If Cooling & Winter, LLC is listed on your credit report, it likely means you have an unpaid debt that has been turned over to collections. Here’s what you need to know and how to work toward getting it removed.
Who Is Cooling & Winter, LLC?
Cooling & Winter is both a debt collection agency and a law firm. They are based in Georgia with additional offices in Florida and South Carolina. Their role is to collect unpaid debts on behalf of creditors. When a debt is assigned to Cooling & Winter, it may appear as a collection account on your credit report.
Who Does Cooling & Winter Collect For?
Cooling & Winter primarily collects debts for major financial institutions, including:
- Credit card companies
- Banks and lenders
Some of their known clients include large banks like Bank of America and Capital One. If you’ve fallen behind on payments to one of these institutions, Cooling & Winter may be trying to collect the debt.
Is Cooling & Winter a Scam?
Cooling & Winter, LLC is a legitimate debt collection law firm. They are authorized to collect debts on behalf of their clients. That said, always verify the details of the debt before making payments, as incorrect or outdated information can appear on your credit report.
How to Remove Cooling & Winter From Your Credit Report
Collection accounts can stay on your credit report for up to seven years and may lower your credit score. You can address these accounts by:
- Disputing inaccurate information: If the debt is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
- Requesting debt validation: You can ask Cooling & Winter to prove the debt is yours and confirm the amount.
- Negotiating a pay-for-delete: Some collectors may agree to remove the account if you settle the debt. Always get this agreement in writing.
- Working with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Cooling & Winter?
Before reaching out or making payments, confirm the debt is accurate and still within the statute of limitations. Making payments on old debts can sometimes restart the reporting period, which may further affect your credit.
Many people prefer to work with credit repair professionals to avoid mistakes when handling collection accounts.
Can Cooling & Winter Sue or Garnish Wages?
As both a debt collection agency and a law firm, Cooling & Winter can sue to recover unpaid debts. If they win a court judgment, they may be allowed to garnish wages or take other legal action, depending on state laws.
Lawsuits are often a last resort. Most collection agencies try to resolve debts through settlements or payment plans before pursuing legal action.
Cooling & Winter Contact Information
Georgia Offices:
1090 Northchase Parkway SE, Suite 300
Marietta, GA 30067
1355 Roswell Road, Suite 240
Marietta, GA 30062
Florida Office:
7901 SW 6th Court, Suite 310
Plantation, FL 33324
South Carolina Office:
220 North Main Street, Suite 500
Greenville, SC 29601
Phone: (800) 291-5144 or (770) 988-9055
Complaints About Cooling & Winter
Many debt collection agencies have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints about Cooling & Winter include:
- Incorrect information on credit reports
- Harassment or repeated calls
- Failure to validate debts
If your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use offensive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With Cooling & Winter Collections
Dealing with collection accounts can be overwhelming, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
