Who is Cooling & Winter?
Cooling & Winter, LLC is a multifaceted entity that operates both as a debt collection agency and a law firm. They have a widespread presence, with their headquarters based in Georgia, and additional offices in Plantation, Florida, and Greenville, South Carolina.
Their role as a debt collection agency involves facilitating the repayment of outstanding debts for their clients. If you’ve neglected to pay a bill and the original creditor couldn’t collect the debt, your account may appear on your credit report as a collections account.
Who does Cooling and Winter collect for?
Cooling and Winter, LLC caters to a diverse client base, mainly focusing on debt recovery for banks and credit card companies. Major financial institutions like Bank of America and Capital One are among their clients.
Is Cooling and Winter legit or a scam?
Cooling and Winter, LLC 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 Cooling & Winter 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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Cooling & Winter, LLC Contact Information
Addresses:
Main Office
Cooling & Winter, LLC
1090 Northchase Parkway SE, Suite 300
Marietta, GA 30067
Cooling & Winter, LLC
1355 Roswell Road, Suite 240
Marietta, GA 30062
Florida Office
Cooling & Winter, LLC
7901 SW 6th Court, Suite 310
Plantation, FL 33324
South Carolina Office
Cooling & Winter, LLC
220 North Main Street, Suite 500
Greenville, SC 29601
Phone number: (800) 291-5144 or (770) 988-9055
Should I contact or pay Cooling & Winter?
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 Credit reports can contain errors or list debts that are no longer valid.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 Cooling and Winter is to work with a credit repair professional. They help remove millions of negative items every year from companies like Cooling and Winter on behalf of their clients.
Will Cooling & Winter sue me or garnish my wages?
Whether Cooling & Winter, LLC will sue you or garnish your wages depends on various factors such as the type and amount of your debt, your previous payment history, and the regulations of your state.
Debt collection agencies, including law firms like Cooling & Winter, LLC, can sue debtors for unpaid debts. If they sue you and the court rules in their favor, they may be granted the authority to garnish your wages.
Cooling & Winter, LLC Complaints
Many collection agencies have numerous complaints filed 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 you are being harassed by Cooling & Winter, you should also 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 Cooling & Winter, LLC
Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collection companies don’t take advantage of you. In particular:
- It is a violation of federal law for Cooling and Winter 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.
- Cooling and Winter cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Cooling and Winter 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.
- Cooling and Winter cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Cooling & Winter From Your Credit Report Today!
Credit Saint offers assistance with disputing Cooling & Winter 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.
