#1 Way to Remove 'Kason Credit Corporation' (Hurting Your Score)

Most often it's because a collector believes you owe an unpaid account they bought or were assigned - consumer loans, credit-card balances, medical bills or old charged-off accounts - and they're trying to verify and collect payment; sometimes the call is just a skip-trace to confirm your contact info or locate a co-signer. If the calls are frequent, threatening, use obscene language, or continue after you ask them to stop, those actions can cross into illegal harassment under the FDCPA. ([investopedia.com](https://www.investopedia.com/financial-edge/0312/what-debt-collectors-c…))

Don't panic: ask for written validation right away and refuse to give sensitive info over the phone; send your validation/dispute by certified mail and keep copies and timestamps of every contact so you have proof if the account is wrong. Errors on reports are common - U.S. PIRG found problems in 79% of reports - so document everything, insist on proof of the original creditor and chain of ownership, and consider a consumer-attorney or certified credit-help pro if the collector can't validate or the debt appears incorrect. U.S. PIRG: 79% of reports contained errors. ([nerdwallet.com](https://www.nerdwallet.com/article/finance/debt-validation-letter?utm_s…), [pirg.org](https://pirg.org/resources/mistakes-do-happen/?utm_source=chatgpt.com))

They handle both consumer and commercial accounts - everything from secured and unsecured loans to medical and rental charge‑offs.

Their site testimonials and business profile show clients across banks, credit unions, property managers, medical providers, and transport firms, so you'll see collections tied to overdrafts, repossessable asset loans, tenant evictions, ambulance/medical bills, and commercial receivables; confirm specifics on the BBB profile for Kason Credit.

Always verify the account source before paying. Request written validation, check statute‑of‑limitations rules, and dispute any wrong entries - credit repair or formal disputes can stop inaccurate tradelines from damaging your score.

• Secured loans (asset‑backed, repossession/remarketing)
• Unsecured consumer loans and credit accounts
• Bank/credit union accounts and overdrafts
• Apartment rental charge‑offs from evicted tenants
• Transportation and carrier debts (freight, hauling, related fees)
• Small‑business receivables and commercial accounts
• Medical bills and patient self‑pay balances

Yes - Kason Credit Corporation is a legitimate, licensed Connecticut consumer collection agency. Records indicate licensing back to 1979, and the company is listed as BBB‑accredited with an A+ rating.

• License check: state records show Kason as a Connecticut collection agency (licensed since 1979).
• BBB status: A+ accreditation and a public complaint file you can review.
• Debt validation: a lawful collector will provide a written validation notice - don't pay until you get it.
• Verify independently: confirm the license via Connecticut Department of Banking license search.
• Scam red flags: urgent payment demands by wire/crypto/gift cards, pressure to give SSN or bank info on unsolicited calls, caller‑ID spoofing, threats of arrest.
• Safety step: refuse to share personal data on calls; insist on written proof and keep copies of every communication.

If contacted, request validation in writing, document everything, dispute inaccuracies with the bureaus, and report suspicious or abusive behavior to the FTC and CT Department of Banking - and if they demand wired gift cards, hang up and laugh (then report them).

If you need to reach Kason Credit Corporation about a collection or dispute, contact them using these verified numbers and their Enfield, CT address and always document communications.

Always verify unsolicited calls and send dispute letters by certified mail to create a paper trail; official contact options:

• Phone (local): (860) 749-4999.
• Phone (toll‑free): (800) 949-7753.
• Mailing address (use certified mail for disputes): 90 Enfield Street, Enfield, CT 06082.
• Online contact: Kason Credit contact form.

Verify any caller claiming to be Kason before sharing personal info.

You're protected by the Fair Debt Collection Practices Act, which gives you the right to demand proof of the debt, limit or stop contacts, and be free from abusive or deceptive tactics.
Under the FDCPA you can require Kason Credit Corporation to validate any alleged debt within 30 days of their first written notice; you may dispute the debt in writing and they must pause collection while verifying. Collectors may not harass you with repeated calls, threats, obscene language, false representations about the debt or legal action, or contact you at inconvenient times without your consent (generally before 8:00 a.m. or after 9:00 p.m. local time), nor may they disclose details to third parties except to locate you.

