If it's accepted, however, you'll put an end to CardWork's unending calls and get back your peace of mind. The creditor may accept or deny your request. Request the creditor to work with you to develop a repayment plan that works for you. If you realize that your original creditor paid a collection agency to collect the money, you can still reach them via customer service and ask that you pay them instead. However, you have options to settle the debt. You may feel helpless and resign to dealing with abusive debt collectors. You can use the same address listed above when sending a Cease and Desist Letter.Īll hope may seem lost after a debt passes into the hands of a debt collection company. Instead of dealing with unending debt collection calls, you can now concentrate on other important matters. They may call you to let you know of any action they plan to take concerning the debt. Once you have proof that they received your letter, CardWorks can no longer contact you to collect the debt. Send the letter certified mail, return receipt requested. You can send a Cease and Desist Letter stating your intentions for the debt and demanding that they stop contacting you. You don't have to deal with debt collectors contacting you.
Cardworks merrick bank how to#
To learn more about how to draft a Debt Validation Letter, watch SoloSuit's founder explain how to do it in 2 simple steps: Send your Debt Validation Letter to CardWorks at: You can draft a Debt Validation Letter in minutes with SoloSuit. After receiving a request for debt validation, most collection agencies give up. If CreditWorks collectors cannot validate the debt, they must cease contact with you. A Debt Validation Letter is the best response as it directs the company to validate your debt within 30 days. Your immediate action should be to send a Debt Validation Letter to the company. The moment you hear the Mini-Miranda, you know you're dealing with debt collectors.
Send a Debt Validation Letter to CardWorksĬardWorks will confuse you by claiming it is not a debt collection agency, but then go ahead and read you the Mini-Miranda (a set of statements that a debt collector must read out to you when contacting you to collect a debt). By filing a countersuit, you could receive up to $1000 from CardWorks for each FDCPA violation they committed. If CardWorks used any of the tactics listed above to try to collect a debt from you, then you could be eligible for compensation.
You can learn more about the rules and regulations debt collectors have to follow from the Federal Trade Commission. Most consumer reviews are staggeringly low.Īs is true for all debt collection companies, CardWorks has a set of rules to follow when contacting you regarding debt. Employees using misleading means to collect a debtĮven though CardWorks has an average-looking 3.8 stars Google review, most positive reviews are from its employees.Claiming to represent the FDIC (a government agency).Not identifying as a debt collector when communicating with them.Most consumer complaints against CardWorks center around: In fact, there are numerous consumer complaints about how the company contacts and treats consumers on its BBB profile. Its BBB profile shows a 1 out of 5 star rating for customer reviews. And yes, CardWorks Servicing offers debt collection services to several creditors across the country.ĬardWorks Servicing is a legitimate company that claims to have been around for nearly 35 years. is the parent company of Merrick Bank, CardWorks Servicing, and Carson Smithfield. To clear things up for you, CardWorks, Inc. Aside from the insistent calls, most consumers are never sure whether CardWorks is a bank, a third-party debt collection agency, or another party. Summary: Is CardWorks Servicing contacting you about a debt? SoloSuit can help you get them off your back, take a stand, and win in court.ĬardWorks Servicing is one of the most confusing debt collection companies to deal with.
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