- nastassia@newchapterfinancialsolutions.com
- 710 Buffalo Street, Suite 208A, Corpus Christi, TX 78401
A debt collector generally is a person or company that regularly collects debts owed to others, usually when those debts are past-due. This includes collection agencies, lawyers who collect debts as part of their business, and companies that buy delinquent debts and then try to collect them. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
The Act covers personal, family, and household debts. This includes money owed on personal credit card accounts, auto loans, medical bills, and mortgages. The FDCPA does not cover debts incurred in running a business.
Within five days after a debt collector first contacts you, the collector must send you a written notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you do not owe the money. If you owe the money or part of it, contact the creditor to arrange for payment. If you believe you do not owe the money, contact the creditor in writing and send a copy to the collection agency informing them with a letter not to contact you.
We work with all three credit bureaus and your creditors to challenge the unfair or inaccurate negative report items that affect your credit score.
Our educational approach and proven technology guide you through the tasks and action items you need to take in order to maintain a healthy score.
We offer 24/7 credit monitoring to keep you aware of the changes on your report and advise about how those reported items affect your score.
It's a wonderful feeling to know you have good credit and can use it when things happen in life, whether it's an emergency or celebration.
In case you are among the 1 in 3 Americans with delinquent debt, it’s worth knowing how debt collection works, understanding your rights and how to get help when you need it.
With New Chapter Financial Solutions, call the collections agency and arrange a payment plan so the delinquent marks roll off your credit report as quickly as possible. It can take up to seven years for your past-due history to disappear completely off your report, but as you work toward settling outstanding debts your score will consistently increase with time.
Even if your debt is already in collections, debt collectors are not allowed to lie to you, threaten you, use obscene language or harass you by phone.
New Chapter Financial Solutions offers tax services to businesses and individuals in the Corpus Christi and Coastal Bend area.
Our certified team is available to answer your tax questions!
© 2023 New Chapter Financial Solutions. All Rights Reserved.
