You received a letter in the mail or a phone call from a company called Hunter Warfield. It’s not a fun experience. This company only contacts people who they believe have an account in collections.
Collection accounts can be extremely damaging to your credit report. So if your first thought is to see how you can deal with Hunter Warfield and possibly get them removed from your credit report, you’re in the right place.
Getting a collection account removed is not easy, but it’s also not impossible. That said, you want to know exactly who you’re dealing with when you start the process.
What Is Hunter Warfield?
Hunter Warfield is a collections agency based out of Tampa, Florida. They specialize in revenue recovery and risk-mitigating services.
The company has been in business for 15 years and the are not accredited on the Better Business Bureau but have a ‘B’ rating.
What’s alarming is that they’ve had 495 complaints to the BBB during the past 3 years. Some of those complaints are from people stating the company has not stopped reporting a debt they don’t own to the major credit bureaus.
Other consumers say they’ve been receiving harassing phone calls from Hunter Warfield about debt they may owe.
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Hunter Warfield specializes in collecting rent, commercial debt, funeral bills, medical debt, and credit card debt. Harassment of any kind is never okay whether you owe debt or not.
So let’s talk about how to get this company off your back first so you can have some breathing room.
How To Stop Hunter Warfield Phone Calls
Is Hunter Warfield calling you frequently? Sometimes, debt collection agencies cross the line and make tons of phone calls as an attempt to scare you into paying off the debt and being afraid to ask questions.
It’s important to understand that you have rights under the Fair Debt Collections Practices Act. The FDCPA was created to help regular collection agencies and protect consumer rights.
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Under this act, companies like Hunter Warfield:
- Can not threaten you or lie to you when discussing a debt
- Call you before 8 am or after 9 pm in your time zone
- Arrest you or throw you in jail
- Call you at all if you request to communicate only in writing
Know that you do not have to deal with harassing calls that lead nowhere. To stop Hunter Warfield phone calls, bring up the Fair Debt Collections Practices Act next time you speak to someone from the company and clearly state how you wish to be contacted moving forward.
Realize that stopping calls from Hunter Warfield will not automatically make the debt go away. To explore your options with possibly removing Hunter Warfield from your credit report and settling the debt, here are some steps you can take.
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48% of credit repair customers saw a 100 point or more credit score increase after 6 months.
Request That The Debt Be Verified
If Hunter Warfield calls you or sends a letter stating you owe a debt, ask to have it verified before doing anything else. Mistakes happen all the time and there have been too many complaints about Hunter Warfield trying to collect debt that some people don’t even owe.
You have a right to request a debt validation and the company must respond in 30 days. They must show proof that you owe the debt or else they have to remove it from your credit report.
Make sure you mail your debt validation letter to the company by certified mail and don’t just request it over the phone. Hunter Warfield should be able to prove they own your account now and can legally collect debt. If not, they have no legal grounds to require payment from you.
Check The Statute Of Limitations
This a small loophole that may work out of your advantage but you shouldn’t depend on it. Some types of debt have a statute of limitations meaning they may not be able to collect debt from you after a certain period of time.
Be sure to check the statute of limitations for the debt you have with your state to confirm this. Sometimes, debt collectors come out of nowhere demanding payment for an account that is several years old.
It’s important to make sure you verify whether they have to right to ask for payments from you in the first place.
Negotiate A Pay For Delete
If Hunter Warfield can verify that you do owe the debt and the statute of limitations does not apply, there’s still a chance you can work with them to get the collection account removed from your credit report.
One option is to negotiate a pay for delete agreement where you’d settle on an amount to pay off the debt and close the account. In exchange, Hunter Warfield will remove the negative mark from your credit report.
Pay for delete arrangements are a little tricky to work out because ideally, you’ll want to get the agreement in writing. Check out these sample pay for delete agreement templates to help you draft your letter.
Some debt collectors will not agree to a pay for delete or they may not agree to in writing at least. Still, it’s still worth a try to ask and negotiate a settlement.
If you can’t afford to pay the full debt off, the collection agency may be interested in working with you and collecting some of the money instead of none at all.
Another option you may want to consider is hiring a credit repair company to help you. Credit repair companies like Lexington Law allow you to work with trained professionals who can negotiate on your behalf.
They have experience working with debt collection companies so for a reasonable fee, you can get closer to settling what you owe and getting Hunter Warfield removed from your credit report.
Can Hunter Warfield Sue You For Unpaid Debt?
Yes, it’s possible. Some debt collection companies can sue you for unpaid debt, but with Hunter Warfield this is unlikely.
I haven’t found any consumer complaints about this company suing borrowers or trying to garnish their wages. Still, this is often a possibility when dealing with a debt collection agency.
To avoid getting to that place, make sure you understand and exercise your rights as a consumer. Verify that the debt is actually yours and be proactive when negotiating and settling to get the negative mark removed from your credit report.
Realize that removing a negative account could boost your credit score by 150 points. This is certainly worth taking the time and effort to follow the steps outlined above.
*Study found 48% of professional credit repair clients who stuck with their service for 6+ months saw an average of 100+ points to their credit score. Source.