Is Kingston Data and Credit legit?

_{Kingston Data and Credit legit, if Kingston Data and Credit is legit, Alberta}

Kingston Data and Credit is a Canadian debt collection agency that’s open for business but has a history of consumer complaints, particularly about unauthorized debt reports and contract disputes. A related U.S. parent company has faced legal issues over aggressive collection. So, proceed with caution and keep an eye out when dealing with them. Reach out via phone, text, or live chat if you have any questions.

Show Table of Contents

_{Beware of Kingston Data and Credit’s debt collection practices.}

Kingston Data And Credit Legit Question

Is Kingston Data and Credit legit? Is Kingston Data and Credit a real company, or should I be cautious about dealing with them?

From: Anonymous Question
Location: Red Deer, Alberta (AB)
Category: debt settlement

Kingston Data And Credit Legit Answer

Imagine you’ve stumbled across Kingston Data and Credit, adebt collection agency in Canada. This company’s up and running, but it seems it’s racked up a fair share of complaints on BBB, mostly about unauthorized debt reports and some head-scratching contract disputes. So, if you find them on your caller ID, you might want to do a bit of a double-check before hitting the call back button. There’s an interesting twist: there’s a link to a parent company over in the U.S. that’s had its fair share of courtroom drama over some pretty intense collection techniques. All in all, while the company’s doors are definitely open for business, it might not hurt to keep your consumer’s magnifying glass handy when dealing with them.

If a debt collector contacts you, start by gathering key details like their name, company, and the creditor they represent.

Request clear information about the debt, including the amount owed, the original creditor, and the debt’s timeline.

Confirm the debt collector’s legitimacy and cross-check their claims with your records to ensure accuracy.

Ask for written validation of the debt, which collectors are legally required to provide within five days.

Avoid sharing sensitive financial details until you’ve verified the collector’s identity.

If the debt is valid and the amount is accurate, consider paying it or negotiating a payment plan.

If you need more time, inform the collector you’ll follow up after reviewing the details.

Maintain detailed records of all conversations with the debt collector.

Know Your Rights

You can request that collectors only contact you in writing. Debt collectors are prohibited from using harassment or abusive tactics. You have the right to ask them to call at a more convenient time or place.

From: Insider Scott

Office of the Superintendent of Bankruptcy (OSB) Answer

I cannot find specific information about Kingston Data and Credit in the provided legal sources. It is important to exercise caution and conduct thorough research about any debt-related service providers. Consider checking for reviews, their registration with regulatory bodies, and whether they comply with regulations under the Bankruptcy and Insolvency Act (RSC 1985, c 11) or the related regulations (SOR/2007-256), which govern debt relief services in Canada. Without additional verification from these sources, it is advisable to be cautious when dealing with Kingston Data and Credit.

From: OSB Helper

Related Questions to If Kingston Data And Credit Is Legit

Here are the top 5 most frequently asked questions related to the legitimacy of Kingston Data and Credit, based on common concerns and online trends:

1. Is Kingston Data and Credit a legitimate debt collection agency?

• Yes, Kingston Data and Credit is a legitimate debt collection agency, although it has faced several complaints and legal issues.

2. How do I handle harassment from Kingston Data and Credit?

• You should inform the company that you will only take calls from their attorney, send a cease and desist letter, and report any further contact to relevant authorities.

3. Can Kingston Data and Credit affect my credit score?

• Yes, Kingston Data and Credit can report collection accounts to credit bureaus, which can negatively affect your credit score.

4. What if I dispute a debt collected by Kingston Data and Credit?

• You should request documentation to prove the debt, and if the debt is disputed, the company may close the file and remove the reported item from your credit bureau.

5. How do I know if Kingston Data and Credit has the right to collect a debt from me?

• You should verify the existence of a signed contract or agreement with the original creditor and ensure that Kingston Data and Credit has provided you with the necessary documentation to support the debt.

If you have a question about debt see our debt questions or ask your own debt related question.

References

_{Table of article references}