Who Is Carter-young? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Carter-young is a debt collection agency or debt buyer, based on its listing in the CFPB complaint database — meaning it either collects debts on behalf of an original lender or bought old, charged-off accounts to try to collect them itself. If they've contacted you about a debt:
- They're generally required to send you something in writing within five days of first contact, and you have 30 days to dispute it — see debt validation request.
- Being contacted doesn't necessarily mean a lawsuit is coming, but collectors can and do sue over unpaid balances — check how long they can legally wait to sue in your state.
- If this is the first time they've reached out, see what to do the first time a collector contacts you.
- Carter-young's most common CFPB complaint issue has a direct next step — see what to do about it.
Questions & Answers
Is Carter-young a legitimate debt collector?
Carter-young shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Carter-young from calling me?
Under the FDCPA, you can send Carter-young a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Carter-young?
Send a written debt validation request within 30 days of first contact — the collector must then verify the debt before continuing collection. Use the debt validation letter tool to generate one.
— US Debt Compass Editorial Team
Is Carter-young on my credit report?
If Carter-young is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team