If you got a phone call or correspondence from a company known as 11 Charter Bright House, it’s most likely because you have past dealings with Charter Communications.
Since Charter Communications is—as the name implies—a communications company, the dollar amount of the debt they are seeking to collect is likely smaller than other collection agencies, such as those that collect for student loan lenders or auto loans.
But, that won’t make 11 Charter Bright House any less aggressive in attempting to collect debts.
Millions of Americans have collection accounts outstanding with communications companies, like cable, Internet, and mobile phone services.
If you’re one of them, you’ll need to deal with it as quickly as possible.
Collection accounts don’t simply go away on their own; it is even possible they can be converted into a judgment by the collection agency.
If that happens, dealing with the debt will be much more difficult, not the least because the collection agency will then be able to garnish your wages in full satisfaction of the debt.
About 11 Charter Bright House
11 Charter Bright House is a division of Charter Communications, a phone, cable, and Internet services provider operating throughout much of the country.
11 Charter Bright House acts as a collection agency for Charter Communications, so if the company is contacting you, it’s because of past dealings with Charter.
Is 11 Charter Bright House Legit?
Not much information is available on 11 Charter Bright House since it doesn’t operate as an independent entity.
However, Charter Communications itself has a Better Business Bureau rating of “F”, the lowest rating on a scale running from A+ to F.
And, though Charter Communications has many thousands of complaints filed with the agency by consumers, complaints against 11 Charter Bright House are not broken out specifically.
If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.
How to Deal with 11 Charter Bright House
There are certain basic rules you should keep in mind any time you are dealing with any collection agency.
Most use virtually the same tactics to collect debts, so you can use the following rules to minimize the damage and even get the upper hand.
1. Don’t Communicate by Phone
Collection agencies love dealing with debtors by phone, which is the exact reason why you need to avoid it.
The agencies have a big advantage because they are on the attack, which naturally puts you on the defensive in response.
That’s never a good position to be in because it opens the door to intimidation and getting you to provide information that will only hurt your cause.
Even if your first contact with 11 Charter Bright House is by phone, make sure it’s the last.
By removing the phone contact option, you’ll be taking a big step toward leveling the playing field. You’ll also put an end to harassing phone calls at home and at work.
If you do receive a phone call from 11 Charter Bright House, or you plan to place one to question a collection account on your credit report, keep the following two rules in mind during the conversation:
- Give no information to the collection agent, and
- Get as much information from the agent as you possibly can.
You’re under no legal obligation to speak with any collection agent, so don’t be afraid to take charge of the conversation.
The agent will attempt to get as much information from you as possible, which means your job needs to be making sure that doesn’t happen.
And, whatever you do, never—ever—make a promise to send money to the collection agency.
2. Communicate in Writing
You can eliminate phone contact with 11 Charter Bright House by demanding all communication be handled in writing and by mail.
Don’t be timid in making this request—it’s your right under federal law.
And, it’ll be your best protection to avoid the kinds of threats and harassment that come with an endless series of phone calls.
Written communication will also force the collection agency to behave.
Since collection agents are not allowed to threaten a debtor, it will be much more difficult to do so in written correspondence than it will in a phone call.
After all, a letter will represent written evidence of the threat, which you could use in a countersuit against the collection agency.
Written correspondence also enables you to keep your communications brief and to the point.
You’ll be able to avoid the kind of nervous rambling that happens in phone conversations, which has the potential to give greater power to the collection agency.
In addition, you’ll have a written track record of all communications, which could be your best defense if 11 Charter Bright House attempts to secure a judgment against you.
Be sure that whenever you send a letter to 11 Charter Bright House that you do so by certified mail, return receipt requested.
That will provide evidence that not only did you send a piece of correspondence but also that it was received by the collection agency.
3. Never promise to make a payment
One of the reasons collection agencies love phone calls so much is that it provides them with an opportunity to get you to make promises to send money.
As a nervous consumer being attacked by a skilled collection agent, you may be tempted to make an offer to send money just to get rid of the collection agent.
Rest assured, if you don’t send the payment, the collection agent would be back—usually in no more than a few days.
But, there’s an even bigger reason why you should never promise to send payment unless you have the funds and are willing to send them.
Collection agencies routinely record phone conversations.
If you make a promise to send money or even infer that, and then don’t, the collection agency can use your promise to claim fraud against you.
That would strengthen their case in a lawsuit.
4. Know your rights under federal law
The Fair Debt Collection Practices Act (FDCPA) can protect you as a consumer if things get ugly when dealing with collection agencies.
Gain confidence in your rights by reading the Debt Collection FAQs provided by the Federal Trade Commission (FTC).
This knowledge can give you an advantage if you run into certain issues while dealing with the collection agency.
