If you believe Hunter Warfield is harassing you with repeated calls, threats, or discussing your debt with third parties, you may be experiencing violations of the Fair Debt Collection Practices Act (FDCPA). Federal law protects you from illegal collection tactics, and if collectors violate your rights, you may be entitled to statutory damages up to $1,000 plus attorney fees.
The Wood Law Firm can help you stop the harassment and hold them accountable at no upfront cost.
Who Is Hunter Warfield Debt Collection Agency?
Hunter Warfield is a third-party debt collection agency based in Tampa, Florida, specializing in collecting rent, utility payments, medical bills, credit card debt, and commercial debts.
According to the Better Business Bureau (BBB), they have been operating for over 14 years and have accumulated over 500 complaints, which may indicate concerning collection practices.
Key facts about Hunter Warfield:
- Location: 4620 Woodland Corp Blvd, Tampa, FL 33614
- Phone numbers: (813) 283-4529, (888) 624-2335, (800) 837-0603, (813) 283-4001, (609) 439-4106, (800) 768-1011
- Years in business: Over 14 years
- BBB complaints: 500+ complaints
If you’ve received calls from these numbers and believe they’re violating federal law, contact The Wood Law Firm at +1 844-638-1122 for immediate assistance.
Why Is Hunter Warfield Calling Me
Hunter Warfield is likely calling you because they believe you owe a debt acquired from a creditor. Common reasons for their calls include:
- Informing you of alleged debt: They contact you to notify you of the debt amount they claim you owe.
- Requesting payment: They attempt to collect full payment or negotiate a payment plan.
- Discussing settlement options: They may offer to settle the debt for less than the full amount.
- Verifying contact information: They confirm your identity and contact details for collection purposes.
- You have consumer rights when dealing with debt collectors, and you should not feel pressured into making payments. If you’re unsure about the debt’s legitimacy, request written debt validation.
Recognizing Illegal Hunter Warfield Tactics
Hunter Warfield must follow FDCPA regulations. If you think they’ve violated these rules, you may have grounds for legal action:
- Calling at Inappropriate Times: Debt collectors cannot contact you before 8:00 AM or after 9:00 PM in your time zone. If you believe Hunter Warfield is calling outside these hours, this could be illegal harassment under the FDCPA.
- Excessive Phone Calls: Repeated calls designed to annoy or harass you violate federal law. While the FDCPA doesn’t specify an exact number, multiple daily calls intended to harass may constitute illegal behavior.
- Using Threatening or Abusive Language: Collectors cannot use profanity, threaten violence, or make threats they have no legal authority to carry out. If you think Hunter Warfield representatives have used abusive language or threatened arrest, this could be illegal harassment.
- Workplace Contact Without Permission: Debt collectors generally cannot call your workplace if your employer prohibits such calls or if you’ve told them not to contact you at work. Continued workplace calls may violate the FDCPA and could jeopardize your employment.
- Discussing Debt with Third Parties: Collectors may only discuss your debt with you, your spouse, or your attorney. If you believe Hunter Warfield has told family members, friends, neighbors, or coworkers about your debt, they may have violated your privacy rights.
- Threatening Legal Action Without Proper Authority: Hunter Warfield cannot threaten lawsuits or wage garnishment without following proper legal procedures. If you believe they’re making empty threats to scare you into paying, this may violate federal law.
- Failing to Identify Themselves: Debt collectors must identify themselves, provide their company name, and state that the call is an attempt to collect a debt. They should also inform you of your right to dispute the debt.
- Reporting Incorrect Information to Credit Bureaus: If Hunter Warfield reports inaccurate information to credit bureaus, this may violate the Fair Credit Reporting Act. Collection accounts can remain on your credit report for up to 7 years and significantly lower your credit score.
How to Stop Hunter Warfield Calls
If you believe Hunter Warfield is harassing you, take these immediate steps to stop Hunter Warfield’s calls and protect your rights:
- Document Every Call: Keep detailed records of all calls, including date, time, caller name, phone number, and conversation details. Note any threatening language, false statements, or FDCPA violations. Save voicemails and text messages as evidence, especially those containing threats of legal action, wage garnishment, or abusive language.
- Request Debt Validation: Within 30 days of their first contact, send a written validation of the debt request. Hunter Warfield must provide written proof, including the amount owed, the original creditor’s name, account numbers, and documentation showing you owe the debt.
- Review Documentation Carefully: Examine validation letters for discrepancies in personal information, errors in debt amounts, incorrect dates, or wrong account numbers. If you find inaccuracies, dispute the debt formally.
- Send a Written Cease-and-Desist Letter: Draft a letter demanding Hunter Warfield stop all contact. Send via certified mail with a return receipt. Under the FDCPA, they must honor this request except to confirm receipt or notify you of specific legal actions like filing a lawsuit.
- Dispute the Debt in Writing: If you believe the debt is incorrect, dispute it formally with Hunter Warfield. Clearly state specific reasons for your dispute, provide supporting evidence (payment records, correspondence with original creditor, bank statements), and request validation.
- Report to Regulatory Agencies: File complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and your state attorney general. Provide specific details about the harassment with supporting documentation.
