Hunter Warfield

Hunter Warfield

If a company known as Hunter Warfield has contacted you, you’re going to need to get busy.

That contact may have been by phone, letter, or a collection account showing on your credit report.

There’s also more than a slight possibility they’ll threaten you with a lawsuit, or even file one without your knowledge.

This may be a particularly difficult collection agency to deal with on your own. However, in this article, we’re going to provide various strategies to use in dealing with the agency.

But, if you find you aren’t making much progress, or if Hunter Warfield threatens you with legal action, you’ll need to get professional help.

We’ll recommend professional services at the end of the article.

In the meantime, what should you do if you’re contacted by Hunter Warfield and want to deal with them yourself?

Read on…

About Hunter Warfield

Hunter Warfield, Inc. is a revenue recovery service (aka collections agency) founded in 2004 and based in Tampa, Florida.

The company provides collection services for:

  • property management debt collections
  • commercial services
  • funeral care
  • medical practices and facilities
  • financial services providers

The financial services section includes collections for loan deficiencies, lines of credit, home equity deficiencies, and credit cards.

It’s worth noting that not only does the company have a staff of collection agents, but also an in-house legal and compliance team headed by “a general counsel with a wealth of litigation experience.”

Though it’s not unusual for large collection agencies to have one or more attorneys on staff, the fact that they have several points to the possibility that collection accounts being converted to judgments may be more common with this collection agency than with most.

Is Hunter Wafield, Inc. Legit?

Hunter Warfield, Inc. is a legitimate debt collection agency that has a Better Business Bureau rating of “B”, on a scale of A+ to F.

There have been a total of 488 complaints filed against the company within the past three years, which in our experience is an extraordinarily high number.

It’s also the primary reason the BBB assigned the company a B rating.

Of the 488 complaints, it appears that all were answered, although we could not locate any that were resolved in the consumer’s favor.

And just as important, the typical response from Hunter Warfield was a standard request that the consumer authorizes the company to respond directly to the BBB.

A general review of the complaints indicates:

  • attempts to collect on debts already paid
  • lawsuits filed before the consumer is notified
  • claiming debts without proper validation
  • harassing contact
  • inaccurate credit reporting

…among other issues.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

Before You Deal with Hunter Warfield Collection Agency

Before getting into specific strategies for dealing with Hunter Warfield, let’s first cover some basic rules applicable to dealing with all collection agencies.

They’ll be even more important, given that this company has a staff of highly skilled attorneys.

Following basic rules will help you minimize the likelihood that Hunter Warfield will be able to sue you.

1. Don’t deal with collection agencies by phone

Not only does this company have a reputation for aggressive phone tactics, but the last thing you need is a collection agency calling you day and night.

But, apart from the annoyance factor, there are practical reasons for refusing to deal with collection agencies by phone.

The first is that collection agents are highly skilled at phone contact with consumers. They know exactly what to say to rattle you, force you to provide additional information that will help the collection agency’s case, and convince you to promise to send payment.

These outcomes aren’t favorable. If a phone call leaves you anxious, you won’t be in a position to deal with the collection agency intelligently.

If you surrender additional information, you’ll only be giving the agency more tools to use against you. And, if they can convince you to promise to send a payment, that’s when things can get really bad—more on that in a minute.

Your first order of business in dealing with any collection agency is to put an end to the phone calls.

And, if you do have the misfortune of a phone conversation with a collection agent, use it as an information-gathering opportunity, while simultaneously providing no information to the collection agent whatsoever.

2. All contact with Hunter Warfield should be in writing

Under federal law, you have the right to demand collection agencies restrict contact with you to written correspondence only. You should take full advantage of that right.

Written correspondence will put an end to harassing phone calls, as well as the stress they produce.

It will also eliminate the intimidation tactics that get you to provide information to incriminate yourself or make promises to send payments you can’t afford to make.

Those factors alone make restricting contact to written correspondence worth pursuing. But, there’s an even better reason.

Collection agencies routinely record phone conversations. That means any information you provide to the agency—or promises of payment you make—become a form of evidence that can be used against you in a lawsuit. This is particularly important in dealing with Hunter Warfield, given their staff of trained attorneys.

By restricting communication to written correspondence, you’ll avoid providing additional information, as well as being intimidated into making promises of sending payments.

It will also give you better control of the process. You’ll be able to make proposals without providing unnecessary information.

And, you’ll also have written confirmation of any terms spelled out by the collection agency.

Be sure that all your correspondence with Hunter Warfield is sent by certified mail, return receipt requested.

That will provide proof that the company received your letters.

You should keep all correspondences in a dedicated folder, so that you’ll always know exactly what’s going on with the collection process, but also so that you will have written evidence if the company brings a lawsuit against you.

3. Never promise to make a payment unless you’re willing and able to make it

This is the biggest mistake consumers make when dealing with collection agencies, especially by phone.

Remember that phone calls are recorded by collection agencies.

If you make a promise to send a payment, or even imply that you will, the recorded phone conversation can be held against you as evidence in a lawsuit.

Never promise to send payment to any collection agency unless you have the money available, and you fully intend to send it.

Failing to do so will only give the collection agency more ammunition against you.

4. Familiarize yourself with your rights under federal law

As mentioned before, Hunter Warfield has received many complaints filed against them.  Harassing contact was listed as one of the complaints.

So, it would be wise for you to know about the rights that protect you from certain collection agency abuses, like harassment.

