Cooling & Winter


Is Cooling & Winter hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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.

Cooling & Winter, LLC Contact Information


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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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 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. 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.

Remove Cooling & Winter From Your Credit Report Today!

Credit Saint can assist you in disputing Cooling & Winter 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.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.