Dena Standley | June 19, 2023
Edited by Hannah Locklear
Summary: Failing to pay a debt may lead to an unwelcome response from WCTCB debt collectors. WCTCB can be relentless in their efforts to ensure you start making payments, and they might even take you to court in order to collect what you owe. If you get sued by WCTCB, SoloSuit can help respond in court and increase the chances of winning your case.
Persistent debt collectors have mastered getting on your nerves with their endless calls and emails. Worse still, they may even threaten you with dire consequences if you fail to pay.
West Central Texas Collection Bureau (WCTCB) uses methods of harassment and bullying in an effort to collect debts. They invest in training their employees to use tactics to increase their chances of getting consumers to pay. Hence, knowing your consumer rights under the Fair Debt Collection Practices Act (FDCPA) will help you beat them at their game.
In this article, SoloSuit will help you beat WCTCB, not matter what stage of the collection process you find yourself in.
Sued for debt? Settle your debt before going to court with the help of SoloSettle.
The West Central Texas Collection Bureau (WCTCB) is a debt collection agency based in Abilene, Texas. It has been in business since 1909 and specializes in collecting delinquent accounts for various industries, such as:
The debts that WCTCB collects include medical bills, loans, and credit card debt. In addition to collecting outstanding debt, WCTCB also buys long-standing debt from its clients and resells it to willing debt buyers.
Once you fail to pay your credit card debt or loan, your creditor or lender hires WCTCB to collect. WCTCB creates an account and gathers your debt information from your creditor. Next, WCTCB collectors contact you requesting payment via email, letter, voicemail, or call.
If you ignore their attempts, they persist and may sometimes cross the line to persuade you to make payments. When all else fails, they may take legal action and send a lawsuit letter.
As one of the oldest debt collection companies in the United States, WCTCB has received a considerable number of complaints but not as many as other debt collection companies.
For instance, the Better Business Bureau records only a handful of complaints against WCTCB in the last three years, and the Consumer Financial Protection Bureau (CFPB) has received even less.
These complaints range from talking to unprofessional agents, inaccurate debt added to credit reports, harassing calls, and lack of debt verification. Here is an example from the CFPB complaint database (edited for clarity):
“I sent a request to validate that a debt on my report is accurate with the West Central Texas Collection Bureau for account number XXXX. The company responded without validating or proving that the debt was legally mine. FCRA states information reporting has to be 100% verifiable and 100% accurate, otherwise, the information must be removed under federal law. The West Central Texas Collection Bureau has been reporting unverifiable and inaccurate information on my credit which has damaged my credit score. I intend to litigate if they do not remove this file from my credit report.”
The above consumer has an increased chance of beating WCTCB in court it did not send an accurate response to the consumer’s Debt Validation Letter.
When consumers know their rights, they reduce the likelihood of being exploited by debt collectors. Debt collectors are known to violate your rights, and you can beat WCTCB by mentioning the FDCPA when communicating with them. These laws state that WCTCB should not:
If WCTCB has violated your rights, submit a complaint to the Fair Trade Commission website, BBB, or CFPB, and report them to the Texas attorney general's office.
Learn more about how debt collectors violate the FDCPA from our guide: FDCPA Violations List.
WCTCB has a right to sue you for the debt you owe their client. If you ignore their requests or fail to start making payments, chances are WCTCB will file a debt lawsuit against you and serve you a Summons and Complaint. Fortunately, you can still fight the lawsuit and the debt with these three steps:
Keep reading to learn more about each of these steps or watch the following video to learn more:
In the Complaint document, you will see a section where WCTCB have listed their allegation against you. You must answer this using one of three responses:
Most attorneys recommend denying as many allegations as possible if you plan to fight back. Admitting everything will most likely cause you to lose the case. Instead, denying can be a great way to force WCTCB to prove their case in court.
The following section allows you to state why you are not responsible for the debt. You can also mention any errors WCTCB made while handling your debt. Some affirmative defenses you can use include:
This section is often challenging for consumers to fill. SoloSuit can help you write the correct responses using our already drafted Answer.
You have 14 days to file your Answer in the court before WCTCB has the right to request a default judgment against you. In other words, if you don’t respond to the lawsuit within 14 days, you will probably lose the case automatically. So, after completing the Answer, make three copies, send one to the courts, the second to WCTCB lawyers, and keep the last one in for your records.
SoloSuit can help you file an Answer in all 50 states, including Texas.
Now, let's take a look at an example of how to beat WCTCB in court:
Example: Joseph owed a credit card debt of $2,500 and after months of missed payments and ignoring his creditor, they charged off the account and sold it to West Central Texas Collection Bureau. Joseph continued to ignore WCTCB when they came to collect. After several months, WCTCB sued Joseph for the debt, plus court costs and attorney fees. Joseph found SoloSuit online and decided to use SoloSettle to negotiate a debt settlement with WCTCB's lawyers. With the help of SoloSettle, Joseph was able to settle the debt for 70% of the original amount, avoid going to court, and cut out the courts costs and attorney fees.
Another way to beat WCTCB is to request them to settle the debt for less than you owe. The catch is that you must pay the entire amount you agree to or make the payments in less time.
Debt settlement is a great way to avoid going to court. If you know you owe the debt, and you have enough money to pay off a portion of it right now, contact WCTCB to discuss debt settlement options.
Otherwise, SoloSettle can help you start the debt settlement negotiation process. Our software helps you send and receive settlement offers until you reach an agreement with WCTCB. Then, we help you manage your agreement documentation and transfer your settlement payment to WCTCB, keeping your financial information private and protected.
To learn more about how debt settlement can help you beat West Central Texas Collection Bureau, check out the following 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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
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