Get Professional Help Dealing with 11 Charter Bright House
If you don’t feel that taking on a collection agency head-on is something you’d be willing to do, you’ll need to get professional help.
You can get that from a good credit repair company.
Since they work with collection agencies all the time, they’ll know how to get them to settle the account and minimize the damage on your credit reports.
However, if 11 Charter Bright House threatens you with legal action, you may need to hire a credit attorney.
Lexington Law specializes in credit law and may keep the case from ever making it to court.
Specific Strategies for 11 Charter Bright House
Demand Debt Validation Letter
Under federal law, collection agencies are required to provide evidence of a debt they claim you owe.
As such, you can demand they furnish you with a debt validation letter.
The letter must provide complete information on the debt, including the name of the original creditor, the date the account went into collection, the amount of the debt, and information that clearly connects you to the obligation.
If 11 Charter Bright House fails to provide you with a letter, or it comes back incomplete, you have the legal right to challenge the debt.
We’ll cover that process shortly.
Request a Goodwill Deletion
This can be a good strategy to use if you have already paid a debt, but the collection account is still showing on your credit report.
It’ll give you an opportunity to have the collection account deleted.
Start the process by sending 11 Charter Bright House a goodwill letter.
In the letter, you’ll request that 11 Charter Bright House delete the collection account from your credit reports as a goodwill gesture.
Will they grant the request? Sometimes they will, at least often enough to justify making the request.
In the letter, you’ll refer to the debt and to the fact that it’s already been paid in full.
In addition, you’ll also include a well-worded explanation that the reason the account went into collection was due to circumstances beyond your control.
For example, if the debt went into collection because of an extended period of unemployment or a medical event, 11 Charter Bright House may sympathize and delete the account from your credit report.
It will help if you can also supply documentation proving your claim.
Offer a “Pay-for-Delete” Agreement
If requesting a goodwill deletion is a recommended strategy for debt that has already been fully paid, pay-for-delete is an option to consider when you still owe the full balance on an account.
You’ll send 11 Charter Bright House a pay-for-delete letter, in which you request that they remove the collection account from your credit reports in exchange for full payment of the debt.
The strategy is hardly guaranteed to work, but they may agree to it as a way to get full payment for the debt.
If they do agree, request that they confirm their agreement in writing. Keep in mind though, written confirmation of a pay-for-delete doesn’t provide you with any recourse.
11 Charter Bright House could provide you with a letter confirming the agreement, and then refuse to delete the account from your credit reports.
You’ll have no legal recourse if that happens, because pay-for-delete is not a legally enforceable arrangement.
In fact, it’s a violation of the reporting rules between creditors and the credit bureaus.
Still, it may be worth trying if you are fully willing and able to pay the debt.
11 Charter Bright House just may honor the request and delete the collection account.
Demand Deletion If The Debt Cannot Be Validated
Earlier, we mentioned getting a debt validation letter from 11 Charter Bright House, and the possibility you can dispute the debt if they either fail to provide a letter or it comes back missing important information.
Now we’re going to go into more detail about this process.
Under federal law, a collection agency must delete a collection account from your credit report if they are unable to fully validate the debt they claim you owe.
You have a right to demand that outcome if the information is incomplete or not provided.
And, even if they fail to delete the information, you can contact the three credit bureaus—Experian, Equifax, and TransUnion.
They’ll open a dispute based on the missing information and investigate within 30 days.
If 11 Charter Bright House fails to validate the debt, they’ll delete the collection account from your credit reports.
Settle the Debt
Let’s say you know you owe the debt, or they are able to fully prove the debt is yours.
Your best course of action is to attempt to settle the account for less than the full amount owed.
Since collection agencies are in the business of collecting money, they’ll often agree to settle a debt for less than the full amount as a way to get at least some money.
Exactly how much they’ll be willing to negotiate depends on the collection account and the arrangement they have with the original creditor.
But, it’s always worth a try.
How to Negotiate a Settlement with 11 Charter Bright House
You’ll start by sending them a letter proposing to settle the account for much less than the full amount owed.
We recommend starting at 50% or less. A negotiation process will follow—if they are willing to settle. They’ll likely counter with a higher settlement amount, and then you’ll counter that with a lower amount.
Eventually, you should reach a point in the middle where both parties are satisfied.
If 11 Charter Bright House agrees to a settlement amount, request that they send you a letter confirming the details.
That should include:
- the amount they are accepting in full settlement of the original debt
- their intention to report the account as paid with each of the three credit bureaus.
Send no money until you receive this letter. Collection agencies don’t always play fair. They may accept your lower payment, then continue to pursue you for the balance of the full debt owed.
That’s why you must get a letter confirming the agreement before sending any money.