#1 Way to Remove 'Landmark Strategy Group' (Hurting Your Score)

They're calling because a debt tied to you was flagged for collection, but it can also be a purchased account, a wrong-person skip-trace match, or an old time-barred balance. Assigned or bought accounts usually follow a prior creditor; skip-trace errors happen when data points overlap; time-barred items appear even after the legal collection window, so treat the call as a trigger to verify, not as proof you owe anything.

Do not admit or agree to pay yet, instead wait for or send a written "validation notice" request and compare the account details to your records and your credit reports at free annual credit reports. Log calls and save voicemails, and send a short mailed letter asking that all communications be in writing while you investigate; consider a neutral credit report review to surface errors or duplicates before negotiating. Warning: statutes of limitation vary by state, and acknowledging a debt or making a payment can restart the clock in some states.

They mostly pursue charged-off consumer accounts such as credit cards, personal loans, retail balances, medical bills, utility and telecom charges, auto deficiencies, and some fintech or buy-now-pay-later debts.

Common account types they handle:

• Credit cards (bank and store cards).
• Personal loans (unsecured installment loans).
• Retail account balances (store financing).
• Medical bills and hospital balances.
• Utility and telecom past-due accounts.
• Auto loan deficiencies after repossession or sale.
• Fintech, BNPL, and other digital-lender charge-offs.

Portfolios change, so always confirm the original creditor, account number, charge-off date, and current owner on the validation notice. Before discussing payment, request a full itemization (principal, interest, fees), last payment date, and the chain of title.

If the alleged debt is a student loan or tax debt, flag it, those follow different rules and protections.

Landmark Strategy Group can be a real debt collector, but impostors often mimic collectors, so don't assume legitimacy without quick checks.

Quick legitimacy checklist:

• Did you receive a written validation notice within five days of first contact, and does it include account details and your validation rights?
• Verify the company's legal name and mailing address on the BBB business profile and your state business registry.
• Cross-check account numbers, original creditor name, balance and dates against your credit reports and the original creditor's records.
• Never call back a number sent by text or rely on caller-ID alone; only use a phone number printed on their written mail, and be wary of spoofed IDs.
• If any detail mismatches, treat it as possible phishing: respond only in writing, send a written debt-validation request, keep certified-mail proof, and do not pay until validated.

If something feels off, stop communication, refuse to give personal data over the phone, call back only using the written-mail number, and file a complaint with the CFPB or your state attorney general if they won't validate the debt.

Verify via mailed notice: only use the phone number and mailing address printed on Landmark Strategy Group's mailed validation notice, do not call numbers left in voicemails or texts. Also cross-check on BBB and the firm's state collection registration, check the firm's record at Landmark Strategy Group BBB profile before using any contact details. If the mailed notice is missing, inconsistent, or the BBB/state record disagrees, do not trust outreach until validated.

Use written mail only: send this short certified‑mail script and insist on postal correspondence - "Please provide full debt validation, account details, and your official mailing address in writing; do not contact me by phone, text, email, or social media. I require all future communications by U.S. postal mail only." Keep the signed return receipt, envelopes, postmarks, letterheads and the original notice as proof.

You have clear FDCPA protections when dealing with Landmark Strategy Group: they may not harass you, lie about legal action, contact third parties about your debt, call before 8 a.m. or after 9 p.m., or keep contacting you after you properly request validation or tell them to stop. (consumerfinance.gov, ftc.gov)

Ask for written validation immediately, because a collector must provide a validation notice in writing after first contact and you can dispute the debt in writing; you can also send a written cease-and-desist and the collector must stop most communications except narrow, permitted notices. For official, plain-language guidance see the CFPB debt collection resource and the FTC debt collection guidance. (ftc.gov, consumerfinance.gov)

Keep a dated contact log and save every letter, text, email, and voicemail; file complaints with the CFPB, FTC, or your state attorney general if rules are broken, and consider a lawyer because you can sue for FDCPA violations (statute of limitations is short). If you're represented, tell collectors to contact your attorney instead. (consumerfinance.gov, ftc.gov)

• No harassment, threats, or abusive language.
• No false or misleading statements about the debt or legal action.
• No calls before 8 a.m. or after 9 p.m., and no inconvenient-time calls.
• Limited third-party contact, workplace calls barred if employer forbids.
• Right to written validation of the debt within days of contact.
• Right to demand they stop contacting you (written cease-and-desist).
• Right to file complaints with CFPB/FTC and to sue for damages.
• Keep a dated log and save every message and letter as evidence.

Send Landmark Strategy Group a written validation request within 30 days of their first written notice, demand proof of the debt, and require them to stop collection until they validate.

