Carson Smithfield

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?

Carson Smithfield 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.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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 Carson Smithfield, LLC

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Carson Smithfield, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Carson Smithfield, LLC 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.
• Carson Smithfield, LLC cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Carson Smithfield From Your Credit Report Today!

Credit Saint can assist you in disputing Carson Smithfield accounts. 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 looking for a reputable company to help you with collection accounts and repair your credit, consider working with Credit Saint.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.