Westhill Exchange Debt Collection Harassment? Stop the Calls!

Westhill Exchange

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 Westhill Exchange due to the fact that you have not laid the debt? Do you think Westhill Exchange guilty of shady practices such as misrepresenting the amount you owe or calling unauthorized third parties and providing them with information about your debt? This is Westhill Exchange debt collection harassment and it is unacceptable. 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 like Westhill Exchange phone harassment.

If you are currently receiving Westhill Exchange debt collection calls, 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 and help you put an end to Westhill Exchange phone harassment. 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: During Westhill Exchange debt collection, they 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 during Westhill Exchange debt collection 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. If they fail to provide you with this information and they keep calling you, that is Westhill Exchange phone harassment. 

How To Improve Your Credit Score

What is a Credit Score? A credit score is a three digit number creditors use to determine the possibility that you will pay them on time when they lend you money. How does it work?

If your credit score is low, then your chances of getting a loan would be low too, but if your credit score is high you have a higher chance of getting a loan under very favourable conditions.

Would you want to improve your credit score and be eligible for a good loan in the future? Here’s how you can do that:

– Know your credit score online: find a website that calculates credit scores and check what your credit score is.
– Timely payment of bills: no creditor would want to risk loaning you money when they see that you delay payment. So pay your bills on time, and if the payment is done monthly, when you can pay more than the monthly arrangement. Paying your utility bills, rent, phone bills and so on on time can also reflect positively on your credit score.
– Apply for and open only necessary Credit accounts: having many credit accounts can lead to over spending which would lead to debt and affect your credit score. Have credit accounts only as necessary as it can be, not because you just want to. Opening too many credit accounts can place a demand on your credit report which would affect your credit score negatively.
– Leave unused credit cards: deleting already open accounts and discarding the credit cards would only restrict your debt to the main credit account. But splitting the debt among the other credit accounts to pay can eventually help.
– Report any errors on your credit score: if the report showing is wrong, don’t keep quiet about it. You could pay your debt and it wouldn’t reflect on your credit score that you’ve paid off your debt. Instead of hoping that it would resolve itself, dispute any errors on your credit score.
– Don’t take too many credit loans: when so many rivers borrow you water, you can have a pool of bad water. So take a loan at a time. If you take too many loans at once the overload of enquiries on your credit report can pull your credit score down.

To rebuild a positive credit score you would need to tackle the reason behind each negative change. Delinquencies or collection accounts would have a long and negative effect on your credit score. Don’t look for an easy way out to improve your credit score, take it one step at a time.

Who is Westhill Exchange?

Westhill Exchange is a third-party debt collector located in Aurora, Colorado.

Contact Information

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.

1:17-cv-07815 Adams v. Westhill Exchange, LLC, et al

1:14-cv-02362-WYD-CBS Whipple v. Westhill Exchange LLC

2:14-cv-00563-CW Kendall v. Westhill Exchange

1:13-cv-04105 McLaughlin et al v. Westhill Exchange LLC et al

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:

https://www.consumer.ftc.gov/articles/debt-collection-faqs

Colorado Attorney General

Consumer Financial Protection Bureau

 

https://consumerlawfirmcenter.com/machol-johannes-debt-collection-harassment/

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Know Your RIGHTS: Insider Insights Into Consumer Rights w/ Attorney Derek DePetrillo episode of Credit Conversion Conversations