Who is Carter Business Service?
Carter Business Service, Inc. is a reputable debt collection agency based in Danvers, Massachusetts. The agency is specialized in recovering outstanding debts on behalf of various businesses and service providers.
If you find Carter Business Service listed on your credit report as a collections account, it typically indicates that you have an unpaid bill that they are trying to collect.
Who does Carter Business Service collect for?
Carter Business Service offers its debt collection services predominantly to clients in the medical and commercial industries. Their clientele may include hospitals, clinics, private practices, commercial businesses, and more.
Is Carter Business Service legit or a scam?
Carter Business Service is a legitimate company, licensed and authorized to collect unpaid debts on behalf of their clients. They operate within the rules and regulations that govern the debt collection industry. However, as with any debt collection interaction, it’s critical for consumers to confirm the validity of any debts that Carter Business Service claims are owed.
How can I remove Carter Business Service 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 Business Service, Inc. Contact Information
Address:
Carter Business Service, Inc.
150A Andover Street, Suite 12A
Danvers, MA 01923
Phone number: (781) 246-4300
Should I contact or pay Carter Business Service?
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 Credit reports can contain errors or list debts that are no longer valid.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 Carter Business Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Carter Business Service, Inc. on behalf of their clients.
Will Carter Business Service sue me or garnish my wages?
Carter Business Service has the authority to take legal action against you to recover an unpaid debt. This may involve suing you in court. If they are successful in their lawsuit and a judgment is issued against you, they could potentially garnish your wages or levy your bank account, subject to your state’s laws.
However, wage garnishment or legal action is usually a last resort. Before it gets to that point, there are often opportunities to negotiate a payment plan or even a debt settlement. If you believe that the debt is not yours, you also have the right to dispute it.
Carter Business Service, Inc. 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 Carter Business Service, 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 Business Service, Inc. 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 Business Service cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Carter Business Service 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 Business Service cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Carter Business Service From Your Credit Report Today!
Credit Saint offers assistance with disputing Carter Business Service 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.