Practical steps: send a written debt-validation request immediately and keep copies and proof of delivery; if calls don't stop, send a clear cease-and-desist letter by certified mail and save the tracking receipt; log dates, times, and content of every contact. For plain-language federal guidance on collector limits and your options see what debt collectors can and cannot do.
If Kason violates your rights, preserve evidence and file complaints with the FTC and your state attorney general, and consider a consult with a consumer attorney or a trusted credit expert to pursue removal, damages, or negotiated resolution - FDCPA violations can yield statutory or actual damages plus attorney fees, so don't let sloppy collectors push you around.

Send a written debt-validation demand to Kason Credit Corporation by certified mail right away - do this within 30 days of their first contact and keep the certified-mail receipt and tracking number.
Include a clear statement that you dispute the debt and request validation. Photograph the mailed envelope (front and back) and the postmark as timestamped proof before you send it, and keep copies of everything.

In the letter name the account number, your full name, address, the date they first contacted you, and the exact amount they claim you owe. Demand copies of the original creditor agreement or signed contract, an itemized payment history, proof of any assignment or chain of title, and the name/address of the original creditor; state that you expect collection to cease until they provide those documents.

If Kason fails to produce acceptable validation within a reasonable time (typically 30 days), they may be violating the FDCPA and cannot lawfully collect that debt - document the failure and file a complaint with CFPB. Keep your photos, certified-mail receipts, and copies, dispute any bureau reporting in writing, and consult an attorney if they continue collection or credit reporting despite lacking validation.

Start by disputing the entry in writing immediately to Kason and to each credit bureau, attaching identity-theft proof so the item is investigated and - if wrong - removed.

Gather everything first: copies of your ID, recent utility or bank statements showing your address, any fraud or police report, and an FTC identity-theft report when appropriate. Send a written dispute to Kason (certified mail, return receipt) and to Equifax, Experian, and TransUnion. Ask Kason for debt validation under the FDCPA and demand they stop reporting until they validate. Keep dated copies of every page and every mailing receipt.

• Write a clear dispute letter listing the account, why it's not yours, and what outcome you want.
• File disputes with each bureau and include copies of your evidence and an identity-theft affidavit (see FTC identity theft sample letters).
• Send a written validation request to Kason and preserve proof of mailing.
• File a police report and an FTC identity-theft report if identity fraud is suspected.
• If Kason or the bureaus don't fix it, file a complaint with the CFPB and keep records for legal action.

Under the FCRA the bureaus must investigate disputes (generally within 30 days) and correct or remove inaccurate information; furnishers that can't validate must stop reporting the account. About 25% of CFPB

Yes - federal rules place clear limits: collectors can't freely call your workplace, broadcast debts on social media, ring you at midnight, or gossip to your friends and family.

• They may not contact you at work if you tell them (or your employer) that calls there are prohibited.
• They must avoid social-media posts or public messages that reveal the debt; private messages still risk disclosure and are effectively banned if they reveal account details.
• Calls are limited to 8:00 a.m.–9:00 p.m. local time unless you give explicit permission for other hours.
• Third‑party contacts (friends, family, coworkers) are allowed only to obtain your location information, and usually only once; collectors may not discuss the debt with those people.
• If they violate these rules, document everything and report violations at report debt collection fraud to the FTC.

Collectors often test limits; that's normal but fixable. Keep calm. Ask for written proof of the debt. Send a written cease‑and‑desist or validation request by certified mail. Note times, phone numbers, exact wording, and save texts/screenshots.

• Practical remedies: send a written validation request and a written cease‑and‑desist (certified mail, return receipt).
• Log every contact: date, time, caller, phone number, and verbatim words.
• Record calls if your state permits (or if you consent), because recordings strengthen complaints.
• If violations continue, file complaints with the FTC and your state attorney general, and consider consulting a consumer‑protection attorney.

Demand immediate cessation: send a certified cease-and-desist letter that says 'no calls, no texts, no contact,' request written validation of the debt, mail it certified with return receipt, and keep all proof.

