Is Computer Credit, Inc.calling you ceaselessly? Computer Credit, Inc. is most likely calling you because you have fallen behind on your monthly debts and as a collection agency, it is their duty to collect it. It is; however, not permitted for them to start calling you every day at all hours, as endless calls can cause an incredibly disruptive and stressful experience. Furthermore, if the debt collectors representing Computer Credit, Inc. are rude or intimidating, and they involve outside parties such as friends and family (who are not your spouse, parents, or co-signor) in your alleged debt case, they have crossed the line. Don’t get stressed out by pesky debt collectors and their shady practices. You have rights no matter how much you owe, and we can help you fight for them.
Are you afraid of facing wage garnishment? This is what you should know
Computer Credit, Inc. is not permitted by law to scare or threaten you with wage garnishments or a court case they do not intend to file. However, if you have already been sued over your unpaid debt, you are facing a court judgment, which could mean the garnishment of your paycheck. If you currently face this quagmire, now is not the time to delve into the complicated world of debt collection; call a free A+ accredited lawyer on 844-791-1990.
The collection company who has filed this lawsuit against you over your unpaid medical, credit card or other bill has a lawyer, the judge that will preside over the case is also a lawyer. It is thus inadvisable to walk into this process without your own lawyer. Collection law can be quite tricky, but we are on your side to help you win.
The court system further has no obligation to help you and will often stand idle while you make a deal that may harm your future finances. Let us fight for you to ensure that you get the best possible judgment. Call us today.
About Computer Credit, Inc.
Computer Credit, Inc. is a third-party debt collector located in Winston Salem, North Carolina. Computer Credit, Inc. is a debt collection agency.
470 W Hanes Mill Rd Ste 200
Winston Salem, NC 27105-9102
Phone: (336) 761-1524
Your rights under the FCRA.
The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection of consumers’ credit information and access to their credit reports. The FCRA stipulates that you must be told if information in your credit report file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.
Under the Fair Credit Reporting Act, you also have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency. You will be required to provide proper identification, which may include your Social Security number to avoid fair credit acts violations.
Furthermore, you reserve the right to ask for your credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
Debt collection Agencies, Creditors, and Credit Reporting Agencies must respect your rights according to federal law. If you suspect that your rights are being violated, reach out to us on 844-791-1990.
Your Rights under the TCPA
In response to the complaints of consumers, the FCC established laws which stipulate that a telephone solicitation representative must provide:
- His or her name
- The name of the person or entity on whose behalf the call is being made
- A telephone number or address at which that person or entity can be reached
The law also bans telephone representatives from making solicitation calls to your home before 8 am or after 9 pm. It also requires telemarketers to comply with your request to not be contacted again.
The TCPA does not permit the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines. The act also bans auto-dialers and artificial or prerecorded voice messages programmed to contact your pagers or cellular phones. Calls for which a charge is made to the receiving entity are also not permitted. Anyone using an auto-dialer or an artificial or prerecorded voice message to call you must also state their identity at the beginning of the message and give their address and phone number during the call.
Finally, the act restricts sending unsolicited advertisements by fax to anyone without their prior consent. If the Telephone Consumer Protection Act is violated then you may be entitled to $500 in damages for each violation.
Your Rights under the FDCPA
You may have a case against Computer Credit, Inc. if they have violated your FDCPA rights in any of the following ways:
- If debt collectors call you repeatedly or ceaselessly, they are not acting in accordance with phone harassment laws. The FDCPA considers repeat calls from debt collectors, amounting to the excess of 7 times a day as a case of harassment.
- If debt collectors call you before 8:00 am or after 9:00 pm, it may also be considered as a case of telephone harassment.
- If debt collectors are rude or hurl offensive, obscene, profane, or abusive words at you. the use of such words in customer relations is considered harassment. You are allowed to report such abusive phone calls to the police.
- If debt collectors demand that you pay interest, fees, or any other expenses that are not stipulated by law. The collector is not permitted to include any extra fees that your original credit or loan agreement does not allow.
- if the collector asks you to pay an amount in excess of what you owe. Misinterpretation of the loan amount is a mistake not permitted on the part of the collector.
- Debt collectors are not allowed to threaten to sue you, harm you, or destroy your credit. Making such threats is considered an act of harassment.
- Collectors are not permitted to threaten you with an action they can not or will not take; thus, they can’t threaten to sue or file charges against you, garnish wages, take your property, cause job loss, or ruin your credit, as this goes against phone harassment laws.
- If debt collectors keep calling the wrong person repeatedly, they are not acting in accordance with phone harassment laws.
- If the collector fails to notify you of your right to dispute the debt, they have erred on the side of phone harassment laws.
- Information about your debt is to be kept within relevant authorities. If debt collectors illegally inform a third party about your alleged debt, they have violated the FDCPA. They are only permitted to reveal such information to a third party if you have expressly given them permission. The only people authorized to receive information about your debt are your attorney, the creditor, the creditor’s attorney, a credit reporting agency, and your spouse or parent(s) (in cases of minors).
What next after you have been contacted by Computer Credit, Inc.?
After Computer Credit, Inc. has called you, you have a range of options available to you regarding what step to take towards settling the alleged debt. Sadly, many people are unaware of the range of options open to them, and many debt collection agencies fail to inform people of their choices.
The first step to take after you have been contacted by Computer Credit, Inc. is to request a written statement containing all the necessary information regarding the alleged debt. You have only five days (counting from the day that you received the first phone call) to do this. When you have received the written statement containing all the information about your debt, you have a choice to dispute the debt with the three credit bureaus. This can get some or all of your debt waived and eliminate the debt from your credit report. It is additionally advisable to seek legal advice.
Computer Credit, Inc. is often referred to or searched for by other names. These include:
Computer Collections; CCI
About this site (Telephone Harassment)
Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms and Original lenders. We also encourage consumers to share their experience dealing with collection harassment, legal threats or excessive phone calls to help prepare others for the kind of treatment they are likely to receive. We alert consumers of scams and notify them about the harassment and scare tactics that many collection agencies employ, many of which are against phone harassment laws.
Call us now on 844-791-1990
Computer Credit, Inc. may be contacting you from the following numbers:
Computer Credit, Inc. BBB Information
BBB file opened: 8/31/1972
Consumer Rights Law Firm Center BBB information
BBB Rating: A+