• Mail a short, firm letter by certified mail, return receipt requested, within 30 days of the notice.
• Include your full name, address, account/reference number from their notice, date you received the notice, and a clear statement: "I request debt validation."
• Ask for itemized accounting, the original creditor name, date of default/last payment, proof of assignment or chain of title, and documentation supporting any fees or interest.
• Keep copies of everything, the certified mail receipt, and the signed return receipt.

The 30-day clock starts on the date you receive their first written notice; under federal law (FDCPA) a timely written validation request forces them to pause collection until they provide verification, so send it promptly and keep proof of mailing.

• If they do not supply adequate validation, tell them in writing to cease collection and to stop reporting the debt.
• Dispute any related tradeline with all three credit bureaus and request deletion of the account from your credit reports.
• Use sample dispute/validation letters for wording, see CFPB sample debt-collection letters.
• File complaints with the CFPB and your state attorney general, and consider small-claims court or an attorney for FDCPA violations if they continue collection or reporting.

If a Landmark Strategy Group balance on your credit report isn't yours, force its removal by disputing the account, proving the error, and escalating until bureaus and the collector correct or delete the tradeline.

First, pull full reports from Equifax, Experian, and TransUnion to spot duplicate or merged files before you contact anyone; gather photo ID, proof of address, any statements showing the account is not yours, and copies of correspondence; never admit the debt is yours and always keep dated records of every contact.

• Send a written dispute and validation letter to Landmark Strategy Group (certified mail, return receipt), demand proof they own the debt, and state you dispute the account.
• File FCRA disputes with each bureau reporting the tradeline, attach your ID and concrete proof of mistaken identity or a mixed file (examples: utility bills, SSN mismatch documentation).
• If this is identity theft, file an FTC identity theft report and request a block of the fraudulent items on your file.
• Wait 30–45 days, check results, and if unresolved, submit a CFPB complaint and escalate to your state attorney general.

If the collector or bureaus ignore or reject valid disputes, send a second certified dispute referencing the first, demand deletion, place a fraud alert or credit freeze, contact the original creditor to confirm ownership, and consider small-claims court or a consumer-rights attorney for FCRA/FDCPA violations; keep every page and mailing receipt.

Practical tips: use short, factual dispute letters, include only necessary proof, never pay until the debt is validated (payment can revive time-barred debt), monitor your reports for 90 days, and act quickly - errors fixed early are far easier to remove.

Short answer: Landmark Strategy Group can only contact you within legal and common-practice limits, so you should not get calls before 8 a.m. or after 9 p.m., no public social-media posts, only a one-time third-party contact for location info with no mention of your debt, and no workplace contact if your employer forbids it, so send written notice to stop and document every violation.

Rules by channel:

• Work: If your employer bans personal calls, collectors may not call you at work; tell them in writing to stop and keep the notice.
• Social media: No public posts or comments about your account; any online contact should not publicly disclose debt.
• After hours: No calls before 8:00 a.m. or after 9:00 p.m., and no repeated calls at inconvenient times once told.
• Friends/family: They may contact a third party only once to obtain your location, they must not discuss the debt, and they cannot harass.

If they break these rules, send a written cease request (certified mail or email with receipt), save screenshots, call logs, voicemails, dates, times and numbers, then use that evidence to file complaints with the CFPB and your state attorney general or consult an attorney.

Assert your rights and follow a short, enforceable plan to make the harassment stop. Start by mailing a limited-contact or cease-and-desist letter by certified mail with return receipt, include your name, account number, a clear statement that you only accept written communication, and a demand for debt validation; keep the certified-mail receipt and note the delivery date.

Immediately block phone numbers and texts at the device and carrier level, silence unknown callers, and maintain a harassment log with date, time, caller ID, method (call, text, voicemail, social post), exact quotes or screenshots, and any witnesses; saving recordings where legal strengthens your record.

If calls continue after your written limit, file complaints and escalate: submit a complaint to the CFPB via file a complaint with CFPB, contact your state attorney general, and consider hiring counsel - use find a consumer attorney to locate someone experienced with FDCPA claims who can seek enforcement, damages, or a stop to abusive conduct.

Short answer: They may only tack on interest, fees, or other charges when those add-ons are expressly allowed by your original contract or by state law. The original creditor's contract sets the rate and permitted fees, debt buyers inherit those terms, and many states impose caps or bar post-sale charges; time-barred or usury-prohibited claims generally cannot be lawfully increased after sale.

