh. But even if you owe a debt, you are not powerless. Agencies like Capital and Credit Solutions Inc must follow strict rules when they attempt to collect. They are not allowed to harass you, deceive you, or damage your credit with false information.
By understanding how this company operates, using your rights under the FDCPA and FCRA, demanding proper documentation, controlling how and when you are contacted, and seeking help from Consumer Rights Law Firm PLLC when needed, you can move from fear to control. You may not be able to erase the past, but you absolutely can insist that any collection efforts against you are fair, lawful, and respectful.
