Who is Carter-Young?
Carter-Young, Inc. is a debt collection agency located in Conyers, Georgia, United States. They specialize in recovering overdue or defaulted debts for various companies.
You may see Carter-Young listed on your credit report as a collections account. This signifies that you have an unpaid debt that has been transferred to them for collection.
Who does Carter-Young collect for?
Carter-Young operates across a broad spectrum of industries, collecting debts on behalf of businesses and service providers that have found it difficult to retrieve overdue payments from customers. Their clients range from multifamily, student, and military housing providers to healthcare providers, financial service companies, utility companies, and telecommunications providers.
Is Carter-Young legit or a scam?
Carter-Young, Inc. is a legitimate debt collection agency. They are fully authorized to collect on behalf of their clients and are recognized as a legal entity in their industry. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Carter-Young 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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Carter-Young, Inc. Contact Information
Address:
Carter-Young, Inc.
882 N. Main St. NW, Ste 120
Conyers, GA 30012-4442
Phone number: (678) 995-4242 or (888) 995-4242
Should I contact or pay Carter-Young?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 Carter-Young is to work with a credit repair professional. They help remove millions of negative items every year from companies like Carter-Young on behalf of their clients.
Will Carter-Young sue me or garnish my wages?
Carter-Young is entitled to take legal action against you if you fail to pay a legitimate debt. If they do sue and win a court judgment, they might have the legal power to garnish your wages or levy your bank account, subject to the laws in your specific state. However, this is typically a last resort for collection agencies due to the cost and time it takes to go through the legal process.
Carter-Young, Inc. Collection Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collector, you should also 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 Carter-Young, Inc.
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 Carter-Young 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.
- Carter-Young cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Carter-Young 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.
- Carter-Young cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Carter-Young From Your Credit Report Today!
Credit Saint offers assistance with disputing Carter-Young collections. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
