Summary: Ignoring calls, texts, and letters from debt collection companies like Berlin-Wheeler doesn’t make the debt go away. In this article, you’ll learn SoloSuit’s advice for resolving debt with Berlin-Wheeler and putting an end to those pesky phone calls once and for all.
Not many people know debt collection companies by name — until they’ve dealt with one directly, anyway. If you’ve been getting calls or letters from a company called Berlin-Wheeler, you have the distinct displeasure of dealing with one of the most established collection agencies. Do you need to find your peace again and get Berlin-Wheeler to leave you alone? Here’s the SoloSuit guide.
Berlin-Wheeler in Topeka, KS, was founded in 1951. It is located at 2942A SW Wanamaker Dr #200, Topeka, KS 66614. It’s much more established than many other debt collectors, and its decades in the industry have given it time to expand. If you’ve recently gotten a call from (785) 271-1000, Berlin-Wheeler is probably trying to reach you about a debt.
So who does Berlin-Wheeler collect for? Berlin-Wheeler was initially designed to help hospitals and medical practices collect on delinquent accounts, but it now works with businesses across a range of sectors. Aside from healthcare establishments, it collects for utility companies, government agencies, student loan companies, and various types of businesses within the financial sector.
Below is a photo of Berlin Wheeler’s headquarters in Topeka, Kansas:
Berlin Wheeler reviews
Is Berlin-Wheeler legitimate? Yes, it is. Berlin-Wheeler has an A- BBB rating, but over the last few years, it’s received dozens of complaints on its BBB profile. Dissatisfied consumers have also made reports to the Consumer Financial Protection Bureau (CFPB) complaint database, where you can read nearly 300 complaints against Berlin-Wheeler.
Berlin Wheel has an average rating of 2.6 out of 5 stars on Google reviews. See some examples of real Berlin Wheeler reviews below:
Ask Berlin-Wheeler for validation before you pay anything
Companies like Berlin-Wheeler count on people not knowing what to do when they get that first collection letter. After all, if someone is confused, scared, and able to scrape together enough money to pay the bill, they’re probably going to.
One of the most fundamental rights you have under FDCPA is the right to ask any debt collector to prove that you owe a debt and that they have the right to collect it. When you send the collector a letter requesting that information, it’s called a Debt Validation Letter. If you’re putting together a Debt Validation Letter, make sure you request that they send you the following information:
A copy of the contract between you and the original creditor.
The last payment or other transaction made on the account.
Proof that Berlin-Wheeler is authorized to collect the debt.
Berlin-Wheeler’s debt collection license number for your state of residence.
Ideally, you should write and send the Debt Validation Letter within 30 days of the notice from Berlin-Wheeler. Once the company has received your letter, it is legally forbidden from contacting you about the debt until it has validated the debt.
In some cases, especially if the debt isn’t too large, collection agencies will see validating the debt as too much work. If this happens, you’ll stop hearing from them. Likewise, if you do not actually owe the debt, Berlin-Wheeler won’t be able to prove that you do. In all likelihood, you’ll stop hearing from the company in that case as well.
Getting a debt collector to finally leave you alone is a great feeling, but it also can be good for your credit score. If a collection agency is harassing you about debt, that debt may well be showing up as a collections account on your credit report. If Berlin-Wheeler decides to drop the issue, the company will likely remove collections accounts from your report, increasing your score.
What to do if Berlin Wheeler proves you actually owe the debt
There’s a chance that Berlin-Wheeler will be able to prove that you owe the money. In this case, there are three potential courses of action. If you have the funds readily available, you can pay the amount in full and have the whole thing over and done with. If you can’t afford to pay the whole amount, you might consider offering a settlement or trying to set up a payment plan with the collector.
Let’s consider an example.
Example: Sheila owes $600 to her credit card company, and Berlin-Wheeler has validated the debt. She can’t afford to pay it all at once, so she offers $400 as a settlement. The company won’t budge, so she asks to set up a payment plan. She agrees to pay Berlin-Wheeler $100 per month for six months to pay off the debt. Once she does that, the collection account disappears from her credit report.
If Berlin-Wheeler Inc. proves that you owe the debt and you simply refuse to pay it, you might find yourself facing a lawsuit. Most debt collectors and consumers see lawsuits as a last resort. If the company loses a lawsuit, it will have spent a considerable amount of money and time for nothing. And if you lose, you might be ordered to pay the debt (or even have it taken right out of your paycheck).
Settle your debt with Berlin Wheeler and get on with your life
As much as we might wish it, Berlin-Wheeler Inc. collections don’t just go away if you ignore them. But if you have a clear plan of action in place, you might be able to negotiate your debt down. At the very least, you’ll no longer have the prospect of a lawsuit hanging over your head.
Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.
Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.
Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.
Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.
Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.
If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.
Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.
Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.
And 50% of our customers' cases have been dismissed in the past.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather