Who is Prince-Parker and Associates?
Prince-Parker and Associates, Inc. is a debt collection agency located in Charlotte, North Carolina. They engage in the collection of unpaid debts from individuals who have lapsed or defaulted on their financial obligations.
If you have an unpaid bill or a debt that has been sold or transferred to Prince-Parker & Associates, you might notice their name listed on your credit report as a collections account.
Who does Prince-Parker & Associates collect for?
Prince-Parker & Associates caters to a broad spectrum of industries, collecting debts on behalf of various clients. They are experienced in handling debts related to communications, digital and print media marketing, healthcare, internet broadband, satellite, telecommunications, and utilities.
Is Prince-Parker and Associates legit or a scam?
Prince-Parker and Associates is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 Prince-Parker and Associates from my credit report?
Prince-Parker 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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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.
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Prince-Parker & Associates, Inc. Contact Information
Prince-Parker & Associates, Inc.
8625 Crown Crescent Ct Ste 200
Charlotte, NC 28227
Prince-Parker & Associates, Inc.
PO Box 474690
Charlotte, NC 28247-4690
Phone number: (800) 276-2423
Should I contact or pay Prince-Parker and Associates?
It’s best to avoid speaking to a debt collector 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 Prince-Parker and Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Prince-Parker and Associates on behalf of their clients.
Will Prince-Parker and Associates sue me or garnish my wages?
Prince-Parker and Associates, Inc. does have the legal right to file a lawsuit against individuals who fail to pay the debt they owe. If the court rules in their favor, they may be granted a judgment to garnish your wages. However, this is usually a last resort after all other attempts to collect the debt have been exhausted.
Every state has different laws regarding wage garnishment, so the specifics of what might happen in your situation can vary.
Prince-Parker and Associates 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 Prince-Parker and Associates
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, it 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 Prince-Parker & Associates 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.
- Prince-Parker & Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Prince-Parker & Associates 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.
- Prince-Parker & Associates cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Prince-Parker and Associates From Your Credit Report Today!
Credit Saint can assist you in disputing Prince-Parker and Associates debts. 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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