Is 11 Charter Communications a legitimate company? Yes, they are. 11 Charter Communications is the same as Charter Communications, Inc; they are one of the biggest telecommunication or internet providers in the US. They are famous for their brand Spectrum, but 11 Charter Communications is their company branch for collecting debts.
Did 11 Charter Communications show up in your credit report as a collection account? If yes, it’s so stressful, right? But know that you are not alone in this situation. Many people in the US are actually experiencing the same stress you have with these collection agencies. With that said, here the simple solutions to handle 11 Charter Communications.
Know Your Rights
It would be best to know your rights first before filing a dispute about your credit report’s entry. Remember, if you know your rights, you won’t get harassed, whether in person or over the phone. One of your rights actually includes that collecting agencies can only call you between 8 am to 9 pm, and they are not allowed to call you when you are at work.
It’s also a good idea to know your rights so you won’t be threatened by collecting agencies. They will do everything or even threaten you to get arrested if you won’t pay them. But you can counter them by telling them owing money is not a crime. If you want to learn more about how to deal with 11 Charter Communications, you can visit Crediful or Click Here.
Ask Advice from Professionals
One of the best things to do with these kinds of situations is to ask for advice from professionals or hire a credit repair specialist. A credit repair specialist will assist you with the incorrect entries in your credit report. Not only that, after clearing all the wrong information in your credit report, they will also help you improve your credit to be used in the future.
In addition, a credit repair specialist/company will help you file for bankruptcy and even saves your assets that are put as collateral when foreclosure comes. So when you hire a credit report specialist/company, it would be best to examine the qualities they have. With that said, here are the qualities to look for when hiring credit repair specialists:
- An experienced one
- Can get things done before the deadlines
- Highly Motivated
- Fun to be with
Ask for a Debt Validation Letter
Most of the time, hiring third parties would help get rid of collecting agencies. But just in case it won’t be successful, your next step or solution would be to ask for a Debt Validation Letter from 11 Charter Communications. This step is so essential because when you ask for a validation letter, they are obliged to send you one and prove that you owe them.
Do not hesitate to ask for a debt validation letter. It is in your constitutional rights to ask for it from the creditor, and the creditor will then send it to you containing all the details or proof that you owe them. Usually, the creditors will have a hard time proving their claims. But if they prove that you owe them and you recognized the debt, you need to pay them.
Negotiate a “Pay-for-Delete” Arrangement
When 11 Charter Communications proved their claims, and you want to pay it, it would be best to negotiate first a pay-for-delete agreement. To process this agreement, you will write them a letter to pay your debt only if the collecting agency will agree to remove your credit report’s negative entry. It’s also a good idea to do it on the phone but ensure to record it.
Paying your debts without receiving something in return will only eliminate their annoying phone calls and letters but not your credit report’s negative information. That is why it’s a good idea to ask for a pay-for-delete agreement. Most of the time, collecting agencies will agree to negotiate and will remove the negative entry from your credit report within 30 days.
Send Them a Goodwill Letter
If you are a Spectrum consumer and have a good record in your account, it would be best to write 11 Charter Communications a letter of goodwill. To do this, you need to include in your letter why you cannot pay your debts or why you paid late. It’s also a good idea to make your letter short, formal, and understandable. But ensure that what you write in your letter is true.
Moreover, if you experience financial difficulties because you have been laid-off by your company or have an emergency, it would be best to include it in your letter. Just remember, though, it is still 11 Charter Communications’ discretion if they will honor the letter of goodwill or not. But there is no harm in trying this solution; you only ask for a favor.
The above mentioned are the simple solutions you can use in dealing with 11 Charter Communications. Whether you can pay your debt or not, it’s a good idea to be sure if you really owe the collecting agency because sometimes they may just have an error in charging consumers’ accounts.