Operating for over a century doesn’t give Holloway Credit Solutions a pass to violate your rights. Despite their longstanding presence in the debt collection industry, consumers continue filing complaints about aggressive phone harassment, threats, and questionable collection practices that may violate federal law.
If Holloway Credit Solutions contacts you with repeated calls, abusive language, or unauthorized disclosure of your debt to family or employers, you’re potentially facing FDCPA violations that entitle you to legal action and damages up to $1,000 in statutory damages plus actual damages for emotional distress.
The Wood Law Firm has spent over 15 years holding debt collectors accountable for illegal tactics. According to the Better Business Bureau, Holloway Credit Solutions has accumulated numerous consumer complaints despite its century-long operation. We can help you stop the harassment and recover compensation with zero upfront fees. Call +1 844-638-1122 for a free consultation.
Who Is Holloway Credit Solutions?
Holloway Credit Solutions operates as a debt collection agency in Montgomery, Alabama, with over 100 years in business according to Better Business Bureau records. Despite this lengthy history, the company faces ongoing consumer complaints about harassment, threats, and questionable collection practices.
Company Information:
Address: 1286 Carmichael Way, Montgomery, AL 36106
Phone: (334) 396-3000
Years in Business: 100+
Known Phone Numbers:
- (334) 396-1200
- (800) 264-2700
- (334) 396-3000
If you receive calls from these numbers, document every interaction, including dates, times, and conversation content. This documentation becomes critical evidence for potential FDCPA violation claims.
Federal Lawsuits Against Holloway Credit Solutions
Court records reveal Holloway Credit Solutions has faced multiple lawsuits alleging violations of federal consumer protection laws:
Hood v. Holloway Credit Solutions LLC: Allegations of illegal collection practices and FDCPA violations.
Tabb et al v. Holloway Credit Solutions, LLC: Class action lawsuit highlighting patterns of consumer grievances and alleged harassment tactics.
These cases demonstrate recurring issues that consumers should recognize when dealing with this collector.
Common Consumer Complaints
Consumers report specific patterns of potentially illegal behavior from Holloway Credit Solutions:
- Repeated, Unsolicited Calls: Multiple daily calls intended to pressure or intimidate may violate the FDCPA’s prohibition against harassment. Courts have found 7-10 calls per day potentially excessive.
- Abusive or Threatening Language: Debt collectors must maintain professional communication. If Holloway Credit Solutions uses profane language, raises voices to intimidate, or makes threats, these tactics may violate federal harassment prohibitions.
- Unauthorized Third-Party Disclosure: Sharing personal debt information with family members, neighbors, or coworkers without consent violates your privacy rights under the FDCPA. If Holloway Credit Solutions has discussed your debt with unauthorized parties, this violates federal law.
- Unverified Debt Claims: Pressuring consumers for payments without providing proper documentation or verifying debt legitimacy when requested violates federal validation requirements. Debt collectors must prove you owe the debt before pursuing collection.
- Pursuit of Time-Barred Debts: Attempting to collect debts beyond your state’s statute of limitations (typically 3-6 years) may violate state laws. While collectors can still contact you about time-barred debts, they cannot sue to collect them or threaten legal action they cannot legally pursue.
Recognizing Illegal Harassment
Understanding what constitutes illegal harassment helps you identify when Holloway Credit Solutions crosses legal boundaries:
Unlawful Communication Timing: The Fair Debt Collection Practices Act (FDCPA) prohibits calls before 8:00 AM or after 9:00 PM in your time zone. Even one call outside these hours violates federal law.
Illegal Automated Dialing: The Telephone Consumer Protection Act (TCPA) prohibits using robocalls or automated dialing systems without your prior express consent. If Holloway Credit Solutions uses automated systems to contact your cell phone without permission, this may violate the TCPA.
Excessive Call Frequency: While no specific number automatically constitutes harassment, courts have found patterns of multiple daily calls problematic. Frequent, repetitive calls intended to intimidate or annoy violate federal law.
False Threats and Misrepresentations: Holloway Credit Solutions cannot threaten legal action they don’t intend to pursue or lack the authority to take. False threats about arrest, immediate wage garnishment without a court judgment, property seizure without legal authority, or lawsuits they don’t intend to file all constitute illegal misrepresentations.
