Does Credit Control Keep Calling You?
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Stop Harassing Collection Calls From Credit Control
Approved under the consumer protection act, the Fair Debt Collection Practices Act (FDCPA) protects your rights against unfair, abusive and deceptive collection behavior.
FDCPA violations may include:
Call more than 5 times in one day
Calling before 8am or after 9pm
Use any abusive or obscene language
Contact any third party stating you owe a debt
Violence threats or any intent to harm you
Ask to pay more than what is owed
Make false or misrepresenting claims
Legal threats that you'll be arrested
We're Ready To Fight For You
Cash Compensation
Receive up to $1,000 in compensation.
Trade line deletion
Removal of negative reporting to credit
Debt Waiver
You will be paid in full amount
Cease and Desist
All communication from collector to consumer
Who is Credit Control?
Credit Control is a relentless debt collection agency notorious for employing aggressive tactics to recover unpaid debts. Their contact information is as follows:
- Credit Control Corporation
- Address: 3300 Rider Trail S. Suite 500 Earth City, MO 63045 USA
- Phone: 888-365-7145
- Website: https://www.credit-control.com/contact-us/
This company, despite being registered and licensed, has garnered a reputation for unscrupulous practices. Numerous complaints from consumers suggest they use harassment methods, intimidating language, and persistent calls, creating a hostile atmosphere. Though they might have legitimate claims, the way they go about debt collection is unsettling.
Debtors often dread the sight of “Credit Control” on their caller ID, knowing they are in for a relentless barrage of phone calls and, in some cases, threats of legal action. Such tactics can leave individuals feeling stressed, anxious, and even fearful about their financial situation.
Why is Credit Control Calling Me?
Receiving calls from Credit Control could be the result of unpaid debts. Often, creditors hire collection agencies like Credit Control to recover outstanding payments on their behalf. If you owe money to a creditor, you might become their target.
In some instances, debts might be beyond the statute of limitations, meaning they are too old to be legally collected. Credit Control, however, may still pursue these aged debts, giving rise to suspicions of dubious intentions.
While debt collection is legal, Credit Control’s aggressive tactics may lead you to question their methods. If you have doubts about the validity of the debt or the legality of their actions, you have the right to request validation of the debt and ask for a formal verification letter. Unscrupulous collectors might try to collect on debts that have already been paid, settled, or even debts that don’t exist, making it essential to demand proof of the debt in question.
Is Credit Control Legit or Are They a Scam?
Credit Control is indeed a legitimate debt collection agency, licensed to operate in compliance with federal and state regulations. However, their business practices and approach have raised suspicions among many consumers. Despite their legitimacy, the line between aggressive debt collection and harassment can be thin.
Consumers should be cautious about sharing personal and financial information with any debt collector, including Credit Control, without first verifying the debt’s validity. Scammers often pose as debt collectors to exploit individuals, so it’s essential to remain vigilant and not divulge sensitive information without proper validation.
In cases where Credit Control is pursuing a debt you believe is not legitimate, you have the right to dispute the debt. Under the Fair Debt Collection Practices Act (FDCPA), you can request debt verification from the collection agency. If they fail to provide sufficient evidence, you may have grounds to challenge the debt’s legitimacy and halt their collection efforts.
Can Credit Control Sue Me or Garnish My Wages?
Yes, Credit Control or any legitimate debt collector can file a lawsuit against you if you genuinely owe the debt. If they obtain a judgment against you, they may be able to garnish your wages or place a lien on your assets.
It’s essential to remember that debt collectors must follow specific rules and regulations while attempting to collect debts. The FDCPA prohibits abusive, deceptive, and unfair debt collection practices. Credit Control cannot threaten you with actions they cannot legally take or misrepresent the consequences of non-payment.
If you find yourself facing a lawsuit from Credit Control, seek legal advice promptly. Engaging with an experienced attorney can help you understand your options and rights, potentially leading to a negotiated settlement or a resolution that prevents further escalation.
Is Credit Control Harassing You?
Credit Control has been accused of employing various harassment tactics to coerce debtors into payment. Some possible harassment tactics include:
- Excessive and repeated phone calls throughout the day: Credit Control may inundate you with relentless calls, creating an intimidating and distressing atmosphere. b. Use of threatening and abusive language: Some debt collectors resort to intimidation, using offensive language to pressure individuals into paying. c. False threats of legal action or arrest: To scare debtors, Credit Control might falsely claim they will initiate legal proceedings or have you arrested. d. Contacting your friends, family, or employer about the debt: They may violate your privacy by disclosing your debt situation to others, causing embarrassment and distress. e. Ignoring requests to cease communication: Debt collectors must respect your request to stop contacting you, but some may persist in their efforts, violating your rights.
If you experience any of these tactics, document all interactions and file a complaint with the Consumer Financial Protection Bureau (CFPB) and your state’s attorney general office. Harassment is not only unethical but also illegal under the FDCPA.
Can Legal Rights Advocates Help Me File a Lawsuit Against Credit Control?
Yes, Legal Rights Advocates Law Firm can offer valuable assistance if you believe Credit Control has violated your rights under the FDCPA. They specialize in consumer protection law and have experience handling debt collection harassment cases.
If you have evidence of Credit Control’s abusive practices, such as recorded calls or threatening letters, consult with Legal Rights Advocates Law Firm to discuss your situation. They can evaluate the validity of your claim and guide you through the process of filing a lawsuit against Credit Control to seek compensation for damages.
Keep in mind that the FDCPA entitles you to sue debt collectors for violations, and if successful, you may recover damages, attorney fees, and court costs. Legal Rights Advocates Law Firm can help you navigate the complexities of the legal system and represent your interests throughout the litigation process.
It is crucial to know your rights and protect yourself from debt collection harassment. Be proactive in understanding the laws that safeguard consumers and seek professional help when necessary. By staying informed and asserting your rights, you can shield yourself from abusive debt collection practices and regain control of your financial well-being.
In conclusion, Credit Control, though a legitimate debt collection agency, has gained notoriety for employing aggressive and questionable tactics. If you find yourself entangled with them, it’s essential to know your rights and seek professional help to protect yourself from harassment and potential violations of the FDCPA. Always validate any debt claims and, if necessary, reach out to experts who can help you navigate through such challenging situations.
Credit Control Phone Numbers
Yes, debt collection agencies like Credit Control may use multiple phone numbers to contact individuals. This is a common tactic used by debt collectors to increase their chances of reaching the debtor and getting a response.
Some of their most commonly used phone numbers are:
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