Document every contact - date, time, number, and voicemail; use a Call Recorder app where your state allows recording - and preserve texts and letters as evidence. Use that evidence to report to CFPB (or file a complaint with CFPB) and your state attorney general, and tell any attorney about Tedeschi v. Kason Credit Corp (2010), where excessive calling supported FDCPA claims.

If they ignore the letter, consult a consumer attorney about FDCPA remedies or a cease‑and‑desist lawsuit, and consider professional credit repair to dispute or challenge the underlying listing while you pursue enforcement; act quickly and follow state recording and statute‑of‑limitations rules.

Yes - but only when the contract or law allow it, and those added amounts must be disclosed and provable.

A debt collector must provide a written validation notice that shows the current balance and an itemization of interest, fees, payments and credits; any interest or fees included on the balance should appear on that notice. CFPB validation notice rule. ([consumerfinance.gov](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_s…))

Practically that means Kason (or any collector) can roll on interest/late fees only if the original contract, the note, or applicable state law permits those charges. State usury and contract rules vary, so what's legal in one state may be unlawful in another. ([findlaw.com](https://www.findlaw.com/state/california-law/california-interest-rates-…), [bankdeets.com](https://www.bankdeets.com/usury-limits-by-state/?utm_source=chatgpt.com))

If you see extra charges you didn't agree to, dispute in writing during the validation period and demand an itemized breakdown and proof the fees are allowed; collectors must pause collection on disputed portions until they verify the debt. Sending a written dispute and asking for the original creditor and itemization forces them to show the math. ([consumerfinance.gov](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_s…))

Tip you can use right away: request an itemized accounting immediately and keep records - CFPB reporting shows medical-debt collection complaints (inaccuracies and billing problems) are common (about 15% of complaints), so overcharges happen often enough to be worth checking. If charges look improper, raise a formal dispute, reference state usury limits, and consider a consumer-attorney consult. ([pymnts.com](https://www.pymnts.com/news/cfpb/2023/cfpb-medical-bills-account-for-15…), [bankdeets.com](https://www.bankdeets.com/usury-limits-by-state/?utm_source=chatgpt.com))

No - a collector must sue you and win a court judgment before your wages can be garnished or your bank account frozen; they can't just take money without court process and proper notice.

Federal and state rules protect many payments and limit garnishments. Social Security, SSI, most VA benefits, and many unemployment payments are exempt from private creditor garnishment. Wage garnishment is capped by federal law (generally the lesser of 25% of disposable pay or the amount by which weekly disposable earnings exceed 30× the federal minimum wage), and many retirement accounts enjoy protection too.

If you get sued or served, act fast: respond by the deadline to avoid a default judgment, file exemption claims if applicable, and demand debt validation. Many garnishments fail because collectors never properly served the defendant, so track mail and court notices closely. For a plain summary of your rights and the garnishment process, see the FTC guide on debt collection.

• Protected assets: Social Security/SSI, VA disability, most unemployment, many ERISA retirement plans, some IRAs (state rules vary).
• Immediate steps: check service of process, respond to the summons, file exemptions with the court, request debt validation, negotiate before judgment, consult a consumer attorney or legal aid, and monitor mail closely.

Kason Credit shows an A+ BBB rating, has been BBB‑accredited since April 13, 2015, and the BBB record lists just three complaints in the standard three‑year window - mostly billing/collection issues. (bbb.org)

• Rating: A+ and BBB‑accredited since 4/13/2015. (bbb.org)
• Complaints: Three complaints in the BBB three‑year summary, largely about billing and collections; the low volume generally suggests compliant practices per BBB guidance. (bbb.org)
• Consumer notes: Independent reviews (RevDex) report occasional delays in updating credit bureaus after payment - worth watching if you pay and expect prompt reporting. (revdex.com)
• Verify current status at the BBB profile for Kason Credit Corporation. (bbb.org)

Kason rarely appears in large class actions; most wins are individual FDCPA suits and a recent state enforcement action.

• No major nationwide class-action against Kason located in public records.
• Tedeschi v. Kason (2010) - reported individual FDCPA suit for harassing calls.
• Connecticut enforcement: a 2024 consent order fined Kason $5,000 for license violations; see Connecticut consent order (2024).