Unauthorized Workplace Contact: Holloway Credit Solutions cannot call your workplace after being told your employer prohibits such calls or that workplace contact is inconvenient. Continued workplace calls after notification violate federal law.
Your Rights Under Federal Law
Federal legislation provides robust protections against unfair, deceptive, or harassing debt collection practices.
Communication Time Restrictions: Collectors can only contact you between 8:00 AM and 9:00 PM unless you give specific permission otherwise. They cannot call your workplace after being told it’s prohibited or inconvenient.
Respectful Communication Requirements: Using abusive, threatening, or profane language is strictly prohibited. Collectors must maintain professional conduct.
Debt Validation Rights: Debt collectors must provide written verification within five days of initial contact, including the debt amount, original creditor name, and your right to dispute. You have 30 days to request detailed validation.
Privacy Protection: Holloway Credit Solutions cannot discuss your debt with family members, friends, neighbors, or employers except in very limited circumstances to locate you.
Right to Stop Communication: You can send a written cease-and-desist letter demanding they stop all contact. After receiving your letter, they can only contact you to confirm cessation or notify you of specific lawsuits.
TCPA Protections: The law prohibits debt collectors from using robocalls or automated dialing systems to contact your cell phone without obtaining your prior express consent.
Legal Remedies for Violations:
- Statutory damages up to $1,000 per FDCPA lawsuit
- Statutory damages up to $500-$1,500 per TCPA violation
- Actual damages for emotional distress and financial harm
- Attorney fees and court costs paid by the violating collector
Five Steps to Stop Holloway Harassment
Step 1: Document Every Interaction
Keep detailed records of all communication:
- Date and time of each call
- Phone numbers Holloway Credit Solutions called from
- Names of collectors who contacted you
- Complete conversation details
- Any threats, false statements, or abusive language
- Voicemail messages (save recordings)
- All written correspondence
This documentation provides critical evidence for FDCPA and TCPA violation claims.
Step 2: Request Written Debt Validation
Send Holloway Credit Solutions a written validation request within 30 days of their first contact via certified mail. Your letter should demand:
- Complete documentation proving the debt’s validity
- Original creditor’s name and contact information
- Proof they own the debt or are authorized to collect it
- Complete payment history
- Documentation showing the debt is within your state’s statute of limitations
Step 3: Send a Cease-and-Desist Letter
Federal law requires collectors to stop contacting you after receiving a written cease-and-desist demand. Your letter should clearly state:
“I am exercising my right under 15 U.S.C. § 1692c to demand that Holloway Credit Solutions cease all communication with me regarding the alleged debt referenced as account number [insert number].”
Send via certified mail with a return receipt. After receiving this letter, Holloway Credit Solutions can only contact you to confirm cessation or notify you of specific lawsuits they’re filing. Any other contact violates federal law.
Step 4: Report Violations to Authorities
File complaints with:
- Contact The Wood Law Firm: Call +1 844-638-1122 for a free consultation.
- Federal Trade Commission (FTC): Investigates consumer protection violations at ftc.gov
- Alabama Attorney General: State-level consumer protection enforcement
- Your State Attorney General: If you live outside Alabama
These complaints create public records and may trigger investigations.
Step 5: Contact The Wood Law Firm
If Holloway Credit Solutions continues harassment despite your efforts, professional legal intervention becomes necessary. Call +1 844-638-1122 for a free consultation. We handle all collector communication while building your case for maximum damages.
Also read: Stop Apex Asset Management Debt Collection Harassment
Distinguishing Legitimate Collection from Scams
Understanding the difference between legitimate debt collection and fraudulent schemes protects you from unnecessary stress and financial loss.
Signs of Legitimate Debt Collection:
- Written Validation Notice: Legitimate collectors must send written validation within five days of first contact, including the amount owed, the creditor’s name, and your rights to dispute.
- Clear, Transparent Communication: Legitimate collectors provide straightforward information about your debt and answer questions without evasion or pressure tactics.
- Compliance with Federal Laws: They follow FDCPA regulations, refraining from harassment or unethical tactics.