- Contact The Wood Law Firm: If harassment continues despite your efforts, call +1 844-638-1122 for a free consultation. We specialize in stopping collection agency harassment and can help you understand your rights, stop the calls, and potentially pursue damages.
How FDCPA Protects You from Hunter Warfield Harassment
The Fair Debt Collection Practices Act provides strong protections against Hunter Warfield harassment. Your rights include:
- Right to reasonable contact: The FDCPA prohibits calls at inappropriate times (before 8 AM or after 9 PM), repeated calls intended to annoy, abusive language, and contact at inconvenient places like your workplace.
- Right to privacy: Collectors cannot discuss your debt with third parties except your spouse or attorney. Sharing debt information with family, friends, neighbors, or coworkers violates federal law.
- Right to written notification: Debt collectors must identify themselves, provide their company name, and state that the call is an attempt to collect a debt. They must also inform you of your right to dispute.
- Right to dispute the debt: You have 30 days from the first contact to dispute the debt in writing. Collectors must stop collection efforts until they verify the debt with proper documentation.
- Right to cease communication: You can send a written request demanding they stop all contact. They must honor this except to confirm receipt or notify you of legal actions.
- Right to sue for violations: If collectors violate the FDCPA, you may recover statutory damages up to $1,000, actual damages for harm suffered, and attorney fees.
Understanding these rights empowers you to fight back against illegal harassment. The Wood Law Firm can help you exercise these rights effectively.
Can Hunter Warfield Sue Me
Hunter Warfield may sue you if the debt is valid and within your state’s statute of limitations. However, they must follow proper legal procedures.
What happens if they sue:
- You’ll receive official court documents (summons and complaint)
- You must respond within the deadline stated in the summons
- Ignoring a lawsuit can result in a default judgment
- They may seek wage garnishment or bank levies with a judgment
When they can garnish wages: Hunter Warfield may garnish wages only with a court judgment or for specific debts like federal student loans. They cannot garnish wages without legal authority.
Can they arrest me? No. Hunter Warfield cannot have you arrested for unpaid consumer debts. Debt is a civil matter, not criminal, except in very specific circumstances like contempt of court.
If you believe Hunter Warfield is threatening lawsuits or arrest without legal basis, contact +1 844-638-1122 for legal guidance.
How Hunter Warfield Impacts Your Credit Score
Hunter Warfield’s aggressive debt collection can significantly damage your credit score. Collection accounts can remain on your credit report for up to 7 years and may lower your score substantially.
Credit score impact:
- Collection accounts can lower your credit score significantly
- Negative marks remain for up to 7 years from the date of the first delinquency
- Lower scores mean higher interest rates on future loans
- May affect the ability to rent apartments or get certain jobs
Even if you’ve paid the debt, collection agencies sometimes report incorrect or outdated information to credit bureaus. Regularly check your credit reports for inaccuracies and dispute any wrongful claims made by Hunter Warfield.
How to Remove Hunter Warfield from Your Credit Report
Follow these steps to remove Hunter Warfield from your credit report if you believe the information is inaccurate:
- Dispute inaccurate information: File disputes with Equifax, Experian, and TransUnion if you think the debt amount, payment history, or account status is wrong. Provide documentation to support your dispute. Credit bureaus must investigate within 30 days, and Hunter Warfield must verify the information or remove it.
- Request debt validation: Challenge Hunter Warfield to prove the debt’s validity. If they cannot provide adequate documentation (original contract, proof of ownership, itemized accounting), they may be required to stop collection efforts and remove the tradeline.
- Negotiate a settlement: You may be able to negotiate a settlement for less than the full amount. However, consider tax implications, as forgiven debt may be taxable income. Get any agreement in writing before making payments.
- Work with professionals: Consider working with a consumer protection attorney who can negotiate with Hunter Warfield on your behalf and dispute inaccuracies with credit bureaus to protect your rights.
Filing Complaints Against Hunter Warfield
If you believe Hunter Warfield has violated your rights, report them to these agencies:
- The Wood Law Firm: Contact us first at +1 844-638-1122 for immediate legal representation. We can help you file complaints and pursue legal action against Hunter Warfield for FDCPA violations at no upfront cost.
- Consumer Financial Protection Bureau (CFPB): File complaints online at the CFPB website. Provide specific details about the harassment, including dates, times, and what representatives said. The CFPB investigates patterns of violations and may take enforcement action.
- Federal Trade Commission (FTC): The FTC accepts complaints about unfair or deceptive business practices. While they may not resolve individual cases, your complaint helps identify systemic problems that could trigger investigations.
- State Attorney General: Your state attorney general (Florida residents can contact the Florida Attorney General) enforces consumer protection laws at the state level.
These complaints strengthen your case if you decide to pursue legal action.
Lawsuits Against Hunter Warfield
Several consumers have filed legal complaints against Hunter Warfield due to their collection practices, highlighting how many have taken action against potentially harassing tactics:
Simmons v. Hunter Warfield Inc. (3:18-cv-01592-K): This case involves allegations of harassment and potential FDCPA violations.
Hubert v. Hunter Warfield Inc. (3:18-cv-01970-N): The plaintiff alleged Hunter Warfield engaged in unlawful debt collection practices.
