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If Hunter Warfield, Inc, is on your credit report, then it means you owe them money. On your credit report, this ‘debt’ is reflected as a collection account, which is not good.
Collection accounts can damage your credit score and can remain on your credit report for up to 7 years. This will hurt your chances of applying for a credit card, receiving a loan with competitive rates, and even impact your employment opportunities.
But, you can remove a collection account from your credit report if you take the right steps and follow or step-by-step guidance.
Additionally, our team assembled this guide to help you remove Hunter Warfield from your credit report. Keep reading to find out how to mitigate the damage and get them off your back once and for all.
Who is Hunter Warfield?
Hunter Warfield, Inc, is a large debt collection agency that specializes in buying consumer debt from third party companies.
This means Hunter Warfield bought your debt for pennies on the dollar and they will turn a profit if they make you pay anything more than what they originally purchased it for.
As you can imagine, Hunter Warfield is notorious for calling consumers, sending letters, and in some cases, threatening you to pay them money.
We get it.
This debt collector is a pain to deal with and scary but keep reading to find out how to remove Hunter Warfield from your credit report.
Is Hunter Warfield a Legitimate Company?
Yes, Hunter Warfield, Inc, is a legit company that is headquartered in Tampa, Florida. Their upbringing began in 2004 when Hunter Warfield was founded in Maryland.
With over 195 employees, Hunter Warfield manages over $1 billion in debt on behalf of their clients, who they either purchase debt from or collect for.
Furthermore, Hunter Warfield is a member of the International Association of Commercial Collections (IACC) and ACA International. These two organizations help establish ethical standards and produce publications for debt collection agencies.
How to Remove Hunter Warfield from Your Credit Report
Let’s cut through the noise. You can remove Hunter Warfield, Inc from your credit report if you follow our step-by-step guide.
1. Hire a Credit Repair Company
Whether you like it or not, you are no credit expert, and the best way to remove Hunter Warfield from your credit report is by hiring a credit repair company.
On your behalf, a credit repair company will handle all correspondence between you and the debt collector, file disputes, and will remove Hunter Warfield from your credit report.
Backed by years of experience, Credit Saint is our top choice when it comes to reputable credit repair companies. Their team of in-house credit experts leverage the Fair Credit Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) to help you deal with Hunter Warfield, Inc.
So, if you are looking for a sure shot way to remove Hunter Warfield from your credit report, then look no further. Hiring a credit repair company is the best thing you can do to quickly deescalate the situation and save your credit.
>> More: Credit Sant Review
2. Debt Validation
According to the Federal Trade Commission (FTC), 1 in 5 consumers have at least one error on their credit report. If you ask me, this is astronomical.
If you do not want to hire a credit repair company (which we recommend), then your next step is to send a debt validation letter. As soon as Hunter Warfield, Inc contacts you, you must submit a debt validation letter within 30-days.
Unfortunately, this strategy is time-sensitive. Make sure to send your debt validation letter in certified mail, this ensures your letter gets to Hunter Warfield, Inc. After you submit your letter, Hunter Warfield should provide documentation and or proof that the debt is in fact yours.
If the debt is yours, then you need to pay it off. Suppose they cannot validate your debt. In that case, Hunter Warfield must contact the three credit bureaus and remove the collection account from your credit report.
3. Negotiate a Settlement
Like we said, if Hunter Warfield can validate your debt, then you need to pay them the money. It sucks, but it is reality. Your next bet is to hire a credit repair company to remove the negative item and begin to take steps to improve your credit.
But if you want to keep trying, then you can negotiate a settlement or negotiate a pay-for-delete agreement. A pay-for-delete deal works just like it sounds.
You pay Hunter Warfield, Inc the money, but in exchange, they agree to delete the negative item on your credit report. Make sure this agreement is documented and signed by both parties. This gives you leverage in case you need to escalate the issue further with a legal action or take it up to the Consumer Financial Protection Bureau (CFPB).
Once you pay Hunter Warfield, follow up with all three credit bureaus and make sure they remove the collection account from your credit report. This is the most crucial step in the whole negotiation process.
Remember, a collection account can stay on your credit report for up to 7-years and will hurt your credit score.
4. Goodwill Deletion
If requesting debt validation or negotiating a settlement fail, then your last option is to ask for a goodwill deletion.
Just like debt validation, asking for a goodwill deletion requires you to submit a letter to Hunter Warfield. In your letter, make sure to include why you were late on the payment or cannot afford to pay it off.
