Is Southern Credit Adjusters Hurting Your Credit?

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. This debt collector is 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?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

Southern Credit Adjusters, Inc. Contact Information

Address:

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?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Southern Credit Adjusters, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• 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. They have 30 days to prove the debt is yours and the amount is accurate.
• Southern Credit Adjusters cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• The debt collector must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• Southern Credit Adjusters cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Southern Credit Adjusters From Your Credit Report Today!

Credit Saint offers assistance with disputing Southern Credit Adjusters collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.