Demand an itemized accounting that shows the principal, the contract or posted interest rate, dates, each fee, and the legal basis or contract clause for every charge, and insist on the governing documents; if you see "junk fees," dispute them in writing and send a debt validation request with return receipt. If the collector cannot substantiate each charge, demand removal and a corrected balance before negotiating, report clear violations to your state regulator or the CFPB complaint portal, and consider an attorney for large or persistent disputes.

No, a private collector like Landmark Strategy Group generally cannot garnish your wages, freeze your bank account, or seize most benefits without first suing you and obtaining a court judgment, though certain government-backed debts have special collection powers.

• Collectors must sue and win a judgment before garnishing wages or levying most bank accounts.
• Common exceptions include federal tax liens, defaulted federal student loans, child support and certain government offsets, which can be collected without a private lawsuit.
• Typically protected: Social Security, Supplemental Security Income (SSI), many VA benefits, most retirement accounts and some public-assistance payments, though exact protections and exempt amounts vary by state.
• If you're served, immediately respond, file exemption claims if applicable, request validation of the debt, check your state's garnishment limits and the statute of limitations, and seek legal aid if needed.

Do not ignore any summons or garnishment notice, because a default judgment lets collectors move quickly to garnish or levy; for a clear primer see the CFPB's what is garnishment page.

BBB letter grades and complaint counts for Landmark Strategy Group can change, so look up their current profile on the BBB and the CFPB complaint database to see the latest grade, total complaints, response rate, and how quickly complaints get resolved. Landmark Strategy Group BBB profile and the CFPB complaint database show the live data; don't treat a star or letter alone as proof, BBB scores are not government endorsements.

When you review reports, focus on patterns not just totals, for example repeated identity mix-ups, unvalidated balances, short response times or no responses, and whether complaints are marked resolved. Use those patterns as evidence when you request debt validation, file disputes with bureaus, or submit complaints to the CFPB or your state attorney general, and keep screenshots and dates to back up your case.

If you suspect Landmark Strategy Group is tied to a class action, check court dockets right away and keep every notice, because class settlements rarely cancel individual debts by themselves.

Search federal dockets via federal PACER case search (register, search by party name or case number), and check your state or county court portal for matching filings. Look for a class notice, case number, settlement administrator, claim form, and explicit deadlines; deadlines and relief options vary, commonly 30–90 days but read the notice for exact dates. Preserve every letter, email, text, and proof of delivery, and photograph mailed notices; these documents prove your rights and deadline dates. If you receive a class notice, verify the settlement administrator's contact info and claim process before you respond, file a claim if the fund offers restitution, or opt out and pursue individual claims if the settlement gives that option. Remember, class outcomes often change company practices or create restitution funds, they rarely automatically remove a specific debt or fix your credit without you taking the required claim or dispute steps; if unsure, contact class counsel, a consumer attorney, or your state attorney general's consumer division.

Act immediately: date-stamp your response, demand written validation, and do not pay or admit the debt until Landmark proves it.

Date the letter and set a calendar reminder for 30 days from that date, because the collector must validate within that window if you request it in writing. Compare the collector's account number, original creditor, balance, dates, and ownership chain against your records and all three credit reports. If you want proof, require mail-only contact and send a tailored validation/dispute letter by certified mail with return receipt, keep the certified-mail slips and envelopes, and avoid any payments or admissions while waiting for validation. Use CFPB sample debt letters as templates.

• Date-stamp your letter at top and on your copy.
• Calendar a 30-day validation deadline from that date and set reminders.
• Compare account number, original creditor, balance, dates, and ownership to your records and credit reports.
• Demand mail-only contact in writing if you prefer a paper trail.
• Draft a tailored validation/dispute letter, send it certified mail with return receipt.
• Keep copies, certified-mail receipts, and envelopes as proof of dates.
• Do not pay, promise to pay, or admit responsibility until you receive valid proof.
• If no valid response, dispute on your credit reports and file a complaint with regulators or get legal help.

If you ignore Landmark Strategy Group's calls and letters you can end up worse off: they may continue contacting you, report the account to credit bureaus, or sue you while the statute of limitations still permits, and ignoring a court summons can result in a default judgment.

Collection activity can escalate. Accounts reported as delinquent can damage your credit for years. If they sue and you do not respond, a judge can enter a default judgment that may allow wage garnishment, liens, or bank levies depending on state law. Time limits matter, because a lawsuit is only barred once the statute of limitations expires, and in many states acknowledging or paying a time‑barred debt can restart that clock.

Do safer things first: immediately request written debt validation if you haven't already, assert written limits on contact or send a cease and desist under your rights, and pull your credit reports to dispute errors that might remove the tradeline entirely. Explore nonprofit credit counseling or hardship programs before paying, and never agree to a payment or admit the debt until you confirm the collector's proof and understand whether the debt is time‑barred in your state.

