How to Beat Contract Callers Inc

Dena Standley | November 10, 2022

Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

When you beat Contract Callers Inc ^^

Summary: Contract Callers Inc specializes in collecting debts at all stages - including those past the statute of limitations. You can avoid walking into their trap by sending a Debt Validation Letter to avoid being taken to court. If you’ve already been sued by Contract Callers, respond to the lawsuit immediately with a written Answer—SoloSuit can help you draft and file your own in all 50 states.

Contract Callers Inc (CCI) is a unique type of debt collector. Sometimes they work for creditors as a first-party extension of their regular staff. Other times they act as third-party debt collectors handling post-charge-off accounts.

Contract Callers has developed a system to track consumers' financial activity to nab their targets. They call it RADAR. With it, Contract Callers can determine when your financial situation improves. If it has, and you have a delinquent account, they will come after you again.

Whether the company is contacting you about a newly delinquent account or an old one, you can successfully challenge them. You'll be ready to beat Contract Callers Inc at their own game with the points discussed below.

Is Contract Callers Inc a debt collector?

Yes, Contract Callers is a debt collector. It's a legitimate company that collects for credit providers across several industries.

Contract Callers Inc has several offices. But its headquarters are in Augusta, Georgia. Below is the contact information for Contract Callers:

Physical Address: 501 Greene 3rd Floor, St Suite 302, Augusta, GA 30901, United States
Post Office address: P. O. Box 2207, Augusta, GA 30903-2207
Phone: 706-825-8038
Toll-free: 800-405-4935
Website: contractcallers.com

Contract Callers Inc customer reviews

Consumers on Google give Contract Callers a 1 out of 5-star rating. BBB reviews also stand at 1/5.

As of 2022, CCI is not BBB accredited. But it has an A rating on the site. The rating is based on the Better Business Bureau's opinion of the company, not that of consumers.

The BBB has received more than 100 complaints against Contract Callers in the last three years. Even worse, the CFPB has reported more than 650 complaints against Contract Callers over the last ten years. Notably, many complaints related to credit reporting and ignoring proven identity theft cases. Below is an example of a real complaint.

"CCI has attached an invalid debt to my credit profile. This debt has been paid and is no longer valid. The amounts listed are also incorrect. This is the 3rd agency that has purchased this debt. Litigation is still in place with another debt collector. This needs to be removed from my credit report."

This is pretty common in the debt collection industry. If you are being contacted by Contract Callers Inc about a debt that has already been resolved, or you suspect the debt is fraudulent, you should formally request a debt validation.

Send a Debt Validation Letter to Contract Callers to force them to validate the debt before they continue collection efforts.

Ask Contract Callers to validate each debt

Often, debt collectors try to collect on paid accounts. It is also common to have the wrong amounts. So ask that the debt collector validates the debt in writing.

You can do so by using SoloSuit to generate a Debt Validation Letter and then sending it to Contract Callers at the address above. Always use certified mail when communicating with debt collectors. It's the only way you can confirm that they received your letter.

Create your Debt Validation Letter.

Learn about how a Debt Validation Letter can help you beat Contract Callers in the video below:

If Contract Callers Inc does not validate the debt, they are violating the FDCPA and your rights. Knowing your rights can help you protect yourself against unfair and unethical collection efforts.

Know your rights and stand up for them

The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair treatment using laws that prevent CCI from:

Calling you at your workplace after telling them it's not allowed
Phoning you very early in the morning or late at night
Using profane and threatening language
Contacting you a dozen times per day
Giving you false information about themselves and the debt
Calling you before 8 a.m. or after 9 p.m.

Report any of these occurrences to the Consumer Financial Protection Bureau and write a report on their BBB profile.

Should I pay a debt that is past the statute of limitations?

The simple answer is no.

The statute of limitations is the deadline given to creditors and debt collectors, like Contract Callers Inc, to sue someone for a debt. When an account is past the statute of limitations, they cannot take you to court for it.

