Bull City Financial Solutions on Your Credit Report? Fight Back and Win

Last Updated:
June 30, 2023

As who's been through it can attest, dealing with debt collectors and navigating the collections process can be an overwhelming experience. If Bull City Financial Solutions has contacted you recently in an attempt to collect a debt, it’s important that you understand how to properly handle the situation – there are certain protocols that must be adhered to on both sides.

In this blog post, we will provide tips for managing collections activity from Bull City Financial Solutions in order to ensure that your rights are protected and clear communication is maintained throughout the entire process.

What Does Bull City Financial Solutions Do?

Debt collectors like Bull City Financial Solutions - founded in Durham, NC in 1975 - are responsible for collecting unpaid debts from consumers or companies. Debt collection can involve anything from phone calls, emails, letters and other communication tools to make sure that creditors gain maximum repayment on the debt.

By working with a third-party debt collector like Bull City Financial Solutions, the original creditor is able to save money in labor costs while also increasing the probability of being reimbursed on their bad debt. 

Is Bull City Financial Solutions a Legit Company?

Yes, Bull City Financial Solutions is a real company. If the company is contacting you, be sure to confirm their contact information below:

  • Phone Number: (800) 489-7999
  • Address: 2609 N. Duke St., Ste. 500 Durham, NC 27704
  • Website: http://www.bullcityfinancial.com/
  • BBB Rating: 1/5 

While the company is not a scam, there are con artists who will impersonate legitimate collections agencies to extract payment for nonexistent debts. Be sure to verify the legitimacy of any debt collection agency that contacts you.

Why is Bull City Financial Solutions Calling? 

Being contacted by Bull City Financial Solutions regarding an outstanding debt can be a stressful experience - especially if you didn't realize you owed money in the first place. Often, what appears to be an unknown debt can be explained away simply by changes of address or not receiving notification of the bill - this may lead to unpaid debts that simply remain unnoticed until they become seriously delinquent. 

However, it is also possible that the debt does not belong to you at all, or that the amount requested is inaccurate. Here are some of the circumstances where this could happen:

  • Paid debts that appear on your credit report
  • Debt collectors attempting to collect payment for an account not belonging to you
  • Unauthorized accounts opened in your name due to identity theft
  • Falsely reported late or unpaid debts that you have actually paid in full 

If you believe one of the debts being collected by Bull City Financial Solutions may not be yours, or that you have already paid those charges off completely, you should take action. Contact us at Fair Credit - we offer free case reviews, and can help you to remove any errors from your report. Our team will handle all disputes on your behalf.

What Can I Do If I’m Being Harassed by Bull City Financial Solutions?

The FDCPA was enacted in 1978 to ensure that debt collectors do not use intimidating or aggressive tactics such as lying, using profane language or threatening to take action they can't legally take. Being aware of your legal protections will empower you to stand up for yourself if Bull City tries to cross any established boundaries. 

Here are some of the prohibited behaviors under this law:

  • Calling debtors before 8 AM or after 9 PM without the debtor's consent
  • Contacting third parties such as employers or neighbors about a debtor's financial situation
  • Falsely representing that one is an attorney or law enforcement officer
  • Threatening criminal action for nonpayment of a debt
  • Using obscene and/or profane language in communication with the debtor
  • Harassing and intimidating debtors by repeated phone calls
  • Failing to provide written notification of the debt within five days of initial contact with the debtor
  • Making false statements regarding interest rates, fees, or other charges associated with the debt

Having written proof such as records of correspondence or telephone conversations will give you the upper hand if any violations arise, giving you better chances of holding Bull City Financial Solutions accountable. 

It is also beneficial to consult a skilled lawyer before taking legal action - they can provide guidance and advice on what options to pursue so that you don't make any costly mistakes in protecting your rights.

Who Does Bull City Financial Solutions Collect For?

Bull City Financial Solutions provides debt collection services for debts related to government and municipalities, healthcare, education, utility, retail, and financial institutions. Each kind of debt has different protections and rights — for instance, congress recently passed legislation providing enhanced protections to those dealing with unpaid medical bills.

If you're unsure of how best to manage your unique situation, seeking the advice of legal counsel might be the wisest option. Understanding your rights can help ensure that you make the best decision for resolving your debt.

How Can I Get Bull City Financials Off My Credit Report? 

Debt collections from Bull City Financial Solutions can make it difficult to get approved for loans and other financial services. Fortunately, there are several steps you can take to permanently remove this item from your record. Here are a few steps you can take:

  • Get a copy of your credit report and verify if the collection is accurate to the best of your knowledge. 
  • If not, contact Bull City Financial Solutions directly and explain why the debt should not be listed on your report. 
  • Request an agreement to delete it, or offer an alternative solution such as a settlement agreement.
  • If that doesn't work, consider opening a dispute with the major credit reporting bureaus, who will investigate the item and determine if it needs to be removed or updated. 

Whatever method you choose, accelerating the process is in your best interest - if you find you need guidance throughout the process, a qualified attorney can help walk you through each step and maximize your odds of a favorable outcome.

Contact Us For Your Free Case Review

At Fair Credit, we recognize how important consumer protection is. Facing up to Bull City Financial Solutions may seem intimidating, but it doesn’t have to be – that’s why our team of legal experts is here to help you take a stand. Contact us today!

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