Greenfield et al. v. Hunter Warfield, Inc. (9:18-cv-80972-DMM): This case highlighted aggressive tactics that potentially violated federal consumer protection laws.
These cases demonstrate that collectors can be held accountable in court. If you believe Hunter Warfield has violated your rights, you may have similar grounds for legal action.
How The Wood Law Firm Stops Hunter Warfield Harassment
If you believe Hunter Warfield has violated your rights through excessive calls, workplace harassment, or threatening tactics, The Wood Law Firm provides experienced legal representation at no upfront cost. We’ve successfully stopped phone harassment and recovered damages for clients since 2010.
How we help clients:
- Free consultation: We review your case at no cost to determine if you have grounds for legal action
- Cease-and-desist letters: We draft professional letters instructing Hunter Warfield to stop all communication
- FDCPA violation lawsuits: We file lawsuits on your behalf and pursue statutory damages
- No upfront costs: We work on contingency, you pay nothing unless we recover compensation
- Proven results: We’ve recovered up to $1,000 in statutory damages plus attorney fees for harassment victims
Call +1 844-638-1122 for a free consultation to discuss your situation and learn how we can help you stop the harassment and potentially recover damages.
Meet Attorney Jeff Wood
Jeff Wood brings over 18 years of consumer rights experience, focusing exclusively on holding debt collectors accountable under the FDCPA, FCRA, and TCPA. Licensed in Arkansas with Of Counsel relationships across 14 states, he has built a national practice dedicated to protecting consumers from abusive collection tactics.
Call +1 844-638-1122 to discuss your situation with an attorney who fights to protect your rights against agencies like Hunter Warfield.
Real Cases We’ve Won Against Debt Collectors
- Persistent Call Harassment: A client received constant calls from a debt collector despite requesting they stop. We documented the harassment pattern with detailed call logs and filed an FDCPA lawsuit. The case settled, which included statutory damages and an agreement to cease all contact.
- Workplace Harassment: A client informed a debt collector that their employer prohibited personal calls at work, but the calls continued. We documented each workplace call and pursued legal action, stopping the harassment and securing compensation.
- Invalid Debt Collection: A client requested debt validation from a collector, but received no response while collection calls continued. We represented the client in an FDCPA claim, resulting in a settlement, debt dismissal, and removal of the collection from their credit report.
Frequently Asked Questions About Hunter Warfield
1. What Should I Do If Hunter Warfield Won’t Stop Calling Me
Document each contact with dates, times, and conversation details. Send a cease-and-desist letter via certified mail and contact The Wood Law Firm at +1 844-638-1122 for legal help.
2. Can Hunter Warfield Sue Me for Unpaid Debt
Yes, Hunter Warfield may sue if the debt is within your state’s statute of limitations. However, they must follow proper legal procedures and cannot threaten legal action they don’t intend to take.
3. Is Hunter Warfield a Legitimate Debt Collection Agency
Yes, Hunter Warfield is a legitimate agency. However, if their collection methods violate the FDCPA through harassment or illegal tactics, you may have legal recourse.
4. Can Hunter Warfield Garnish My Wages
Hunter Warfield may garnish wages only with a court judgment or for specific debts like federal student loans. They cannot garnish wages without legal authority.
5. What If I Don’t Recognize the Debt Hunter Warfield Is Collecting
You have the right to request debt validation. Ask for written proof including the original creditor’s name, account numbers, and amount owed.
6. Can Hunter Warfield Call Me at Work
No, if your employer prohibits such calls or if you’ve told them not to contact you at work. Continued workplace calls may violate the FDCPA.
7. How Many Times Can Hunter Warfield Call Me Per Day
While the FDCPA doesn’t specify an exact number, repeated calls intended to annoy or harass violate federal law. Document excessive calls and seek legal advice.
8. What If Hunter Warfield Contacts My Family About My Debt
This may violate the FDCPA. Debt collectors generally cannot discuss your debt with third parties except in very limited circumstances.
9. What Information Should Hunter Warfield Provide When They Call
They must identify themselves as debt collectors, provide their company name, state the call is an attempt to collect debt, and inform you of your right to dispute.
10. What Damages Can I Recover If Hunter Warfield Violates the FDCPA
You may be entitled to up to $1,000 in statutory damages, plus actual damages and attorney’s fees if a court finds Hunter Warfield violated the FDCPA.
Stop Hunter Warfield Harassment Today
If you believe Hunter Warfield is violating your rights through excessive calls, threats, workplace contact, or any other illegal collection tactic, you have the power to stop them. The FDCPA protects you from harassment, false claims, and abusive tactics.
Don’t endure another day of harassment. Call +1 844-638-1122 now for a free consultation. Our consumer rights attorneys will evaluate your case, explain your options, and help you take action at no upfront cost. You may be entitled to compensation for violations, and we’ll fight to hold Hunter Warfield accountable.
Related Resources:
- Travelers Management Group Debt Collection Harassment
- Reel Time Capital Debt Collection Harassment
- Comenity Bank Debt Collection Harassment
Additional Resources: Florida Attorney General
