Who is Encore Exchange?
Encore Exchange (formerly CCi) is a debt collection agency located in Winston-Salem, North Carolina.
You may see Encore Exchange listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Encore Exchange collect for?
Encore Exchange collects debts for companies in the healthcare industry.
Is Encore Exchange legit or a scam?
Encore Exchange is a legitimate company. However, they may repeatedly spam call, text, or email you.
How can I remove Encore Exchange from my credit report?
Encore Exchange 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 is a professional credit repair law firm that works with people who want to 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
Encore Exchange Contact Information
Address:
Encore Exchange
470 W Hanes Mill Rd #200
Winston-Salem, NC 27105
Phone number: (336) 761-1524
Should I contact or pay Encore Exchange?
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 Encore Exchange is to work with a credit repair professional. They help remove millions of negative items every year from companies like Encore Exchange on behalf of their clients.
Will Encore Exchange 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 quite possible that you will never hear from or have to deal with Encore Exchange again.
Wage Garnishment
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 Encore Exchange to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Encore Exchange 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 Encore Exchange, 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 Encore Exchange
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 collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Encore Exchange 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.
- Encore Exchange may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Encore Exchange 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.
- Encore Exchange cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Encore Exchange From Your Credit Report Today!
Lexington Law can assist you in disputing Encore Exchange 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.