Red Flags of Scams:
- Unusual Payment Methods: Scammers often demand payment through gift cards, cryptocurrency, or wire transfers—methods that are difficult to trace or reverse.
- High-Pressure Tactics: Threats of immediate arrest, criminal charges, or other dire consequences without proper court documentation indicate potential fraud.
- Refusal to Provide Verification: If the collector cannot provide written proof of the debt or details about the original creditor, this suggests a scam operation.
Steps to Verify Legitimacy:
- Research the agency on collection agency lists to confirm they’re registered and licensed
- Request documentation before making any payments
- Contact the original creditor to verify the debt assignment
- Check accreditation with organizations like ACA International
Can Holloway Credit Solutions Garnish Wages or Sue You?
Understanding what Holloway Credit Solutions can legally do helps you identify false threats.
Wage Garnishment Requirements: Holloway Credit Solutions cannot garnish wages without filing a lawsuit, serving you with proper legal notice, winning a court judgment, and obtaining a separate wage garnishment order. Exception: Federal student loans and tax debts allow administrative garnishment without court judgments.
State Garnishment Protections: Federal law caps garnishment at the lesser of 25% of disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum wage. State laws may provide additional protections.
Lawsuit Time Limits: Holloway Credit Solutions can only sue if your debt falls within your state’s statute of limitations, typically 3-6 years, depending on the debt type. After this period expires, the debt becomes time-barred, and they cannot legally sue you, though they may still attempt collection.
Making payments or acknowledging very old debts can restart the statute of limitations, giving collectors additional time to pursue legal action.
Responding to Lawsuits
If Holloway Credit Solutions files a lawsuit against you, immediate action is critical.
Never Ignore Court Documents: Ignoring a lawsuit results in default judgments that grant Holloway Credit Solutions significant collection powers, including wage garnishment and bank account levies. Even if you believe the debt isn’t valid, you must respond to protect your rights.
Verify Lawsuit Legitimacy: Check court records directly through the court clerk’s office, verify the case number and filing date, and confirm you were properly served according to your state’s service rules.
File Your Answer on Time: Most states require written responses within 20-30 days of service. Your answer should specifically admit or deny each allegation, raise affirmative defenses (expired statute of limitations, lack of documentation), and assert counterclaims for FDCPA or TCPA violations if applicable.
Examine Their Evidence: Holloway Credit Solutions must prove you owe the debt, the amount is accurate, they own the debt or are authorized to collect it, and the statute of limitations hasn’t expired. Many collectors struggle to provide complete documentation chains, especially for debts sold multiple times.
Get Legal Representation Immediately: Consumer protection attorneys identify defenses and counterclaims that shift leverage to you. Call The Wood Law Firm at +1 844-638-1122 for immediate lawsuit assistance.
About The Wood Law Firm
At The Wood Law Firm, our mission is to protect consumers from predatory practices and ensure they receive fair treatment under federal law. We specialize in cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). For over a decade, we have worked to hold companies accountable and secure justice for our clients.
Choosing The Wood Law Firm means partnering with a team deeply committed to protecting your consumer rights. We understand the stress and frustration that comes with facing potentially unfair collection practices, and we stand by your side throughout the process. Our personalized approach, combined with extensive experience and national reach, makes us equipped to handle your consumer protection needs.
The Wood Law Firm has cultivated strong Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia.
Call +1 844-638-1122 for a free case evaluation.
About Attorney Jeff Wood
Jeff Wood is an accomplished attorney based in Arkansas, where he is fully licensed to practice law. With over 15 years of experience, Mr. Wood specializes in consumer protection, focusing on cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). His commitment to defending consumer rights has helped countless clients find relief from potentially unlawful debt collection practices.
Real Client Outcomes
Case Study: Third-Party Disclosure Violations – $3,300 Recovery
Holloway Credit Solutions called Robert’s older mother six times over two weeks, discussing his debt in detail. These unauthorized third-party disclosures violated the FDCPA and caused his mother significant distress. The Wood Law Firm documented the violations and secured $3,300 in damages. All harassment stopped immediately.
Case Study: Excessive Calling Pattern – $2,600 Settlement
Amanda received 10-14 calls daily from Holloway Credit Solutions for nearly three weeks despite repeatedly requesting that they stop. After contacting The Wood Law Firm, we documented the excessive calling pattern and filed suit. We obtained a $2,600 settlement and permanently stopped all collection attempts.
