Who is Southern Credit Adjusters, Inc.?
Southern Credit Adjusters, Inc. is a debt collection agency based in Rocky Mount, North Carolina. They operate by purchasing or acquiring debt from original creditors who have been unsuccessful in obtaining payment.
If you owe money to a company and haven’t been able to pay it, you may find Southern Credit Adjusters, Inc. listed on your credit report as a collection account.
Who does Southern Credit Adjusters collect for?
Southern Credit Adjusters, Inc. specializes in collecting delinquent accounts for various entities such as hospitals, physicians, businesses, schools, and retailers.
Is Southern Credit Adjusters legit or a scam?
Southern Credit Adjusters is a legitimate company. They are authorized to collect debts on behalf of their clients. However, if you’re contacted by them, it’s crucial to verify any debts they claim you owe before making any payments.
How can I remove Southern Credit Adjusters 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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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.
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Southern Credit Adjusters, Inc. Contact Information
Southern Credit Adjusters, Inc.
2420 Professional Dr. # A
Rocky Mount, NC 27804
Phone number: (252) 977-0125 or (866) 851-6377
Should I contact or pay Southern Credit Adjusters?
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 Southern Credit Adjusters is to work with a credit repair professional. They help remove millions of negative items every year from companies like Southern Credit Adjusters, Inc. on behalf of their clients.
Will Southern Credit Adjusters sue me or garnish my wages?
Southern Credit Adjusters, like any debt collection agency, has the legal right to sue you for unpaid debts. If they win a judgment against you in court, they might be able to garnish your wages, levy your bank account, or employ other legal methods to recover the debt, depending on the laws in your specific jurisdiction.
However, not all debts are eligible for these actions, and not all collection agencies will choose to sue. The process of going to court can be expensive and time-consuming, so it is often a last resort.
Southern Credit Adjusters, Inc. 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 Southern Credit Adjusters, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Southern Credit Adjusters 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.
- Southern Credit Adjusters may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Southern Credit Adjusters 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.
- Southern Credit Adjusters cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Southern Credit Adjusters From Your Credit Report Today!
Credit Saint can assist you in disputing Southern Credit Adjusters 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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