Westhill Exchange Debt Collection Harassment
Do you have a debt that has gone into delinquency and has been sold or transferred to a debt collection agency like Westhill Exchange by your original creditor? Are you now on the receiving end of increasingly offensive and harassing phone calls from the debt collection agency assigned to collect your debt as a result of your inability to pay up your debt? Do you think they are guilty of shady practices such as misrepresenting the amount you owe or calling unauthorized third parties and providing them with information about your debt? All this and more is the reason why it is important to know your rights under the Fair Debt Collection Practices Act and how they protect you from unfair debt collection practices.
The question, therefore is: do you know your rights? Do you know how federal laws such as the FDCPA and the TCPA collaborate to ensure that you live a stress-free life free from oppression and debt collection harassment? If you are currently receiving calls from Westhill Exchange, then you should be aware that there are certain things that a third-party debt collector is legally expected to do. If they fail or refuse to do them, then it may amount to a violation of the FDCPA laws and you maybe awarded statutory damage up to $1000, alongside additional expenses.
A qualified lawyer can help you understand your rights better. Reach out to an A+ accredited BBB lawyer on 877-700-5790.
Below is a list of the things that Westhill Exchange is expected to do in their communications with you.
What should a debt collection agency do when communicating with you?
According to laws like the FDCPA, when a debt collector is communicating with you, they must:
- Tell you who they are: Debt collection agencies are required to tell you that they are a debt collector and that any information they obtain may be used in the process of collecting on the debt. They should also tell you the name of the agency which they represent. In addition, the debt collector must tell you that you have the right to dispute the claim. This is quite similar to the Miranda law.
- They must tell you the name and address of original creditor to whom you owed the debt: The debt collector must give you information about where the debt originated from and provide contact information for that creditor. If you don’t remember ever acquiring such debt, it is advisable that you request them to send you a written validation within 5 days. If the details still don’t add up, then you have 30 days to dispute the debt.
- Be willing to give you a verification of the debt: As mentioned earlier, you are allowed to demand proof of the debt which they claim you owe. The verification should contain specific details such as the name of the original creditor, the amount of the loan, and the interest rate on the loan. They are expected to provide this information before continuing attempts to get you to pay up your debts. You are further allowed to dispute the debt.
Who is Westhill Exchange?
Westhill Exchange is a third-party debt collector located in Aurora, Colorado.
Address: 2851 S Parker Rd STE 310
Aurora, CO 80014-2733
Phone: (888) 407-5650
Is Westhill Exchange a scam?
No, Westhill Exchange is not a scam. According to the Better Business Bureau website, Westhill Exchange has been in business since 2009, and there have been 15 complaints closed in the last 3 years and 4 complaints closed out in the last 12 months. Read more about it here: Westhill Exchange Better Business Bureau
Westhill Exchange Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
888-407-5650, 844-937-8554, 877-308-8728, 708-384-5908, 708-799-9661.
If so, you may be a victim of Westhill Exchange debt collection harassment. Contact our office right away so we can start the process to stop Westhill Exchange from calling you illegally.
The following is a sample list of complaints filed against Westhill Exchange and can be found on Pacer.org.
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 Westhill Exchange. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
Check out the links below for more information: