Who is 09 Tempoe LLC?
09 Tempoe LLC, aka Tempoe Financial, provides no-credit-required leasing options for furniture, appliances, electronics, jewelry, automotive, and mobile phones. They are located in Cincinnati, Ohio.
TEMPOE leasing is an alternative to traditional financing options. You may see 09 Tempoe LLC listed on your credit report as a collections account. This can happen if you’ve defaulted on your lease agreement.
How can I remove 09 Tempoe LLC from my credit report?
09 Tempoe LLC collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional credit repair company that helps people fix their credit.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
Tempoe, LLC Contact Information
720 E Pete Rose Way, Suite 400
Cincinnati, OH 45202
Phone number: (844) 483-6763
Should I contact or pay 09 Tempoe LLC?
If your account is still with Tempoe, it may be best to reach out to customer service to get it taken care of. However, if it has already been sent to collections, there is nothing good can come from contacting a collection agency. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The best way to deal with 09 Tempoe LLC is to contact a professional credit repair company. They delete millions of negative items every year from companies like 09 Tempoe LLC for millions of clients nationwide.
And they may be able to help you too.
Will 09 Tempoe LLC sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the debt with the three major credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with 09 Tempoe LLC again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Tempoe LLC to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.
Is 09 Tempoe LLC hurting my credit score?
The missed payments that led to the collection harm your credit score. A collection account on your credit report further reduces your ability to qualify for new credit.
Debt collectors often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.
When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm your credit score.
Tempoe LLC Complaints
Most collection agencies have numerous complaints filed against them 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 collection agency, 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). You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and 09 Tempoe LLC does too.
Your Rights When Dealing with 09 Tempoe LLC
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Tempoe LLC to report inaccurate or incomplete information on your credit report.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Tempoe LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Tempoe LLC must be honest about who they are and what they are attempting to do. They must notify you that they are a collection agency both orally and in writing.
- Tempoe LLC cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
Avoid the phone. Never talk to a debt collector on the phone. The less they know about you, the better.
Politely tell them it’s your policy to deal with everything in writing. Request a letter with the original debt information and then hang up. If they keep calling, send them a cease & desist letter.
Record their phone calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.
In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you are going to record, and they keep talking, that’s considered giving permission. They will usually hang up.
Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, it’s also best to avoid giving access to your bank account or credit card information.
Don’t apply for new lines of credit. It’s also considered fraudulent to apply for new lines of credit if you are unable to pay your current creditors.
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make 09 Tempoe LLC go away. Ignoring them sets you up for a possible lawsuit.
Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but it’s typically around 4-6 years.
A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.
Remove 09 Tempoe LLC From Your Credit Report Today!
Lexington Law specializes in disputing 09 Tempoe LLC accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable credit repair company to help you with collection accounts and repair your credit, consider working with Lexington Law.
You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
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