Are you receiving repeated calls from Vance & Huffman LLC? Debt collection calls can be stressful, confusing, and intimidating, especially if you’re unsure about the debt or your rights. You might worry about lawsuits, wage garnishment, or credit damage, but federal law provides protections to help you challenge unfair or abusive collection practices.
Who Is Vance & Huffman LLC?
Vance & Huffman LLC is a third-party debt collection agency based in Smithfield, Virginia. They provide receivables management and debt recovery services for creditors across multiple industries.
Company Information
| Detail | Information |
|---|---|
| Name | Vance & Huffman LLC |
| Address | 55 Monette Pkwy STE 100, Smithfield, VA 23430-2577 |
| Phone | (757) 542-3501, 855-206-6697 |
| Industry | Debt Collection |
Is Vance & Huffman a Scam?
Vance & Huffman LLC is generally considered a legitimate debt collector. They have been in business since 2013 and are accredited with the Better Business Bureau (BBB “B” rating). However, scammers sometimes impersonate real agencies. Always verify a debt before paying and never share personal information until the debt is validated.
Being legitimate doesn’t give them the right to violate federal or state laws. Even lawful collection agencies must follow the Fair Debt Collection Practices Act (FDCPA) and other consumer protection regulations.
Reported Phone Numbers for Vance & Huffman
| 757-542-3508 | 855-206-6697 | 757-542-3501 |
|---|
Always verify the number before sharing personal information and if you get call from any of these numbers, you may be a victim of Vance & Huffman debt collection harassment. Call us now at 877-700-5790.
Why Are They Calling You?
Vance & Huffman may contact you for several reasons:
A creditor hired them to collect an unpaid account.
An old or disputed account was placed for collection.
Your name is connected to the account by mistake.
You have the right to request debt verification, and the collector must provide written details about the debt, the original creditor, and your right to dispute.
Common Vance & Huffman Collection Practices
While many collection methods are lawful, repeated or aggressive contact can cross the line. Common practices include:
Repeated phone calls: Illegal only if they are harassing, threatening, or outside allowed hours (8.00 a.m-9: p.m.)
Collection letters and emails: Legal as long as they are truthful and not deceptive.
Requests for payment verification: Required and fully legal under the FDCPA.
Reporting accounts to credit bureaus: Legal if the information is accurate; reporting false information is illegal.
Understanding what’s allowed helps you identify harassment or violations.
How to Dispute a Vance & Huffman Debt
If you believe the debt is inaccurate, outdated, or not yours:
Request debt validation: Vance & Huffman must provide written details of the creditor and amount owed within five days of first contact.
Send a written dispute: You have 30 days to request full verification.
Keep records: Save all correspondence, call logs, and any proof of harassment.
Certified mail: Use it to ensure delivery and create a paper trail.
Collection activity must generally pause until the debt is verified.
Can Vance & Huffman Debt Collector Sue You?
Yes, they may file a lawsuit to recover unpaid debts. Whether this occurs depends on:
Amount owed
Age of the debt
State laws
Available documentation
Do not ignore court papers. Responding promptly protects your rights and allows you to dispute inaccurate claims in court.
Can I Sue Vance & Huffman LLC for Harassment?
If you are experiencing persistent or abusive collection attempts from Vance & Huffman, you do have legal options. Before filing a lawsuit, you can first try less formal measures:
File a complaint with the Federal Trade Commission (FTC).
Contact your state attorney general’s office about the collector’s actions.
These steps allow regulators to intervene and may help resolve the issue without going to court.
If harassment continues, you can sue Vance & Huffman LLC in civil court. You may recover actual damages, up to $1,000 in statutory damages, and possibly attorney’s fees. Keeping detailed records of all calls, messages, and interactions will strengthen your case.
Wage Garnishment and Arrest Threats
Wage Garnishment: Requires a court judgment, proper notice, and compliance with state limits. Collectors cannot seize wages without court approval.
Arrest Threats: You cannot be jailed for consumer debt alone. Threats of imprisonment are generally illegal under the FDCPA.
Paying Vance & Huffman Safely
If you decide to resolve a debt, it’s important to protect yourself. Never make a payment before receiving validation of the debt. Always get any settlement offers in writing, and avoid giving direct access to your debit or bank accounts. Request a “paid in full” letter once the debt is settled, and keep records of all payments and communications.
