Who is Capital Link Management?
Capital Link Management, LLC is a debt collection agency located in Amherst, New York. They operate in the debt recovery industry, assisting businesses in retrieving owed funds from delinquent accounts.
If you’ve neglected or failed to settle a bill, you might find Capital Link Management appearing on your credit report as a collections account.
Who does Capital Link Management collect for?
Capital Link Management collects debts across various sectors. These include consumer debts, such as those from goods, services, or credit, and commercial debts from business-related transactions.
They also manage DDA-related matters, possibly involving overdraft fees and bounced checks. Furthermore, they deal with unpaid installment loans and recover debts from healthcare providers and telecom companies.
Is Capital Link Management legit or a scam?
Capital Link Management 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 Link Management 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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Capital Link Management, LLC Contact Information
Address:
Capital Link Management, LLC
100 Corporate Pkwy Ste 106
Amherst, NY 14226
Phone number: (855) 797-6909
Should I contact or pay Capital Link Management?
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 Credit reports can contain errors or list debts that are no longer valid.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 Capital Link Management is to work with a credit repair professional. They help remove millions of negative items every year from companies like Capital Link Management on behalf of their clients.
Will Capital Link Management sue me or garnish my wages?
If you owe a debt to Capital Link Management and fail to make a payment, it’s theoretically possible that they could choose to sue you to recoup the debt. If they win a judgment against you in court, they may have the right to garnish your wages, depending on your state’s laws. However, this is usually a last resort for most debt collectors.
Capital Link Management, 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 Capital Link Management
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 Capital Link Management 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.
- Capital Link Management cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Capital Link Management 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.
- Capital Link Management cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Capital Link Management From Your Credit Report Today!
Credit Saint offers assistance with disputing Capital Link Management collection accounts. 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.
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