Who is Cooling & Winter?
Cooling & Winter, LLC is a debt collection agency and law firm headquartered in Georgia with locations in Plantation, Florida and Greenville, South Carolina.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Cooling and Winter collect for?
Cooling and Winter, LLC collects debts for banks and credit card companies like Bank of America and Capital One.
Is Cooling and Winter legit or a scam?
Cooling and Winter, LLC is a legitimate company. However, they may repeatedly spam call, text, or email you.
How can I remove Cooling & Winter 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.)
Lexington Law Firm is a credit repair company that helps people fix their credit.
In addition to collections, they can work with 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: (800) 220-0084
Cooling & Winter, LLC Contact Information
Cooling & Winter, LLC
1090 Northchase Parkway SE, Suite 300
Marietta, GA 30067
Cooling & Winter, LLC
1355 Roswell Road, Suite 240
Marietta, GA 30062
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?
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 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?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with the credit bureaus, with the possibility of having it removed from your credit history. It’s also possible that you never hear from or have to deal with Cooling and Winter, LLC again.
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Cooling and Winter law firm to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Cooling & Winter, LLC 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 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Cooling & Winter, LLC
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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Cooling and Winter may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Cooling and Winter 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.
- Cooling and Winter cannot threaten to have you arrested or imprisoned over unpaid debts.
Avoid the phone. Never talk to a debt collector on the phone. The less they know about you, the better.
Politely tell Cooling and Winter it’s your policy to deal with everything in writing. Ask for a letter with details about the original debt, then hang up. If they keep calling, send them a cease and desist letter.
Record their phone calls. If you must deal with a debt collector on the phone, consider recording the conversation. In 35 states and D.C., it’s legal to secretly record phone calls. In the other 15 states, you can record with the other party’s permission. Simply informing the collector of your intention to record may count as permission.
Don’t believe what they say. Debt collectors are notorious for resorting to false threats, deceitful tactics, and any means necessary to coerce you into settling your outstanding debt.
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, bank account and credit card information should be kept private.
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make Cooling and Winter go away. Ignoring them sets you up for a possible lawsuit.
Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. Age limits vary by state, but it’s typically 4 to 6 years.
A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.
Remove Cooling & Winter From Your Credit Report Today!
Lexington Law can assist you in disputing Cooling & Winter collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
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