Who is Time Warner Cable Collections?
Time Warner Cable Collections is a cable television company in the US. It was acquired by Charter Communications in 2016 which then rebranded as branded as Charter Spectrum.
If you see Time Warner Cable Collections on your credit report as a collections account, it generally implies that there was a past due balance on a Time Warner Cable (now Charter Spectrum) account associated with you.
How can I remove Time Warner Cable Collections 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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Spectrum Contact Information
400 Atlantic Street
Stamford, CT 06901
Phone number: (833) 267-6094
Should I contact or pay Time Warner Cable Collections?
If your account is still with Spectrum, it’s best to work out a payment plan with them. However, if it’s been sent to collections, you may not want to pay it. 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 a collection agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Time Warner Cable Collections on behalf of their clients.
Will Spectrum sue me or garnish my wages?
In general, Spectrum (formerly Time Warner Cable) will primarily attempt to collect unpaid bills by contacting you directly through calls, emails, or letters. If these efforts fail, they may send your account to a third-party debt collection agency. It’s more typical for Spectrum or its debt collection partners to pursue debt repayment through these methods rather than filing a lawsuit.
However, if the debt is substantial and remains unpaid for an extended period, Spectrum or the collection agency acting on their behalf could potentially file a lawsuit to recover the money owed. If they win the case, the court could issue a judgment against you, which could lead to wage garnishment or other means to secure payment depending on the laws of your state.
Time Warner Collection Agency 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 Charter Communications / Time Warner Cable
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 Charter Communications 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.
- Charter Communications may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Charter Communications 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.
- Charter Communications cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Time Warner Cable Collections From Your Credit Report Today!
Credit Saint can assist you in disputing Time Warner Cable Collections 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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