Who is Capital Accounts, LLC?
Capital Accounts, LLC is a debt collection agency located in Nashville, Tennessee. They specialize in collecting outstanding debts on behalf of their clients.
If you have failed to pay a bill, it is possible that Capital Accounts, LLC may be listed as a collections account on your credit report.
Who does Capital Accounts collect for?
Capital Accounts primarily focuses on collecting debts in the medical, dental, and commercial sectors. This means that they work with healthcare providers, dental clinics, and various businesses to recover unpaid amounts owed by individuals.
Is Capital Accounts legit or a scam?
Capital Accounts is a legitimate company. They are authorized to collect debts 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 Capital Accounts from my credit report?
Capital Accounts 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.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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Capital Accounts, LLC Contact Information
Capital Accounts, LLC
2120 Crestmoor Rd
Nashville, TN 37215
Capital Accounts, LLC
PO Box 140065
Nashville, TN 37214
Phone number: (800) 282-3214
Should I contact or pay Capital Accounts, LLC?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Capital Accounts is to work with a credit repair professional. They help remove millions of negative items every year from companies like Capital Accounts on behalf of their clients.
Will Capital Accounts, LLC sue me or garnish my wages?
Capital Accounts, LLC, like other debt collection agencies, can sue you for the unpaid debt. If they obtain a judgment in their favor, they may be able to garnish your wages depending on your state’s laws. Remember, this does not happen in all cases, and options like negotiating, setting up a payment plan, or seeking legal advice are available to you.
Capital Accounts, 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 a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Capital Accounts, 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 Capital Accounts, 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Capital Accounts may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Capital Accounts must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Capital Accounts cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Capital Accounts From Your Credit Report Today!
Credit Saint can assist you in disputing Capital Accounts collections. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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