Chloe Meltzer | March 06, 2023
Summary: Is Hunter Warfield suing you for a debt? SoloSuit can help you know your rights, represent yourself, and win in court.
Hunter Warfield Inc is a debt collection company. Debt collectors are usually employed by an original creditor to collect on an overdue debt. However, sometimes debt collectors are also debt buyers, who have purchased your debt from an original creditor that you borrowed from.
If you have been served by a debt lawsuit from Hunter Warfield, or if you see it listed on your credit report, you need to ensure that the debt is actually yours. This means verifying the debt with the collection agency. Additionally, you need to take steps to see if your rights have been violated under the Fair Debt Collection Practices Act.
Here's everything you need to know about Hunter Warfield and how to beat them in court.
If you're feeling frustrated with Hunter Warfield Inc., you're not alone. Hunter Warfield has received an average of 1.4 out of 5 stars from 745 Google reviews. Even worse, as of 2022, Hunter Warfield has received 432 complaints in the most recent three-year period on its BBB profile. Most of these complaints involve the following:
Let's take a look at a real example from Hunter Warfield's complaints on BBB.
“I was notified that my credit score decreased via Experian. I went to check my report and was shocked to see that Hunter Warfield Inc has filed a completely baseless collections on my credit report. They state that the debt balance is $35,148 and was apparently opened August 12, 2021. They list that I have "1 Month" to pay back this debt, but this debt is NOT MINE. I have nothing to do with this AT ALL and I do not know if I have been a target of identity theft or if this is some sort of scam. The report says that the original creditor is GOAL PROPERTIES - ATLANTA. I have never even lived in Atlanta and have never rented from this organization! I have reported the issue to all 3 credit bureaus and contacted the police. I have attempted to contact both Hunter Warfield and GOAL PROPERTIES - ATLANTA and NO ONE has helped me. The debt is related to the rental of a property. I have never lived here. This is wrong and is deeply affecting my livelihood.”
Hunter Warfield Inc, now known as Resident Interface by Hunter Warfield, is a third-party debt collector. This means that debt collectors who work for Hunter Warfield only collect debts owed to others. So, if you've never heard of Hunter Warfield before, it's probably because they are collecting on behalf of another company or bank that you owe.
If you have questions about the debt, you can reach Hunter Warfield Inc with the following contact information:
4620 Woodland Corp Blvd
Tampa, FL 33614-2415
Phone number: 888-494-9120
If you have received a Summons and Complaint in the mail, or other correspondence from Hunter Warfield, it is important to be very careful. First off, be sure to read the notice and confirm that you do in fact owe the money being claimed by Hunter Warfield.
When a debt collector contacts you, it may be scary. In some situations, you might think you need to go into more debt in order to pay that collector. Instead, you need to see if the notice needs to be paid, or if you have reason to not pay it. For example, if the statute of limitations has passed on the debt, you may not be able to be sued for it.
After you are sure that the bill belongs to you, you should send them a debt verification letter. This means they are required to verify that they own your debt and that it belongs to you. If they cannot send this, they must stop attempts at collection.
If you receive a collection notice from Hunter Warfield and the debt is not yours, you should mail a debt dispute letter or a debt verification letter. This means that they will need to prove the following:
If they cannot prove this and continue to pursue the lawsuit, then they are in violation of the FDCPA.
This video breaks down the benefits of sending a Debt Validation Letter and how to do it:
One of the biggest mistakes you can make in a debt collection lawsuit is to ignore it. This will not make it go away. Instead, you need to respond by the date listed on the court Summons and Complaint. The deadline to respond to a deadline lawsuit is 14-35 days, depending on which state you live in. If you do not respond, the court will issue a default judgment. This can lead to wage garnishment, a frozen bank account, and even liens on your property.
When answering a debt collection lawsuit, you should:
Collection agencies often buy debt from creditors that have tried to collect a debt and given up. These debts are usually purchased for pennies on the dollar. They then try to collect the full amount from you. However, in order to legally do this, they are required to legally prove they have the right to collect the debt and sue you over it. This means they must show that you signed the original credit agreement and that the debt ownership has been transferred over to themt.
Remember, the burden of proof is on the plaintiff, aka Hunter Warfield. So if the agency can't provide evidence that they have the right to sue you and the amount you owe, they'll have a tough time moving forward.
If you have a debt that is past the statute of limitations in your state, then you can not be sued for the debt. The time period can vary from state to state, but generally, it is around four to six years. The date the statute of limitations begins for your debt begins on the last day you were active on the account. This means you need to avoid paying anything on the debt until you know if it is still within the statute of limitations.
If you feel that the debt collector has breached the Fair Debt Collection and Practices Act, then you may be able to have court costs and attorney's fees covered along with $1,000 in damages per violation. It is essential you properly prove your allegation, so only consider this if you have good evidence.
In some cases, you may want to negotiate a settlement with the debt collection agency. This is a good option if you have some money to pay towards the debt and want to get Hunter Warfield off your back as quickly as possible. SoloSettle makes it easy to start the negotiation process.
Reaching a settlement with debt collectors like Hunter Warfield is a great option because they are usually willing to settle for less than the original amount. This means you can save a substantial amount of money and move on with your life when you settle.
Be aware that if you settle, the collection account will be on your credit report for up to seven years. It will impact your credit score. It is important to read the terms and conditions of any debt settlement, because you may need to end up paying more in the long run.
It is important you also ask the debt collector to delete it from your credit report. This would be in exchange for payment. You specifically need to request a “pay for delete letter.” Keep written records of everything that happens during the settlement, as well as any payments you make. It is also important to never give a collection agency access to your bank accounts. Essentially, in order to dispute the debt successfully, you should find a way to prove that you can not legally be sued for it. Negotiating a settlement should be your last resource.
To learn more about settling a debt, check out this video:
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.
"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
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
Here's a list of guides for other states.
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