S&N Debt Solutions

S&N Debt Solutions is a debt collection company located in Danvers, Massachusetts. Founded in 2011, S&N Debt Solutions is a for-profit, private company.

Do You Want Your Collections Removed Today?

Call them at (716) 557-7812 for a free credit consultation. We have helped many people in your situation and have paralegals standing by waiting to take your call.

You can also email us at info@cpgcomplete.com.

Additional BBB Reviews

Complaint Type: Billing/Collection Issues

Kristie (or Christie) called my home number (972-********) from S&N Debt Solutions and requested that I verify my name and my birthday was July 1965. My birth year is not 1965, but I was not going to confirm or deny any information to these people. She would not give me any additional information as to why she was calling or why I needed to verify myself or my birth information. I asked for her name, company name, and telephone number and called back to see if she would answer, and she did. This is the second time someone has called me from this company. I need to know why they are contacting me and if this call is legitimate. Also, the calls need to stop. This company appears to be a problem with other consumers. I hope they are not allowed to put any false information on my credit report. Thank you.

Complaint Type: Billing/Collection Issues

I have no knowledge of this debt; it just showed up on my credit report being opened in November 2020 by ***** financial services llc. I disputed this debt with all three credit bureaus. I want this company to remove this debt from my credit report.

Complaint Type: Billing/Collection Issues

This company is a debt buyer. I asked them to validate this debt that I owe them, but they couldn’t come up with that. They said I paid 1203 to someone else but couldn’t provide that info. The original debt was with a company called ***** and they couldn’t provide me with documentation for why I owe them 1667. I would like this removed from my credit report and these people to stop contacting me.

Can S&N Debt Solutions Collections Be Removed From My Credit Report?

Depending on the situation, it is possible to have your collections removed, settled, or improved. It is best to have your account reviewed with S&N Debt Solutions so the best course of action can be taken. Contact us today, so we can see how we can help.

Should I Contact or Pay S&N Debt Solutions?

Speaking to a collection agency can be harmful. Making payments on the collection account resets the clock. It could make it worse. Of course, there are times when it’s best to pay the collection account, especially if it’s new and you’re sure it’s legit.

The best way to deal with a debt collector is to work with a professional credit repair service. They have deleted millions of negative items from companies like S&N Debt Solutions for millions of clients nationwide.

And they can help you too.

Common Mistakes When Dealing with Debt Collectors

Common mistakes that may further deteriorate your credit are direct communication with the collection agency. This action leaves you vulnerable to making unnecessary payments to the collection agency, which reverts your efforts to the drawing board. Contact will be made on your behalf through a verified professional credit repair service. The Consumer Protection Group offers a full range of credit repair services to benefit consumers who have been mistreated by the credit and collection industry against their consumer protection rights. Contact us today for help.

Will S&N Debt Solutions Sue Me or Garnish My Wages?

The probability is minimal, but you need Consumer Protect Group to remove this uncertain burden from your workload to reduce this risk. They will filter your impending dispute and possibly indemnify your credit report. This quality work will prevent future conflicts and encumbrances.

To improve your credit score, contact us to allow them to intervene and avert lawsuits against you. Additionally, they will clean up your credit report for safer and uninterrupted money management. We will be your friendly vigilant against negative items on your wage credit.

What Is Wage Garnishment?

Wage garnishment is a court-ordered method of collecting money from an employer by taking some or all of an employee’s paycheck. This strategy of the collection has controversial consequences depending on the state government. Therefore, its jurisdiction is nullified and illegal within states against wage garnishment.

Subsequently, it is illegal for any claims of foreclosure or auctioning your property by S&N Debt Solutions. These threats are unauthorized due to the nature of your involuntary towards paying off your debt.

S&N Debt Solutions Complaints

You should consider filing a complaint if a collector harasses you. You will have an advantage of support from the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) as they condemn any form of harassment during collection. Inaccurate data provide grounds for these Bureaus to fill complaints against the collection agency. While filing complaints, you will be protected from the collectors using intimidation tactics and harassment.

The Fair Credit Reporting Act (FCRA) provides consumer protection from harassment of false accusations and stops debt harassment. S&N Debt Solutions, LLC understands this particular law; thus, you need Lexington Law to challenge your collectors equally.

How Collections Affect Your Credit

There are several ways to harm your credit score, whether intentionally or unintentionally. Failure to make regular agreed payments could result in a collection from a bank or creditor, and overspending one’s allowed credit limit would bring about a higher interest rate. Late payments could result in credit history reductions and, eventually, collection practices.

The collection agencies correlate with each other through advancing credits as insurance. If your account happens to raise a red flag during such transactions, it will stain your credit score. Without your dispute or defense against these accounts, your ability to renew credit will be crippled and turned impossible.

Your Rights When Dealing with S&N Debt Solutions, P.C.

The United States government has set strict restrictions and procedures that limit the activities of the collectors towards settling their dues. Fundamentally, the Fair Credit Reporting Act shields you from any form of inhumanity or abuse from your collectors. It provides a neutral ground for settlement without handicap situations. The FCRA has provided your consumer rights as follows but not limited to:

• All personal data are insured and heavily protected. Such data includes credit card stats, mortgage loans, overdrafts, and billing reports.
• S&N Debt Solutions must be confined in you, where they cannot publicly name you as a debtor. It restricts them from constantly communicating with you to harass or criticize your credit report.
• S&N Debt Solutions must prove its legality to collect a debt. It implies that they need to, orally and through writing, recognize themselves as authorized to conduct their collection activities. It prevents cases of fraud through honesty and integrity of work.
• Your credit report should be free from inappropriate data insinuated by S&N Debt Solutions. It is a legal violation with grounds for lawsuits against them.
• FCRA provides 30 days for the collectors to prove their claims to your credit report. They are tasked with the duty of enlightening you on whether payment is your sole responsibility. It entails debt validation, failure to which collectors may face legal action.
• You bear freedom from false arrest in the hands of S&N Debt Solutions. FCRA restricts any legal action unless a court is involved.

More Tips on Dealing with S&N Debt Solutions

Avoid direct communication. The collectors will try hard to communicate with you over the phone as a tactic to trap you. It would be best to curtail communication to prevent them from profiling you in their records.

If S&N Debt Solutions is persistent, politely inform them that you strictly demand all conversations in writing. Request a formal letter to validate their claims. You can freely ignore their ignorant calls once you have passed the legal information.

Acquire hard evidence of communication. You must record the call if the conversation needs to be through a phone. Secretly recording the discussion has been authorized in over thirty-five states as a self-defense mechanism.

However, some states specifically require you to gain permission from the other party to record. If you inform them that you intend to register during the conversation and continue to talk, it amounts to consent to record. It is rare as they always hang up to escape the spotlight.

Do not act guilty. You should not attempt to hide any assets or money from a legitimate collector. It amounts to fraudulent claims if you legally own them. You need to avoid providing personal details such as financial status or associated bank details.

Do not give them the benefit of the doubt. Do not believe their story on the phone. Do not be fooled by the stories of the compassionate owner.

Do not give them your banking information. The call should not be genuine; thus, protect your information until all points are verified. It is your responsibility to initiate contact through validated channels if you decide to settle.