How to Respond to Wakefield and Associates Debt Collector

Wakefield and Associates is a third-party debt collector that a credit company usually hires to recover their debt, or they have purchased your debt from your lender. They are likely to contact you often through phone calls or send you letters via mail.

However, you don't have to respond to their demands immediately, especially if the collection account is already appearing on your credit report. The Fair Debt Collections Practices Act (FDCPA) has laws that protect you from any abuse or harassment from debt collectors. But, dealing with debt collectors can be frustrating.

Through DoNotPay's Stop Debt Collectors product, you can contact the debt collector, ask for debt validation, and demand that they stop contacting you. In addition, if the debt collector has been harassing you, you can file a report with the CFPB so that they are stopped from unfair practices.

What is Wakefield and Associates Debt Collector?

Wakefield and Associates, Inc. is a medium-sized debt collection agency headquartered in Aurora, Colorado. It was founded in 1986 and today has a workforce of over 100 employees spread out in different cities where the company has an office.

Here's a summary of the company's contact information:

Is Wakefield and Associates Legitimate?

Yes. Wakefield and Associates is a legitimate debt collection agency that has been in operation for over 30 years. Its official website is simple and easy to navigate, even for new users, to help them contact the agency's representatives in different locations. You can also make payments easily from the website.

The company has an A rating on Better Business Bureau, but that doesn't mean it's accredited or there are no complaints about the company or its services.

Once Wakefield and Associates contact you to recover a debt, they have probably added a collection account to your credit report. This might hurt your credit report and damage it over the years, even when you pay the debt in full.

Wakefield and Associates will show on your credit report in different names such as:

• Wakeassoc
• Wakefield collections
• Wakefield associates
• Wakefield payment solutions
• Wakefield rrc

What are Your Rights When Dealing with Wakefield and Associates Debt Collector?

The FDCPA and the State of Colorado (where the company is based) have laws that govern the actions of third-party debt collectors. In addition, the consumers have rights that can limit the debt collector's activities and even restrict their attempts to collect debts.

Some of these rights include:

1. Providing a written debt validation letter within five days of initial contact
2. Responding to all debt verification requests and pausing collections until the debt is verified
3. Not calling at unusual hours or places
4. Not exposing that you owe debts to friends, family, and employers
5. Communicating with your attorney if you have one rather than you
6. Respecting requests to stop all collection calls

How to Respond to Wakefield and Associates Debt Collector on your Own

If you receive a call or a letter from Wakefield and Associates debt collectors, don't be quick to solve the problem. If they contact you by phone, request a written notice that indicates all the debt information.

Check and confirm the following details:

• The name of your original creditor
• The identity of the third-party debt collector, including the name, address, and phone number
• The debt amount, including interest and other fees
• Purpose of the debt
• Date debt was incurred

You can request debt validation if you cannot verify the information or feel that the debt may not be yours. On the other hand, if the debt is yours and the information is correct, you can choose to pay it or take any other action you may deem fit.

You can also contact a lawyer or an experienced person to help you navigate the debt collection process.

How to Respond to Wakefield and Associates Debt Collector with the Help of DoNotPay

DoNotPay has a Stop Debt Collectors product that allows you to respond and take action when a debt collector contacts you.

Here's how it works.

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 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.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

Why Use DoNotPay to Respond to Wakefield and Associates Debt Collector?

You don’t have to suffer through unfair debt collection practices. Choose DoNotPay because it is:

• Fast – DoNotPay contacts the debt collector on your behalf and takes the necessary actions right away, depending on your choices.
• Easy – DoNotPay requires that you provide all the required information by answering a few questions and leaving the rest to them.
• Successful – DoNotPay contacts the debt collector successfully and gets the expected results.

What Else Can DoNotPay Do?

DoNotPay can help you with the following.

1. Learn how to negotiate with debt collectors
2. Check whether debt collectors can take your stimulus check
3. Learn the statute of limitations on debt collections by state
4. Learn how to write a dispute letter to a debt collector
5. Learn how long debt collectors try to collect a debt
6. Know how often debt collectors can take you to court
7. Learn how to deal with deal collectors
8. Learn about ERC debt collection
9. Learn about medical debt collection

Check out DoNotPay's Stop Debt Collectors product page for more information.