Resolve Debt With Carter Young Collections

Hannah Locklear | December 22, 2023

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.

Summary: If Carter Young Collections has contacted you about a debt, ask them to validate it by sending a Debt Validation Letter. If the debt is valid, you might want to consider debt settlement to resolve it before legal action is taken. SoloSuit can help you request debt validation, respond to a debt lawsuit, and settle your debt.

Resolving debt with a collections agency like Carter Young Collections can be a challenging yet crucial task for maintaining financial health and creditworthiness. Here's a guide to help you effectively navigate this process.

But first, let’s learn more about Carter-Young Collections.

What is Carter Young Collections?

Carter Young Collections is a debt collection agency based in Monroe, Georgia that collects for companies in the student housing, multi-family, and medical industries (and more).

Below is the contact information for Carter Young Collections:

  • Phone: (888) 995-4242
  • Toll-free: (678) 995-4242
  • Email: customerservice@carter-young.com
  • Address: 120 2nd St. 2nd Floor, Monroe, GA 30655
  • Mailing address: PO Box 1046, Monroe, GA 30655-1046

The following is a photo of Carter young Collections’ office in Monroe, GA:

Carter Young Collections doesn’t have great reviews

Carter Young Collections has been accredited by the Better Business Bureau (BBB) since 2015, and it has earned 1/5 stars on its BBB profile. Its average rating on Google review is 2.8 out of 5 stars.

The BBB has received more than 100 complaints against Carter Young Collections in the past three years, and the Consumer Financial Protection Bureau has reported nearly 250 complaints in the same time period.

Check out some real Carter-Young Collections reviews below:

Ask Carter Young Collections to verify your debt

Before you pay collections through Carter Young, ensure that the debt claimed by Carter Young is indeed yours. Send a Debt Validation Letter within five days of your initial contact with the debt collector. This letter will serve as an official request to have the debt verified and help you confirm the amount, the original creditor, and other relevant details.

In order to validate a debt, Carter Young Collections must provide the following information:

  • The amount of the debt;
  • The name of the creditor to whom the debt is owed;
  • Statements that explain the consumer has thirty days to dispute the debt, and if disputed within that timeline, the collector will send a verification of the debt or a copy of a judgment against the consumer, along with the name and address of the original creditor (if different from the current creditor) to the consumer via mail.

If the debt is no longer valid, Carter Young Collections must cease collections efforts according to federal law.

Let’s look at an example.

Example: Jamie was contacted by Carter Young Collections about a debt she thought she had already paid off to her old dorm during her time at college. She used SoloSuit to create a personalized Debt Validation Letter and sent it to the collection agency. Carter Young Collections worked with the original creditor to determine that the debt had, indeed, already been paid off. Since the debt was no longer valid, the collectors stopped calling.


Send a Debt Validation Letter.

Settle your debt with Carter Young Collections

Reach out to Carter Young Collections to discuss your debt. It's often beneficial to communicate in writing for record-keeping. Explain your financial situation. If you're facing hardships, let them know. This can impact the solutions they offer.

You may be able to settle the debt for less than the total amount owed. Carter Young might accept a lump-sum payment or a series of smaller payments. If you can't pay a lump sum, propose a payment plan. Be sure that the payments are manageable for your budget.

SoloSettle can help you start the debt settlement conversation.

Before making any payments, ensure you have a written agreement from Carter Young. This should detail the payment terms, total amount to be paid, and the end date of payments. Keep all correspondence, agreements, and proof of payments. This is crucial if there are any future disputes or for proving that the debt has been resolved.

Monitor your credit report after resolving the debt. Check your report as often as possible to ensure it reflects the payment or settlement. It may take some time for your credit report to update.

To learn more about how to settle your debt with collectors, check out this video:

Settling your debt with Carter Young Collections can be a stepping stone towards better financial health. Remember, it's always better to address debt issues sooner rather than later to minimize the impact on your credit score and overall financial situation.

Sued for debt? Resolve it through debt settlement.

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