Who is Carson Smithfield?
Carson Smithfield, LLC is a debt collection agency based in the United States with offices in Pittsburgh, Pennsylvania, and Woodbury, New York. Their primary role is to recover unpaid debts on behalf of creditors.
They may appear on your credit report as a collections account. This typically happens when you’ve defaulted on a credit or loan account, such as a credit card from Merrick Bank.
Who does Carson Smithfield collect for?
Carson Smithfield services a variety of clients, primarily in the financial sector. The company is a subsidiary of CardWorks, a leading provider of credit card and consumer loan servicing in the United States. This relationship provides Carson Smithfield with a steady flow of accounts from various credit card companies and financial institutions.
One of the notable creditors that Carson Smithfield collects for is Merrick Bank Corporation. Merrick Bank is known for providing credit cards, especially to those with bad credit history.
Is Carson Smithfield legit or a scam?
Carson Smithfield is a legitimate, licensed debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Carson Smithfield from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Carson Smithfield, LLC Contact Information
Address:
Carson Smithfield, LLC
225 W Station Square Dr.
Pittsburgh, PA 15219
Mailing address:
Carson Smithfield, LLC
P.O. Box 9216
Old Bethpage, NY 11804-9216
Phone number: (877) 394-5975
Should I contact or pay Carson Smithfield?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Carson Smithfield is to work with a credit repair professional. They help remove millions of negative items every year from companies like Carson Smithfield, LLC on behalf of their clients.
Will Carson Smithfield sue me or garnish my wages?
Carson Smithfield has the right to take legal action against you if you refuse or fail to pay a valid debt. However, this is often considered a last resort due to the time and costs associated with pursuing legal action. Generally, they would much rather work out a payment plan or agree to a reduced settlement amount with the debtor.
If Carson Smithfield does sue and win a judgment against you, they might be able to garnish your wages or levy your bank account, depending on your state’s laws.
Carson Smithfield, LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Carson Smithfield, LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Carson Smithfield, LLC to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Carson Smithfield, LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Carson Smithfield, LLC must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Carson Smithfield, LLC cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Carson Smithfield From Your Credit Report Today!
Credit Saint offers assistance with disputing Carson Smithfield accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Credit Saint.
Visit their website or call (855) 281-1510 for more details.