Small collectors rarely trigger class cases because their portfolios and practices are limited; systemic, repeatable misconduct is what fuels class certification. Individual claims succeed when collectors breach the FDCPA - harassment, misstatements, calling after written cease requests, or failing to validate debts.

Think of class actions as reserved for widespread, repeatable abuses; isolated harassment suits are where consumers typically win.

If Kason contacted you, preserve evidence. Save call logs, voicemails, texts, letters, and account numbers. Send a written debt-validation request via certified mail. File state complaints (attorney general or debt-collection regulator) and a CFPB complaint if applicable. Consider small-claims court or an FDCPA lawsuit with a consumer lawyer if violations occurred. Monitor your credit reports and dispute any inaccurate items.

Monitoring tips:

• Check PACER for new federal filings regularly.
• Watch state regulator dockets (like the CT DOB order above).
• Review BBB and consumer forums for patterns.
• Pull your three credit reports and freeze or dispute errors.
• Consult a consumer attorney before settling or negotiating.

Do not ignore the notice - verify the debt immediately and demand written validation within 30 days.

First, compare the notice to your records: note the account number, original creditor, date of last activity, and amount claimed. If anything is unfamiliar or the numbers don't match, you must send a written validation request to the collector within 30 days of first contact. Use clear language asking them to prove the debt's validity and ownership, and keep a copy of your request.

Send that request by certified mail with return receipt and keep the tracking and signed receipt; using certified mail trackers for proof of receipt strengthens CFPB complaints if ignored. Keep all paper and digital copies: the notice, your mailed letter, tracking records, and any responses. Log every call: date, time, the rep's name, and what was said. Never admit the debt is yours during calls.

If the collector fails to validate, or the validation shows errors, dispute the entry with each credit bureau where it appears and include supporting documents. Send disputes by certified mail and demand removal of incorrect listings. If the debt is time-barred, state that in writing; collectors can still try to collect, but you may have legal defenses - avoid making payments that reset the statute of limitations without advice.

Documenting everything matters more than you think: proof of your mailed validation, receipts, call logs, and copies of disputes form the backbone of an effective CFPB, FTC, or state attorney general complaint. Consider how the entry affects your credit: pull current reports, watch for re-entries, and decide whether to negotiate only after validation. If you're sued, seek legal advice immediately.

If the collector violates the FDCPA or ignores validation, file complaints with the CFPB, your state attorney general, and the FTC and attach your certified-mail proof. You can also request a cease-and-desist in writing, but be aware that stopping contact doesn't eliminate the debt or prevent a lawsuit. Stay organized, act fast, and treat paper and tracking proof as your strongest tools.

Ignoring collection calls or letters won't make the debt vanish and usually makes matters worse by increasing your risk of *credit damage*.

Collections lower scores and can knock your FICO down - ignoring a valid collection can shave up to 100 points per FICO models - and may lead to *potential lawsuits*, judgments, wage garnishments, or bank levies if the collector sues and wins.

If you can't pay, act fast: request debt validation, send a hardship or settlement letter, propose a payment plan, or negotiate a reduced lump-sum. Consider a credit-repair assessment to challenge invalid items first (see CFPB debt collection rights), since fixing errors often helps more than ignoring collections.

If debt is unmanageable, get a *bankruptcy consultation* or contact a consumer attorney or HUD‑approved credit counselor - many offer free or low‑cost advice and can explain protections and next steps.

Not necessarily - accepting a reduced payoff can be sensible when you can't pay in full, but it carries concrete costs you must weigh first.

• Pro: Lowers what you owe now and can stop collection calls fast.
• Pro: Can avoid court or wage garnishment if negotiated correctly.
• Con: Forgiven debt may trigger a 1099‑C and taxable income; check with a tax pro.
• Con: Accounts marked 'settled' or 'paid‑settled' often hurt score more than 'paid in full.'
• Con: Deletions are rare unless you negotiate them; never assume they'll remove the tradeline.
• Tactical tip: Always ask for deletion or pay‑for‑delete and use debt validation disputes, documentation gaps, or time‑bar status as leverage.

Do not pay until you get a signed, dated settlement that lists amount, payment deadline, and any deletion promise. Save all correspondence. If a 1099‑C arrives, consult a tax advisor. If deletion isn't on paper and the credit/tax hit matters, pursue validation, dispute errors, or legal/tax help before paying.

