Who is Hunt & Henriques?
Hunt & Henriques is a debt collection agency located in San Jose, California. They are tasked with mediating between debtors and creditors to recover unpaid debts.
If you have an unpaid bill, you may find Hunt & Henriques listed on your credit report as a collections account.
Who does Hunt & Henriques collect for?
Hunt & Henriques primarily focuses on collecting credit card debt on behalf of numerous large credit card issuers in the industry.
Is Hunt & Henriques legit or a scam?
Hunt & Henriques 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 Hunt & Henriques 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.)
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Hunt & Henriques Contact Information
Hunt & Henriques
Attorneys at Law
151 Bernal Road Suite 8
San Jose, CA 95119
Phone number: (800) 680-2426
Should I contact or pay Hunt & Henriques?
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 Hunt & Henriques is to work with a credit repair professional. They help remove millions of negative items every year from companies like Hunt & Henriques on behalf of their clients.
Will Hunt & Henriques sue me or garnish my wages?
Hunt & Henriques has the legal capacity to initiate a lawsuit against individuals to recover unpaid debts. If a lawsuit is pursued and they secure a judgment in their favor, it could potentially result in wage garnishment as a method to collect the owed debt. However, it’s important to note that such measures are typically considered a last resort in the debt recovery process.
Hunt & Henriques 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 a debt collector is harassing you, you may want to 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 Hunt & Henriques
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 Hunt & Henriques 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.
- Hunt & Henriques may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Hunt & Henriques 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.
- Hunt & Henriques cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Hunt & Henriques From Your Credit Report Today!
Credit Saint can assist you in disputing Hunt & Henriques 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.
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