Stop Harassment from Ellis Co Debt Collectors

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How to Stop Ellis Co Debt Collectors?

If you are being contacted, harassed, or intimidated by debt collectors, DoNotPay can help! We can help determine if the debt is valid, if the collector is legitimate, and if they are compliant with Financial Conduct Authority guidelines. When contacts you, it is because you owe money to a company that has hired them to collect a debt. They get paid only when the debt is collected. If the debt goes unpaid, Ellis Co Debt Collectors receive nothing for their services.

are a debt collection company, legally operating under Aberdeen Financial Limited. They are registered with the Financial Conduct Authority to collect debts in

  • England
  • Wales
  • Scotland
  • Northern Ireland

They purchase debts from companies at a reduced rate and their employees contact the debtors for collection. This could be via the telephone, mail, email, or with field agents who visit your home in an attempt to collect a debt.

What to Do if You Receive a Call from Ellis Co.

Ellis Co is a debt collector, who is calling because they have information that you owe money to a creditor, and the debt has been uncollectible. To recoup some of the money that is owed, some companies either offer a percentage of the total collected to a debt collector or sell the debt at a highly reduced price. Ellis Co has information that this debt is valid and will employ tactics to collect the debt.

But before you pay the amount they are demanding, there are a few things you should do first:

Verify the debt is validIf you have been receiving notices, you may be aware that the debt is legitimate and is due/past due.

If you are unaware that you owe them money that Ellis Co says you owe, check with the credit union or the creditor that they claim it is from.

Ask for a Prove the Debt letterSend them a written request for proof of your debt, including itemized statements. They must provide the details you request. It is best to type the letter and type your name at the end.

Never sign your name to any correspondence, since it is easy to reproduce your signature.

Determine the age of the debtThere is a statute of limitation to most debt in the UK, six years for most areas, and five years in Scotland. The statute begins at the time the last payment was made, not at the time of the original agreement. Most debt is legally uncollectible if it exceeds the time limit.

What are Your Options if the Debt is Valid?

If you were contacted by , and you have determined that the debt is valid and you owe them money, you have a few options.

  1. The most simple option, of ​​course, is if you have the money, the debt is valid, is not time-barred, and you can pay the debt in full. This will stop the collection calls, letters, and visits, and should show the account as being paid on your credit report.
  2. If you do not have the money to pay the debt, you must still make arrangements with the collector to get the bill paid. Often, you will be able to set up a payment plan with Ellis Co. Keep in mind if you default, they may pursue further action.
  3. You can write off part of the debt by consolidating all your existing unsecured debt into one, making one lower, more easily managed payment. This plan, called an individual voluntary arrangement, is agreed on for a fixed period and at the end of that time, the remaining debt is legally written off.

What Happens if I Do Not Pay a Valid Debt?

If the debt is proven valid, you are responsible for paying it. Failure to pay can result in continued harassment consisting of phone calls, visits, and written correspondence. You could be taken to court and will incur additional costs or fees. They cannot, however, enter your property without your permission, repossess your property or take your vehicles.

How Can DoNotPay help?

DoNotPay can help by determining collector is compliant with the Financial Conduct Authority guidelines, We will ask you a few questions so that you can best decide which action is best for you.

We will contact Ellis Co Debt Collectors on your behalf with a demand letter or issue a complaint to the appropriate government agency. And we can help you in just minutes! In just three easy and quick steps, you can be on your way to stopping the collection calls and correspondence. All you need to do is:

  1. Search "debt collection" on DoNotPay.

  2. 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.

  3. 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 a professional trade association.

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 relevant trade association or ombudsman.

Can DoNotPay Help With Other Collection Agencies?

Absolutely! Simply let us know the name of the company and we can help resolve your collection issues with them as well! We can help with companies like:

Let DoNotPay help eliminate the stress from collectors today!

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