Cooling & Winter

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?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

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 can help you dispute Cooling & Winter collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.