The statute of limitations timeline is different in every state. The clock usually starts ticking on the date that the last activity occurred on an account. This usually means the date of the last payment.

That being said, an expired statute of limitations on debt does not mean that Contract Callers cannot ask you to pay. You still legally owe the amount. The problem with paying such an account is that you may, in effect, reopen the account.

Contract Callers know that paying just a tiny fraction of an old debt can restart the clock on the statute of limitations. Sometimes, even promising to pay is equal to renewing the debt.

Contract Callers Inc "stalks" your financial activity looking for any indication that you can afford to pay. Whether you recently bought a new home or applied for a new credit card and they find out, they will renew their collection efforts.

The best way to remain safe is to know how long the type of debt you have takes until a lawsuit is time-barred. After that, you should not make any payments to the account. If you do, the debt collector reclaims the right to sue.

Statute of limitations by state.

To illustrate, consider the case of Sarah.

Example: Sarah has a credit card debt that she could not pay when she lost her job in 2016. The latest payment she made was on July 30, 2016. She lives in California. So by September 2022, the statute of limitations on the debt had long passed (it takes four years). Sarah recently got a new job and has been working hard to rebuild her credit. The first item on her investment list was to put down the initial payment on a house she hopes to call home. When she successfully applies for a mortgage, the Contract Callers' system, RADAR, gets a hit. All too suddenly, debt collectors come after her again. This time they are more aggressive. Sarah is tempted to set up a new repayment plan. She figures the debt is old anyway, and she has nothing to lose. Her friend Nina who lives in Texas, tells her it's okay to restart payment. But that is a big mistake. The law is different in California than in Texas; agreeing to a repayment plan resets the clock. Now Sarah is back to square one; constant collection calls, the risk of losing her home, and a looming lawsuit. She could have avoided all that if she had listened to SoloSuit.

Don't be like Sarah. If you have an old debt, resist the urge to:

Make payments, no matter how little, to the account.
Agree to Contract Callers' suggestion to set up a repayment plan.
Accept a settlement offer.
Use an old credit card for new purchases.

These laws can change with time. So be sure to stay current with your state's regulations.

You can also use an FDCPA demand letter like a “Cease and Desist” or a “Refusal to Pay” to get the debt collector off your back.

What if Contract Callers Inc sues me?

You must respond promptly to a lawsuit.

Answering Complaints is NOT the same as:

Letting Contract Callers know you have received a Summons.
Ignoring the Summons and the Complaint document hoping the charge will go away.
Calling Contract Callers' lawyer and saying, "See you in court."

Instead,

Respond to each claim listed in the Complaint: You have three ways to respond to the accusations CCI outlined. You can deny the allegations as untrue or inaccurate, deny them for lack of knowledge, or admit to the claims listed. Just make sure to respond to each one individually, and know that most attorneys recommend denying as many claims as possible.

Assert your affirmative defenses: This section entails listing why you believe you do not owe the debt or have no obligation to pay it. Some defenses include an expired statute of limitations, inaccurate debt information, and CCI violating your consumer rights.

File the Answer with the court and Contract Callers' lawyer: Once you proofread your document, print it and make two copies. Next, send one copy to the court via mail or take the Answer to the courthouse. Lastly, send a copy to CCI via certified mail. Keep the last copy in your file as you plan your next step.

File before it's too late. You typically between 14-35 days. After that, you risk the court issuing a default judgment against you. Check out this video to learn more:

Beat Contract Callers Inc

Although facing Contract Callers Inc can seem too difficult, and you can succeed in getting a favorable deal or judgment.

Always send a Debt Validation Letter whenever they contact you.
Be careful with time-barred debts, so you do not reset the clock on the statute of limitations.
Respond to debt collection lawsuits with a written Answer.

With SoloSuit, you can win against Contract Callers Inc even if you can not afford to hire an attorney.

Win your debt collection lawsuit.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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