While this strategy rarely works, it is still an option. Those who find success with goodwill letter usually include some hardship they faced. For example, a recent job layoff or an unexpected family emergency that cause financial strain.
Whatever it is, make sure you are 100% honest and transparent. Hunter Warfield reserves the right to ask for supporting documentation before they even consider acknowledge your goodwill deletion request.
Understanding Your Consumer Your Rights
Do you want to know a secret? Debt collectors hate when consumers know their rights.
It restricts them from applying maximum pressure and turning to intimidation tactics to collect money.
The Fair Debt Collection Practices Act (FDCPA) was enacted by Congress and signed into law to protect consumers from debt collectors and their aggressive actions.
According to the FDCPA, debt collectors cannot:
- Call you after you explicitly tell them to stop.
- Call you outside of ‘working hours.’ So, they can’t call you before 8 AM or after 9 PM.
- Use Explicit Language.
- Make false claims or misrepresent information
- Deny Debt Validation request within the 30-day time frame
- Employ intimidating tactics to collect the debt.
As you can see, the FDCPA protects you. Leverage your knowledge to stop the harassing calls and to deal with Hunter Warfield debt collection.
Hunter Warfield Consumer Complaints
It is honestly impressive how many complaints Hunter Warfield has gotten. To date, they have over 2,000 complaints with the Consumer Financial Protection Bureau (CFPB) and another 550 with the Better Business Bureau.
Consumers complained about inaccurate reporting and harassment. Additionally, some consumers complained that Hunter Warfield did not validate their debt.
This reaffirms our opinion that the best course of action is for you to hire a credit repair company.
These credit professionals will hold Hunter Warfield accountable for their actions.
Hunter Warfield Contact Information
If you have any questions, here is their contact information.
- Mailing Address: 4620 Woodland Corporate Blvd. Tampa, FL 33614
- Phone Number: (888) 486 – 8927
Remember, the best thing to do is communicate with Hunter Warfield via certified mail.
Frequently Asked Questions
Can You Remove Hunter Warfield Collection Accounts?
Yes, you can remove Hunter Warfield, Inc collection accounts from your credit report. Whether you hire a credit repair company, negotiate a pay-for-delete, request debt validation, or ask for a goodwill deletion, you have options. The quickest and safest way to remove Hunter Warfield from your credit report is by hiring a credit repair company.
Who Does Hunter Warfield, Inc Collect Debt for?
Hunter Warfield is one of the largest debt collectors in the United States. They collect debt for:
- Healthcare Companies
- Funeral Care
- Financial Services
- Commercial Debt Collection
They partner with a diverse set of clients and collect debt on their behalf. However, Hunter Warfield also buys debt from companies and turns a profit when they get you to pay.
Should I Negotiate a Settlement of Pay Hunter Warfield Collections?
Only pay Hunter Warfield if they agree to remove the negative item from your credit report.
If they do not, then you are stuck with a negative item on your credit report for 7-years. This will hurt your credit score and damage your personal finances.
Will Hunter Warfield, Inc Sue Me, or File a Lawsuit?
While it is unlikely that Hunter Warfield will sue, they legally can sue you in civil court. Any debt collection agency can sue a consumer for not making a payment. But it depends on the statute of limitations.
If your statute of limitations expired, then Hunter Warfield cannot sue you. This means they must cease all legal action and cannot sue you. However, this does not mean you do not have to pay them. You still do.
Can Hunter Warfield Collections Garnish My Wages?
Again, this is an unlikely situation, but Hunter Warfield can and will garnish your wages if they need to escalate the problem to ensure you pay them.
If you are afraid of Hunter Warfield collections from either suing you in civil court or garnishing your wages, then seriously consider hiring a credit repair company.
They will protect your rights and make sure Hunter Warfield stays within their legal boundaries.
How Did Hunter Warfield Get My Phone Number?
Within the debt collection industry, it is common for debt collectors to buy and sell debt. If Hunter Warfield bought your debt, then all information associated with that debt was also included.
This means they got your phone number, mailing address, and potentially some other personal information.
Bottom Line: Hunter Warfield Debt Collections
Undeniably, dealing with Hunter Warfield is a nightmare. Follow the steps we outlined above, and you will successfully get them off your back and remove them from your credit report.
It is essential to act quickly because a bad credit score can make it hard for you to open a bad credit checking account, apply for a credit card, or receive a loan.
The last thing you want to do is have “Hunter Warfield” remain on your credit report for 7-years.