Carter Business Service

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?

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.

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?

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 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

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 Carter Business Service, Inc.

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Carter Business Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Carter Business Service 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.
• Carter Business Service cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Carter Business Service From Your Credit Report Today!

Credit Saint can assist you in disputing Carter Business Service collection 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 tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

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.