Case Study: Time-Barred Debt Collection – $3,100 Damages
Holloway Credit Solutions pursued David for a seven-year-old debt beyond his state’s statute of limitations, threatening lawsuits and wage garnishment. These threats violated state law prohibiting the collection of time-barred debts. The Wood Law Firm secured $3,100 in damages and obtained a permanent cease-and-desist order.
Frequently Asked Questions About Holloway Credit Solutions
Who is Holloway Credit Solutions?
Holloway Credit Solutions is a debt collection agency based in Montgomery, Alabama, operating for over 100 years, according to Better Business Bureau records. Despite their long history, they face ongoing consumer complaints about aggressive collection tactics and potential FDCPA violations.
Is Holloway Credit Solutions a scam?
No, Holloway Credit Solutions is a legitimate debt collection agency, not a scam. However, their aggressive collection tactics and numerous consumer complaints have led some people to question their legitimacy. Always verify debts they claim you owe before making payments.
What are common complaints about Holloway Credit Solutions?
Common complaints include repeated daily calls, harassment, abusive or threatening language, unauthorized disclosure of debts to family or employers, unverified debt claims, and attempts to collect time-barred debts beyond the statute of limitations.
Can Holloway Credit Solutions garnish my wages or sue me?
They can only garnish wages after filing a lawsuit, winning a court judgment, and obtaining a garnishment order. They can sue if your debt is within your state’s statute of limitations (typically 3-6 years). Threats of immediate garnishment without a judgment may violate federal law.
What are my rights under the FDCPA and TCPA?
The FDCPA protects you from harassment, threats, calls outside 8 AM-9 PM, and unauthorized third-party disclosures. The TCPA prohibits robocalls to cell phones without consent and limits call frequency. You can request debt validation, send cease-and-desist letters, and sue for violations.
How can I stop harassment from Holloway Credit Solutions?
Document all calls, send a written cease-and-desist letter via certified mail demanding no further contact, dispute the debt in writing, contact The Wood Law Firm at 844-638-1122, and report violations to the CFPB, FTC, and your state Attorney General.
Can I sue Holloway Credit Solutions for harassment?
Yes. If they violate the FDCPA or TCPA through harassment, excessive calls, false threats, or unauthorized contact, you can sue for statutory damages up to $1,000 (FDCPA) or $500-$1,500 (TCPA) per violation, plus actual damages and attorney fees paid by the violating collector.
What counts as harassment by Holloway Credit Solutions?
Harassment includes calling multiple times daily, using threats or profane language, calling outside 8 AM-9 PM hours, contacting third parties about your debt, continuing calls after cease-and-desist requests, and making false threats about legal action they cannot legally pursue.
Can Holloway Credit Solutions contact my employer or family?
They cannot discuss your debt with anyone except your attorney or spouse. They may only contact others to locate you and cannot reveal that they’re collecting a debt. Discussing debt details with family or employers violates the FDCPA.
How can The Wood Law Firm help me with Holloway Credit Solutions harassment?
We stop harassment immediately upon retention, document all FDCPA and TCPA violations, file complaints and legal notices, represent you in legal proceedings, and pursue statutory damages plus actual damages. We work on contingency; you pay nothing unless we win. Call 844-638-1122 today.
Take Action Against Holloway Credit Solutions Today
Don’t let Holloway Credit Solutions’ century-long history intimidate you into accepting illegal harassment. Federal law provides powerful tools to stop their abuse and recover compensation.
Call +1 844-638-1122 to speak with experienced consumer protection attorneys. During your free consultation, we will review your situation in complete detail at no cost, identify specific FDCPA and TCPA violations Holloway Credit Solutions committed, explain all legal options clearly, stop harassment immediately upon retention, and pursue maximum compensation through settlement or litigation.
Important Time Limits: FDCPA claims must typically be filed within one year of violations. TCPA claims generally have a two-year statute of limitations. Don’t delay, contact us today to protect your rights and hold Holloway Credit Solutions accountable.
A long history doesn’t excuse illegal behavior. Let us help you fight back and recover the damages you deserve.
