Who is Suttell & Hammer?
Suttell & Hammer, PS is a debt collection law firm based in Bellevue, Washington. They are in the business of collecting debts on behalf of other companies.
If you have an unpaid bill, the debt may be transferred or sold to a company like Suttell & Hammer for collection, which could result in their name appearing on your credit report as a collections account.
Who does Suttell & Hammer collect for?
Suttell & Hammer primarily collects on behalf of original creditors. These can include various industries such as credit card companies, banks, or other financial institutions.
Is Suttell & Hammer legit or a scam?
Suttell & Hammer is a legitimate law firm specializing in debt collection. 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 Suttell & Hammer from my credit report?
Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(Though debt collectors may not want this widely known, it’s your right to be informed.)
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Suttell & Hammer Contact Information
Address:
10900 NE 8th St. #605
Bellevue, WA 98004
Mailing address:
Suttell & Hammer, PS
P.O. Box C-90006
Bellevue, WA 98009
Phone number: (888) 788-8355 or (425) 453-3239
Should I contact or pay Suttell & Hammer?
Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 Suttell & Hammer is to work with a credit repair professional. They help remove millions of negative items every year from companies like Suttell & Hammer on behalf of their clients.
Will Suttell & Hammer sue me or garnish my wages?
Suttell & Hammer does have the legal right to sue you for unpaid debts. If they were to 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 firms will choose to sue. The process of taking legal action can be expensive and time-consuming, so often it’s a last resort.
Suttell & Hammer 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 Suttell & Hammer
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 Suttell & Hammer 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.
- Suttell & Hammer cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Suttell & Hammer 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.
- Suttell & Hammer cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Suttell & Hammer From Your Credit Report Today!
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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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