Act now if you want control: send a certified mail validation request within 30 days of first contact, keep copies of every letter and call note, pull free reports at the official reporting site and dispute inaccuracies, and if you receive a summons contact an attorney or local legal aid immediately to avoid default judgment.

Not necessarily, but only if you first get full validation and an itemized accounting of the alleged debt.

Negotiate only after you confirm the balance, original creditor, and dates; otherwise you may pay a debt that is incorrect or not yours.

A settlement can reduce what you owe, yet the tradeline will often report as "settled for less," which can still hurt your credit and stay on your report. Insist the collector put exact reporting language in writing before you pay, because how they report matters as much as the dollar amount.

Never accept a verbal deal, require all terms in writing (amount, due dates, reporting language, and a clear release of any remaining balance), and avoid partial payments on time‑barred debt since a payment or written promise can restart the statute of limitations. Forgiven principal can trigger a 1099‑C and tax liability, so get written proof and consult a tax professional before you settle.

You cannot be arrested for failing to pay a consumer debt, but Landmark Strategy Group can sue you in civil court if the claim is within your state's statute of limitations. Even time-barred accounts sometimes prompt suits, so do not ignore a summons; failing to answer by the deadline usually leads to a default judgment, and a judgment can later be enforced by wage garnishment, bank levy, or liens if the collector proves ownership of the debt.

Check that you were properly served, that the court and county are correct, and that the collector can show chain of title for the account; consider asserting a statute of limitations or ownership defense where appropriate. Read any contract for arbitration clauses, answer the complaint on time, preserve documents, ask for debt validation, and get legal help early - if you need representation, find an attorney near you or contact local legal aid or your state consumer protection office.

You can stop illegal collection, report the conduct, and sue the collector under the FDCPA to recover statutory damages, actual damages, and attorney's fees. ([law.cornell.edu](https://www.law.cornell.edu/uscode/text/15/1692k?utm_source=chatgpt.com))

Do this fast: save every call, text, letter, and screenshot, and keep a dated log with witnesses. Send a short certified demand/cease letter asking for validation and that they stop unlawful contact, keep the mailing receipt. File a complaint online with the CFPB (file a complaint with CFPB) and with your state attorney general, and preserve copies of both. Under the FDCPA you can seek up to $1,000 in statutory damages, plus actual damages and attorney's fees, and suits generally must be filed within one year of the violation. ([consumerfinance.gov](https://www.consumerfinance.gov/complaint/?mf_ct_campaign=tribune-synd-…), [law.cornell.edu](https://www.law.cornell.edu/uscode/text/15/1692k?utm_source=chatgpt.com)) Quickly consult a consumer attorney about suing or negotiating, use a trusted directory to find a consumer attorney who handles FDCPA claims. ([consumeradvocates.org](https://www.consumeradvocates.org/findanattorney/?utm_source=chatgpt.com))

You cannot simply erase a valid Landmark Strategy Group claim, but you can avoid paying when the account is unproven, a result of identity theft, or legally time-barred.

Demand written debt validation under the FDCPA within 30 days of first contact, send certified mail and keep copies; if the collector cannot prove the debt or furnishes inaccurate reporting, demand deletion and a stop to collection and file FCRA disputes with the credit bureaus; if identity theft is involved, file an FTC report and follow IdentityTheft.gov recovery steps, get a police report and submit those documents to the collector and bureaus; if the statute of limitations has expired, do not acknowledge or pay without legal advice because payments or written admissions can revive the claim.

If Landmark validates and the debt is genuinely yours, weigh a documented settlement or payment plan, insist on a written agreement (and any pay-for-delete promise) before you pay, document every contact, send disputes and offers by certified mail, assert your FDCPA rights against harassment, and consult a consumer attorney immediately if you are sued or face garnishment.

If the Landmark Strategy Group entry on your credit report is incorrect, outdated, or they cannot validate the debt, pursue disputes and deletion first; if the tradeline is accurate and still within the statute of limitations, paying or settling may lower legal risk but usually will not remove the account from your credit file. Start by pulling all three reports, request debt validation in writing, check whether the account is time-barred, and file targeted disputes for inaccuracies or mixed files, because deletion restores score power faster than payments do.

A professional review can find subtle errors, duplicate tradelines, or furnisher mistakes before you spend money, and a reputable credit repair company can help escalate complex disputes or regulatory complaints, but you can also dispute for free yourself; beware firms that promise guaranteed deletions. If you decide to pay, negotiate and get a signed written agreement that specifies reporting changes or a pay-for-delete before sending funds, keep every document, and only choose paid repair services if their track record and cost justify not doing the disputes and validations yourself.