The Fair Debt Collection Practices Act (FDCPA) provides you these rights under federal law.

You can learn these protections by reading the Debt Collection FAQs provided by the Federal Trade Commission (FTC).

Specific Strategies for Hunter Warfield Collection Agency

Now let’s zero in on the strategies you’ll need to deal with Hunter Warfield and attempt to get the collection removed from your credit report:

Demand Hunter Warfield Provide a Debt Validation Letter

A debt validation letter is another requirement of federal law. A debt collection company must provide the consumer with this letter, which serves as evidence the debt is the responsibility of the consumer.

The letter should include information about the debt and your own liability for it.

That will include the amount of the debt, the name of the original creditor, the date the debt went into collection, the full amount of the debt, what the debt was for, and information that clearly connects you to the obligation.

You should demand a debt validation letter in your first contact with Hunter Warfield, keeping in mind that failure to provide this letter is a common complaint against the company.

However, that can work to your advantage.

If Hunter Warfield fails to provide a debt validation letter, you’ll have a right to demand they terminate further collection action against you, and remove any negative entries from your credit report.

But, even if the letter does arrive and is fully complete, you should use this as a basis for researching the debt in your own records.

It’s entirely possible Hunter Warfield is attempting to collect a debt that has already been paid. It’s equally possible that it’s a case of mistaken identity, particularly if you have a common name.

If you can provide documentation proving either point, the company should drop the collection action against you.

Request a Goodwill Deletion

If you’ve already paid a collection account, or if you fully intend to pay it, you may be able to get a goodwill deletion and have the collection removed from your credit report.

For this to happen, you’ll need to send Hunter Warfield a goodwill letter. The letter should remind the company either that the debt is paid, or express your willingness to pay in full.

More important, it must clearly confirm that the reason the account went into collection was due to circumstances beyond your control.

This can include an extended time of unemployment, a business failure, a major medical event, the death of a loved one, or any event of similar magnitude. If you can support this claim with third-party documentation, your case will be even stronger.

There’s no guarantee Hunter Warfield will agree to the deletion. But if the account is paid and your explanation is compelling, it will certainly be worth a try.

Offer a “Pay-for-Delete” Agreement

This strategy is exactly what the name implies. You’ll be sending Hunter Warfield a pay-for-delete letter, offering to make full payment on the debt in exchange for their removing the collection account from your credit report.

If they agree, get it confirmed in writing before sending payment. But, you should be aware that even if you do have written confirmation, the company may still fail to remove the collection account from your credit report.

First, pay-for-delete arrangements can’t be legally enforced. In fact, they represent a violation of the collection agency’s relationship with the credit bureaus.

And, given that at least some of the complaints filed against the company with the Better Business Bureau indicate an unfulfilled pay-for-delete arrangement, there’s an excellent chance Hunter Warfield will take your money and not remove the negative credit information.

Demand Deletion if Hunter Warfield Collection Agency Can’t Fully Validate the Debt

In a previous strategy, we recommended using missing or inaccurate information in the debt validation letter as a basis for disputing the debt with Hunter Warfield.

But, you should know that they may not cooperate.

If they don’t, you’ll be able to open a dispute with the three credit bureaus: Experian, Equifax and TransUnion.

They’ll investigate your claim and if Hunter Warfield doesn’t fully validate the debt, the credit bureaus will remove the collection account from your credit reports.

Even if they do, Hunter Warfield may continue to pursue payment of the debt from you. And, if that happens, you’ll need to get professional help.

Settle the Debt for Less than the Full Amount Owed

Most collection agencies are anxious to settle collection accounts as quickly as possible. After all, they aren’t paid until the account is settled.

For this reason, many are motivated to accept less than the full amount of the debt to close out the account.

It’s a motivation you should take advantage of. It won’t remove the collection account from your credit report, but it will enable you to settle the account for less—often much less—than the original amount.

Start by sending Hunter Warfield a letter proposing to settle the debt for less than the full amount. Your initial offer should be 50% or less of the debt they claim you owe.

If they’re agreeable to a settlement, they’ll counter with a higher number. You’ll negotiate back and forth, until you reach an agreed upon amount.

At that point, you must insist Hunter Warfield provide you with a letter of acknowledgment.

The letter must confirm that they will accept the reduced amount in full satisfaction of the debt, stop future collection actions against you, and report the account as paid with all three major credit bureaus.

Send no money until the letter of acknowledgment is received. If you send funds beforehand, Hunter Warfield may accept your reduced payment, and then continue to pursue you for the full amount of the debt.

This is a prime example of how collection agencies don’t always play fair.

Get Professional Help in Dealing with Hunter Warfield Collection Agency

One of the inherent problems in dealing with a collection agency like Hunter Warfield is that they frequently represent apartment complexes.

Those businesses tend to be quick to enter collections without the consumer necessarily being aware.

Another problem is the apparent propensity of Hunter Warfield to file lawsuits against consumers. Both situations will make it difficult to deal with this company directly.

We recommend engaging the services of a good credit repair company. They know how to work with collection agencies and can often have your credit profile improved in the process.

But this is a collection agency with which the possibility of legal action may not be an uncommon outcome.

That being the case, we recommend the services of Lexington Law.

That’s a law firm that specializes in credit law, and you may need to engage their services to level the playing field against Hunter Warfield.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

Prevent Loan Scams

About Prevent Loan Scams

Prevent Loan Scams provides guides, reviews & information to help consumers through every restorative step of their financial journey.

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