They can sue you for a valid unpaid account within your state's time limit, but they cannot have you arrested simply for not answering collection letters.

A collector or the original creditor can file a civil lawsuit to get a judgment if the debt is timely and proven; a judgment can lead to wage garnishment, bank levies, or liens depending on state law. Statutes of limitation vary (commonly about 3–6 years), so whether a suit is possible depends on when the debt originated.

Owing money is not a crime - arrest only applies if there's criminal conduct (fraud) or if you disobey a court order once a case is already in court. If you receive a summons, do not ignore it: failing to answer typically creates a default judgment in the creditor's favor. Check your state limits with the state statute-of-limitations chart.

If contacted, respond in writing, request debt validation, and confirm the debt isn't time‑barred before paying. If sued, file an answer promptly, consider disputing the claim, negotiate in writing, and get legal help or a consumer law clinic to avoid default and preserve defenses.

Report the conduct to federal and state regulators right away, and be prepared to sue the collector under the FDCPA or in small‑claims court if the violations continue. You can file a complaint with the CFPB, report the behavior to the FTC, and also notify your state attorney general so regulators can investigate and (sometimes) force fixes or refunds. ([consumerfinance.gov](https://www.consumerfinance.gov/complaint/), [fdic.gov](https://www.fdic.gov/consumer-resource-center/having-problem-debt-colle…))

If you bring a private claim you can seek actual damages, statutory damages (up to $1,000 per individual lawsuit), plus costs and reasonable attorney's fees; cases can be filed in small‑claims or state/federal courts and the FDCPA generally has a one‑year limitation period. Courts have enforced FDCPA claims against collection lawyers and agencies (see Barletta v. Tedeschi as an example of FDCPA litigation). ([law.justia.com](https://law.justia.com/codes/us/title-15/chapter-41/subchapter-v/sec-16…))

Collect everything: call logs, timestamps, recorded messages (check your state's consent rules first), texts, letters, credit‑report screenshots, and proof of harm (lost wages, medical bills). Many consumer attorneys handle FDCPA cases on contingency and FDCPA fee‑shifting means a winning plaintiff can recover attorney fees, so contact a consumer‑rights lawyer for a free review if you want to turn evidence into a claim. ([justia.com](https://www.justia.com/50-state-surveys/recording-phone-calls-and-conve…), [starks.law](https://www.starks.law/articles/hire-an-fdcpa-attorney/?utm_source=chat…))

Often you can avoid paying collection demands - but only when the account is invalid, unverified, or legally time‑barred; otherwise walking away usually brings risk.

If the collector can't prove the debt is yours or they fail to validate it, you can dispute the entry with the furnisher and the credit bureaus and insist on written validation (do this in writing and keep copies). Start by sending a debt‑validation request and formal disputes, follow FCRA/FDCPA procedures, and read the FTC guide on debt collection for what collectors must prove; never admit the debt or make a partial payment on a time‑barred balance unless you want the clock restarted.

Caveats matter: ignoring collectors can lead to lawsuits - which you must answer - and bankruptcy discharges some debts but has long‑term credit consequences and exceptions; legitimate credit‑repair disputes can remove unverifiable entries without payment, but avoid shady firms and get free or low‑cost legal help if sued or unsure.

Pick credit repair when the Kason entry is wrong, unverifiable, or tied to identity theft; if the debt is valid, paying directly only after you negotiate deletion or a settlement makes more sense. Credit repair (DIY or a reputable company) focuses on disputing and removing inaccurate tradelines without paying, which can restore points quickly - per Experian removals can boost scores roughly 30–100 points - while a straightforward payment usually becomes a 'paid collection' that still dents your score.

Credit repair takes time, can cost fees, and some firms overpromise, so verify credentials and track every dispute.

If the account is legitimate, try to negotiate: demand validation first, then seek a written pay‑for‑delete or a settled‑for‑less with deletion before sending money; get everything in writing and keep copies. If you're unsure, start with a debt‑validation letter and a bureau dispute, and then consult a certified credit counselor or consumer attorney for a tailored plan and to avoid scams.