How to Stop BW Consulting Debt Collector with the Help Of DoNotPay
With close to 70 million American adults with debts in collections, it's easy to see why debt collectors have become the new-age boogeyman. is just one of them. If you fall just 30 to 90 days behind on your bill payments, you will likely hear them.
It's not just the debts that are scary, but also the tactics used by some of these . But that doesn't mean you can't fight back. If you're facing a debt collector, DoNotPay can help. Read on to find out how.
What is the FDCPA?
The Fair Debt Collections Practices Act is one of the most critical legislation for Americans in debt collection. The act protects consumers from unfair and illegal debt collection practices, which most third-party collection agencies are known for. The act has been active since 1978 and details, among other things, how to deal with debt collectors, the statute of limitations of debts, and when the debt collector can take you to court.
The FDCPA covers most private debts as long as they are not incurred for business reasons like:
- Student debts
- Medical debts
- Internet/payday loans
- Mortgage loans
- Auto loans
For the FDCPA to kick in, the debt must be handled by a debt collector. Also, child support, alimony, parking, and speeding tickets, among other debts not incurred voluntarily, are not covered by the FDCPA.
The act is enforced by the Federal Trade Commission, aided by other financial regulatory agencies, which can enforce it on behalf of the institutions under their supervision.
What is BW Consulting Debt Collectors, and Where Is It Based?
BW Consulting, also called Berlin-Wheeler, was founded in 1951 and incorporated in 1961, according to the Better Business Bureau. Additional contact information includes:
|Company||BW Consulting Debt Collector (https://www.berlinwheeler.com/)|
2942 SW Wanamaker Dr #200, Topeka, KS 66614, United States
|Phone Number||+1 785-271-1000|
|Email or Contact Formfirstname.lastname@example.org|
Is BW Consulting Debt Collector Legitimate?
Yes, BW Consulting Debt Collector is a legitimate company. It might show up on your credit as Berlin-Wheeler or simply BW. It's also important to note that people pretend to be from BW and send threatening messages. Always insist on contacting them through email and check for the said debt on your credit report.
Your Rights When Dealing with BW Consulting Debt Collector
Every third-party debt collector, BW Consulting Debt Collector included, should adhere to the guidelines of the FDCPA. There might be additional regulations depending on your state. These guidelines have highlighted your rights as a consumer. These include:
- The right to get a debt validation letter within five days.
- Protection from calls during odd hours or during business hours.
- The debtor shouldn't share your financial details with third parties.
- If you prefer, you can have the debt collector communicate with your attorney if you have one.
How To Respond to BW Consulting Debt Collectors
Knowing how to respond when contacted by a debtor is crucial. Some important steps to take when responding to debt collectors include:
- Identify the debt collector and their full contact information
- Validate the debt, including any interests and collection costs
- Determine the original credit
- Confirm that the debt doesn't belong to someone else.
- Enquire when the debt was incurred.
- Proceed to request more information.
- Write a dispute letter if you're sure the debt isn't yours.
- Determine ground rules for when the debt collector can contact you.
How to Remove Collections Off Of Your Credit Report
There are three ways you can remove a collections record from your credit report:
- Dispute the debt if it is inaccurate or outside the statute of limitations.
- If you have paid the debt, request a goodwill deletion.
- Wait for about seven years when it falls off your credit report.
Alternatively, you could use the Clean Credit Report application from DoNotPay to remove the record.
How to Stop Debt Collectors On Your Own
It's possible to stop a debt collector on your own, but the process can be frustrating. Here are a few tips that can help:
- Verify the debt and request the debt collector to get in touch through writing.
- Verify the details in the debt validation letter.
- If the debt isn't yours, file a debt verification report
- You can ignore the letter if the statute of limitation window is closing in.
If you verify the debt is yours:
- Pay it off
- Ask the debt collector not to contact you anymore. The debt collector might file a lawsuit at this point.
- Indicate how and when you want the debt collector to call you, or ask them to contact your lawyer.
- Report them to the CFPB if there are any unethical debt collection practices.
How To Stop Debt Collectors with the Help of DoNotPay
Rest assured, stopping a debt collector on your own is a lengthy and frustrating process. But DoNotPay has the tools to make it easier and increase your chances of success. Just follow these simple steps;
- Search “debt collection” on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.
And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.
DoNotPay Works Across All Companies/Entities/Groups With the Click of a Button
You can also use DoNotPay with other debt collectors besides BW Consulting Debt Collector like RMP, Midland Credit, NCO, and Caci. DNP can also help you learn more about debt collection laws in your state.
Why Use DoNotPay to Stop BW Debt Collectors
You don’t have to suffer through harassment from debt collectors. DoNotPay is the perfect choice to put a stop to their incessant calls because we are:
- Fast: You don’t have to spend too much time looking for legal bases to put a stop to their harassment.
- Easy: All it takes are three steps with our app and you can choose the best course to take with your debt collectors.
- Successful: You can rest assured that you have DoNotPay’s legal expertise and experience making the best case for you.
What Else Can DoNotPay Do?
Other than dealing with debt collectors, you can also use DoNotPay to;
- Deal with bills you're unable to pay
- Increase your credit limit
- Cancel free trials without paying
- Clean up your credit report
- Write financial aid appeal letters
DoNotPay looks out for the interests of the consumer. Visit our homepage today to discover how DNP can help you deal with debt collectors, among other impressive products.