Are You Being Called By Carson Smithfield, LLC?

No one deserves to be abused for owing money, but this is what happens to indebted consumers every day. Debt collectors yell at them, make threats, and in general hound them until they pay, declare bankruptcy, or fight for their rights.

Is Carson Smithfield legit?

Carson Smithfield is a legitimate collections agency. Therefore, if they are contacting you regarding an alleged debt it should be taken seriously. The BBB notes that Carson Smithfield was established in 1986 and has had their BBB page opened since 2018. The BBB has awarded Carson Smithfield an A- rating, but the company has not accredited the Carson Smithfield. The BBB also notes that Carson Smithfield is headquartered by a larger collections agency, CardWorks Servicing LLC, so be on the lookout for attempted collections from either entity. Carson Smithfield only discloses its account representative, Jennifer Todd, on their Zoominfo page. However, Zoominfo also notes that Carson Smithfield generates approximately $5 million in annual revenue. Zoominfo also notes that Carson Smithfield has less than 25 employees and is supposedly “committed to maintaining the highest ethical and legal standards while resolving debts in a timely manner.”

Who does Carson Smithfield collect for?

Carson Smithfield provides no information on its collections website regarding their primary collections practices. Instead, the collections company only provides limited information within its “About Us” section. The company states that they are “a post-charge-off collection agency, and a people-centric, compliance-focused organization enabled by data and technology.” The company additionally claims that their mission is “to provide debt repayment solutions on behalf of our clients that inspire consumers to repay their obligations.” Beyond this information, the website only allows those who need to pay off debt to access more information on the site.

However, as a subsidiary of CardWorks Servicing LLC, it can likely be concluded that the debt allegedly owed has some relation to credit cards and revolving products, secured consumer loans, and unsecured consumer loans. CardWorks lists a number of these secured consumer loans noting its collection services within “RV/Marine Loans, Solar Loans, Retail Finance Leases, Powersports Loans, Auto Loans and Leases”. The company additionally lists its unsecured consumer loans as well as “Personal Loans, Marketplace and Online Originated Loans, Retail Finance Loans, Installment Contracts,Small Business Loans, and Home Improvement Loans.”

How many complaints are there against Carson Smithfield?

As of June 2023, there are currently 69 complaints posted in the last 3 years on Carson Smithfield’s BBB page, 19 of which were posted in the last 12 months. Most of those complaints alleged problems with falsifying debt, refusing to respond to or communicate with alleged debtors, and failing to recognize when debt is paid off. Additionally, Carson Smithfield has received 3 reviews on the BBB, amounting to a 1 star rating.

Carson Smithfield Contact information

• Address: P.O. Box 9216 Old Bethpage, NY 11804
• Telephone: (877) 839-4597
• Website: https://www.csfsolutions.com

Can Carson Smithfield sue me or garnish my wages?

Carson Smithfield can sue you or garnish your wages, but only with legitimate reason to do so. The collections company cannot simply make empty threats to sue or garnish your wages, as this would be a violation of federal law. While it is illegal for a debt collection company to take this action, some collections companies will still take advantage of alleged debtors, proceeding to summon them to court and garnish their wages, even if the consumer does not owe the alleged debt. Given this risk, the wisest decision as a consumer or alleged debtor would be to acquire legal help to assist with resolving your case.

Can I sue Carson Smithfield for harassment?

Yes, you can sue Carson Smithfield for harassment. Moreover, you should choose to sue if you wish to enforce your rights and recover money for the collection company’s violation. An attorney can help you utilize the Fair Debt Collections Practices Act (FDCPA) which protects consumers like you, awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. Take advantage of the federal laws that are meant to protect consumers like you, and contact an attorney if you are at risk.

How often can Carson Smithfield Call?

Carson Smithfield can only call within federally designated guidelines. Moreover, there are laws which protect consumers from repetitive phone calls from debt collectors. In November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt

• More than seven times within a seven-day period, or
• Within seven days after engaging in a telephone conversation with you about the particular debt.

However, even if a collector has not not violated this particular portion of federal law, their actions may still be illegal if they are intended to harass, oppress, or abuse you.

How to stop Carson Smithfield calls?

You can stop Carson Smithfield from calling by acquiring professional help. It is wisest to file a complaint first and then obtain assistance from an attorney. Your attorney will inform you that the Fair Debt Collections Practices Act (FDCPA) provides consumers protection from improper collections practices by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. They may add that if they have harassed you, or called you repetitively, you can receive additional protection under the FCRA, the Telephone Consumer Protection Act (TCPA), and the Consumer Financial Protection Act (CFPA). You may have a case if..

• You are receiving multiple calls per week from third party collection agencies.
• You are receiving early morning or late night calls from debt collectors
• You are receiving calls at work from a debt collection agency
• Debt collectors are calling your family, friends, neighbors, or coworkers
• Collectors are threatening you with violence, lawsuit, or arrest
• A debt collector attempts to collect more than you owe
• You are being threatened with negative credit reporting
• A debt collector attempts to intimidate you
• Criminal accusations are being made towards you
• Use of obscene language during an attempt to collect
• Automated robocalls are being made to your phone in an attempt to collect

Can Carson Smithfield hurt my credit score?

Carson Smithfield can hurt your credit score if they have reported your alleged debt to a credit reporting agency. If they have already reported the alleged debt, or you fear that they might, you can remedy the harm by contacting an attorney for assistance. We can help you remove Carson Smithfield from your credit report, or prevent them from reporting debt you do not owe. Contact us today to see how we can help protect you from Carson Smithfield’s wrongful collections practices.

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Carson Smithfield, LLC or any other third-party collection agency, you may not be entitled to any compensation.