Who is Winn Law Group?
Winn Law Group, APC is a debt collection law firm located in Fullerton, California. If you see them listed on your credit report as a collection account, it typically means you have a bill you did not pay.
Who does Winn Law Group collect for?
Winn Law Group mainly focuses on collecting past-due debts on behalf of original creditors. These could include a range of businesses, such as credit card companies, banks, or other types of lenders, that have been unsuccessful in their own attempts to collect an outstanding debt.
Is Winn Law Group legit or a scam?
Winn Law Group is a legitimate company. However, it’s worth noting that like many debt collection agencies or firms, they may use persistent methods, such as repeated calls, texts, or emails, to contact debtors.
How can I remove Winn Law Group 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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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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Winn Law Group Contact Information
Winn Law Group
110 E. Wilshire Avenue, Suite 212
Fullerton, CA 92832
Phone number: (866) 494-6674 or (714) 446-6686
Should I contact or pay Winn Law Group?
It’s best to avoid speaking to a collection agency 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 a debt collector like Winn Law Group is to work with a credit repair professional. They help remove millions of negative items every year from companies like Winn Law Group on behalf of their clients.
Will Winn Law Group sue me or garnish my wages?
Winn Law Group has the capacity to file a lawsuit against you for the recovery of unpaid debts. If they choose to sue and the court rules in their favor, the judgment could potentially permit them to garnish your wages or take other measures to recover the debt.
Wage garnishment is a legal process in which part of an individual’s earnings are withheld by the employer for the payment of a debt. The rules and protections for wage garnishment vary by state and type of debt. However, it’s important to understand that taking legal action is often a last resort for creditors and their representatives. The process can be time-consuming and expensive.
Winn Law Group 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 Winn Law Group
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 Winn Law Group 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.
- Winn Law Group may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Winn Law Group 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.
- Winn Law Group cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Winn Law Group From Your Credit Report Today!
Credit Saint can assist you in disputing Winn Law Group 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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