Options For Payment Plans and Settlements
Vance & Huffman may offer several options to repay your debt. These can include monthly payment plans, lump-sum settlements, or reduced payoff agreements. Always get the full terms in writing, and consider consulting a legal or financial professional to ensure your rights are protected.
How Vance & Huffman Affects Your Credit Score
Collections can negatively impact your credit score, even after full payment. Key factors:
Payment History: Full payment improves score but may not remove the negative mark.
Credit Utilization: Multiple debts in collections can raise utilization ratio.
Credit Age: Old accounts in collections may lower the average account age.
Tips: Communicate with the collector, pay debts in full if possible, and monitor your credit report for changes.
Removing Vance & Huffman From Your Credit Report
You can dispute inaccurate collections or negotiate:
Negotiate pay-for-delete agreements in writing
It’s essential to note that removing Vance & Huffman from your credit report may not completely erase the negative mark, but it can help improve your credit score and overall financial health. By taking proactive steps and staying informed, you can work towards a better credit future.
Sample Federal Cases Against Vance & Huffman
The following is a sample list of complaints filed against Vance & Huffman and can be found on Pacer.gov.
| Case | Court |
|---|---|
| 3:17-cv-08084-DLR Faucher v. | Federal |
| 9:17-cv-80830-KAM Stetson v. | Federal |
| 2:16-cv-00759-JCC Muse v. | Federal |
| 1:16-cv-01085 Romero v. | Federal |
| 1:15-cv-06812-WFK-SMG Solomons v. | Federal |
These filings show that consumers have challenged their collection practices in court.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing Vance & Huffman debt collection 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 Vance & Huffman. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau. Our services include consumer credit counseling to help you manage and resolve your financial issues effectively.
Call us at (877)700-5790 for immediate assistance.
FAQs
Who are Vance & Huffman, LLC and why are they contacting me?
Vance & Huffman, LLC is a legitimate third‑party debt collection agency based in Smithfield, VA. They contact you because they believe you owe money on a debt they’ve purchased or been assigned to collect.
Is Vance & Huffman a scam or a real debt collector?
They are a real, accredited debt collector (BBB “B” rating), but have faced consumer complaints about aggressive tactics and inaccurate debt claims. You should verify any debt before paying.
Can Vance & Huffman legally harass me with repeated calls?
No. Under the FDCPA and TCPA, repeated calls, threats, abusive language, or calls outside allowed hours are illegal. You can take legal action if they violate these laws.
How do I make Vance & Huffman stop calling me?
Send a written cease‑and‑desist request. If they continue calling, file a complaint with the CFPB, FTC, or your state attorney general, and keep documentation of each contact.
Can I sue Vance & Huffman for harassment?
Yes. You may sue for violations of FDCPA, TCPA, or related state laws and seek damages up to $1,000 plus actual harm and attorney’s fees.
Does Vance & Huffman use robocalls or spoofed numbers?
They may use multiple numbers, and callers have reported robocalls. Unsolicited robocalls without consent may violate the TCPA.
Can Vance & Huffman affect my credit score?
Yes. They can report your debt to credit bureaus, which can damage your score. You can dispute inaccuracies with the bureaus.
What should I do if Vance & Huffman collectors sues me?
Respond to the lawsuit by filing an Answer in court. You can also negotiate or settle before a judgment is issued.
Can I get ‘pay‑for‑delete’ with Vance & Huffman debt collector?
Possibly, but rare. Collections typically remain on your credit report for 7 years even if paid. A written agreement is essential.
How can I validate the debt Vance & Huffman is collecting?
Under the FDCPA, within 30 days of first contact you can request verification. They must supply proof of the debt’s amount, original creditor, ownership, and licensing—if they can’t, they must stop collecting.
Who does Vance and Huffman collect for?
They collect debts for banks, lenders, and other creditors across different industries.
Who does Vance and Huffman collect for in Texas?
They collect debts for regional and national creditors in Texas, following federal and state laws.
What is a debt validation notice from Vance and Huffman?
A written notice showing the debt amount, original creditor, and your right to dispute it.
What does re-aging mean in debt collection with Vance and Huffman?
Re-aging resets the last activity date on a debt, which affects how it shows on your credit report.
How do I reach Vance and Huffman collection agency by phone?
Call 757-542-3501 or 855-206-6697, and verify the number before sharing information.
What should I do if I see Vance and Huffman on my credit report?
Request a debt validation notice. Dispute inaccuracies and consider negotiating a settlement or pay-for-delete in writing.
