Resolve Debt With Carter Young Collections: Your Action Plan
Carter Young Collections has poor reviews but you can resolve your debt effectively. Always verify the debt first, then negotiate a settlement in writing. If sued, respond within your state's deadline to protect your rights.
Answer the LawsuitGetting calls from Carter Young Collections? You have rights and options.
The debt collection agency operates from Monroe, Georgia. They collect for student housing, medical facilities, and apartment complexes.
Carter Young Collections Sued You?
You have 14-30 days to respond to the lawsuit. File an Answer now to challenge their claims and protect your wages from garnishment.
Respond to LawsuitYou can resolve your debt without stress. Here’s how to handle Carter Young Collections the right way.
About Carter Young Collections
Carter Young Collections specializes in debt collection across multiple industries. Their focus includes student housing, multi-family properties, and medical debt.
Contact Information
- Phone: (888) 995-4242
- Toll-free: (678) 995-4242
- Email: customerservice@carter-young.com
- Address: 120 2nd St. 2nd Floor, Monroe, GA 30655
- Mailing address: PO Box 1046, Monroe, GA 30655-1046
Consumer Reviews and Complaints
Carter Young Collections holds BBB accreditation since 2015. Their BBB rating stands at 1 out of 5 stars.
Google reviews show an average of 2.8 out of 5 stars. The BBB received over 100 complaints in three years.
The Consumer Financial Protection Bureau logged nearly 250 complaints during the same period. Many consumers report communication issues and verification problems.
Verify Your Debt First
Never pay a debt collector without verification. You have 30 days to request proof.
Send a Debt Validation Letter immediately after first contact. Our partner Solo can help you create one quickly.
What Carter Young Must Provide
Federal law requires debt collectors to verify debts. Carter Young Collections must send you:
- The exact amount you allegedly owe
- The name of the original creditor
- Proof that the debt belongs to you
- Information about disputing the debt
- The original creditor’s contact information
The collector must stop all collection activity until verification arrives. If they can’t verify the debt, they must cease collection permanently.
Real-World Example
Jamie received calls about an old dorm debt. She believed the bill was already paid.
She sent a Debt Validation Letter through our partner Solo. Carter Young investigated and confirmed the debt was paid.
The collection calls stopped immediately. No payment was necessary.
Negotiate a Settlement
Debt validation confirmed the debt is yours? You can still negotiate.
Debt collectors often accept less than the full amount. Carter Young Collections may offer several options.
Contact Carter Young in Writing
Always communicate through written channels. Email or certified mail creates a paper trail.
Explain your financial situation honestly. Hardship often leads to better settlement terms.
Settlement Strategies That Work
Propose a lump-sum payment for less than you owe. Many collectors accept 30-50% of the original debt.
Can’t afford a lump sum? Request a payment plan instead. Make sure monthly payments fit your budget.
Never agree to terms you can’t maintain. Broken payment plans hurt your negotiating position.
Get Everything in Writing
Verbal agreements mean nothing in debt collection. Demand a written settlement agreement before paying.
Your agreement should include:
- Total settlement amount
- Payment schedule and due dates
- Statement that payment satisfies the debt
- Agreement to stop collection activity
- Confirmation of credit reporting updates
Review every detail before signing. Keep copies of all documents forever.
Respond to a Lawsuit From Carter Young
Carter Young Collections can sue you for unpaid debt. Ignoring a lawsuit guarantees you’ll lose.
You have 14-30 days to respond (depending on your state). Our partner Solo helps you file an Answer quickly.
An Answer disputes the collector’s claims. You can challenge the debt amount, ownership, or validity.
Filing an Answer forces the collector to prove their case. Many lawsuits get dismissed due to lack of evidence.
Protect Your Credit Report
Debt collection damages your credit score. Settlement or payment should improve your report.
Check your credit report 30 days after settlement. Verify Carter Young updated their reporting correctly.
The account should show as “paid” or “settled.” Dispute any inaccuracies with credit bureaus immediately.
Collection accounts remain on reports for seven years. Paying the debt stops additional damage.
Know Your Rights Under Federal Law
The Fair Debt Collection Practices Act protects you. Collectors cannot harass, threaten, or deceive you.
Prohibited Collection Tactics
Carter Young Collections cannot:
- Call before 8 AM or after 9 PM
- Contact you at work if you ask them to stop
- Discuss your debt with family, friends, or employers
- Threaten arrest or legal action they won’t take
- Use profane or abusive language
- Call repeatedly to harass you
Document every violation. You can sue collectors who break the law.
Report violations to the Consumer Financial Protection Bureau. File complaints with your state attorney general.
Take Action Now
Ignoring Carter Young Collections won’t make the debt disappear. Collectors can sue and garnish your wages.
Start with debt validation. Confirm the debt is yours and accurate.
Negotiate a settlement you can afford. Get written confirmation before paying anything.
Respond to lawsuits within your state’s deadline. Missing the deadline means automatic judgment against you.
Check your credit report after resolution. Make sure Carter Young reports your payment correctly.
You have more power than you think. Debt collectors need your payment more than you need their approval.