Exeter Finance must be honest about who they are and what they are attempting to do.Exeter Finance may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate. Send the collection agency a debt validation letter. You have a legal right to request debt validation on an alleged debt.It is a violation of federal law for Exeter Finance to report inaccurate or incomplete information on your credit report.In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. There are strict regulations about what a debt collector can and cannot do in the United States. Your Rights When Dealing with Exeter Finance Corp Lexington Law knows that you have rights, and Exeter Finance does too. You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). If a debt collector is harassing you, you may want to consider filing a complaint. Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). It is also illegal for Exeter Finance Corp to make any claims they cannot or will not follow through on-this includes threatening to sue you or foreclose on your home. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
Some states allow wage garnishment, while others do not. It’s also quite possible that you may never hear from or have to deal with Exeter Finance Corp again.Ĭall Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores. They will help you dispute the collection account with the credit bureaus and possibly get it removed from your credit report. It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. Will Exeter Finance sue me or garnish my wages? They have deleted millions of negative items from companies like Exeter Finance for millions of clients nationwide.Īnd they can help you too.
Exeter finance professional#
The best way to handle this is to work with a professional credit repair service.
Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re sure that it’s legit. So instead of helping your credit, it could make it worse. And making payments on the collection account will reset the clock. Nothing good can come from speaking to a collection agency on the phone. Phone number: (800) 321-9637 Should I contact or pay Exeter Finance? In addition to collections, Lexington Law can also help you remove other inaccurate information such as inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, liens, and bankruptcies from your credit report.Ĭall Lexington Law now to learn more: (800) 220-0084 Exeter Finance Corp Contact Information Lexington Law is a professional credit repair company that helps people fix their credit.
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