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How to Settle Debt With Contract Callers Inc

George Simons | January 17, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Contract Callers Inc tracks finances to collect debts for utilities. Validate debts, avoid resetting old debts, and respond to any pending legal action to protect your rights, avoid default judgment, and give yourself time to negotiate a settlement.

Contract Callers Inc (CCI) is a unique type of debt collector. Sometimes they work for creditors as a first-party extension of their regular staff. Other times they act as third-party debt collectors handling post-charge-off accounts.

Contract Callers has developed a system to track consumers' financial activity to nab their targets. They call it RADAR. With it, Contract Callers can determine when your financial situation improves. If it has, and you have a delinquent account, they will come after you again.

Whether the company is contacting you about a newly delinquent account or an old one, you can successfully challenge them. You'll be ready to beat Contract Callers Inc at their own game with the points discussed below.

Settle debt with Contract Callers Inc

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is Contract Callers Inc?

Contract Callers is a debt collector based in August, Georgia. It's a legitimate company so it is important to respond to their outreach when you receive a phone call and/or collection letter.

Contract Callers Inc has several offices. But its headquarters are in Augusta, Georgia. Below is the Contract Callers Inc phone number and other contact information:

  • Phone: 706-825-8038
  • Toll-free: 800-405-4935
  • Physical Address: 501 Greene 3rd Floor, St Suite 302, Augusta, GA 30901, United States
  • Mailing address: P. O. Box 2207, Augusta, GA 30903-2207
  • Website: contractcallers.com

Who does Contract Callers collect for?

Contract Callers Inc. collects for credit providers across several industries, but especially for Gas, Electric, and Water utilities companies.

Read Contract Callers Inc reviews online

If you are interested to learn what other people have said about their experience with Contract Callers Inc on a debt collection matter, then take a moment to read these reviews:

While online reviews for Contract Callers Inc are pretty mixed, there are some reviews that indicate consumers can have a pleasant experience communicating with Contract Caller collectors to resolve debt. Let’s consider a real example from a borrower named Beth:

“Well, no one likes to get a collection call. In this case, it was a tenant who did not pay his utility bill. I found the callers to be professional and knowledgeable. I have no problem with this company. And I sent them the payment in question to put an end to the calls.”

This review shows that debt collectors with Contract Callers Inc are open to working with you to resolve your concerns and get your debt paid in a manner that works for you and your current financial situation. Communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Ask Contract Callers to validate each debt

Often, debt collectors try to collect on paid accounts. It is also common to have the wrong amounts. So ask that the debt collector validates the debt in writing.

You can do so by using SoloSuit to generate a Debt Validation Letter and then sending it to Contract Callers at the address above. Always use certified mail when communicating with debt collectors. It's the only way you can confirm that they received your letter.

Create your Debt Validation Letter.

Learn about how a Debt Validation Letter can help you beat Contract Callers in the video below:

If Contract Callers Inc does not validate the debt, they are violating the FDCPA and your rights. Knowing your rights can help you protect yourself against unfair and unethical collection efforts.

Know your rights and stand up for them

The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair treatment using laws that prevent CCI from:

  • Calling you at your workplace after telling them it's not allowed
  • Phoning you very early in the morning or late at night
  • Using profane and threatening language
  • Contacting you a dozen times per day
  • Giving you false information about themselves and the debt
  • Calling you before 8 a.m. or after 9 p.m.

Report any of these occurrences to the Consumer Financial Protection Bureau and write a report on their BBB profile.

Should I pay a debt that is past the statute of limitations?

The simple answer is no.

The statute of limitations is the deadline given to creditors and debt collectors, like Contract Callers Inc, to sue someone for a debt. When an account is past the statute of limitations, they cannot take you to court for it.

The statute of limitations timeline is different in every state. The clock usually starts ticking on the date that the last activity occurred on an account. This usually means the date of the last payment.

That being said, an expired statute of limitations on debt does not mean that Contract Callers cannot ask you to pay. You still legally owe the amount. The problem with paying such an account is that you may, in effect, reopen the account.

Contract Callers know that paying just a tiny fraction of an old debt can restart the clock on the statute of limitations. Sometimes, even promising to pay is equal to renewing the debt.

Contract Callers Inc "stalks" your financial activity looking for any indication that you can afford to pay. Whether you recently bought a new home or applied for a new credit card and they find out, they will renew their collection efforts.

The best way to remain safe is to know how long the type of debt you have takes until a lawsuit is time-barred. After that, you should not make any payments to the account. If you do, the debt collector reclaims the right to sue.

Statute of limitations by state.

To illustrate, consider the case of Sarah.

Example: Sarah has a credit card debt that she could not pay when she lost her job in 2016. The latest payment she made was on July 30, 2016. She lives in California. So by September 2022, the statute of limitations on the debt had long passed (it takes four years). Sarah recently got a new job and has been working hard to rebuild her credit. The first item on her investment list was to put down the initial payment on a house she hopes to call home. When she successfully applies for a mortgage, the Contract Callers' system, RADAR, gets a hit. All too suddenly, debt collectors come after her again. This time they are more aggressive. Sarah is tempted to set up a new repayment plan. She figures the debt is old anyway, and she has nothing to lose. Her friend Nina who lives in Texas, tells her it's okay to restart payment. But that is a big mistake. The law is different in California than in Texas; agreeing to a repayment plan resets the clock. Now Sarah is back to square one; constant collection calls, the risk of losing her home, and a looming lawsuit.


Don't be like Sarah. If you have an old debt, resist the urge to:

  • Make payments, no matter how little, to the account.
  • Agree to Contract Callers' suggestion to set up a repayment plan.
  • Accept a settlement offer.
  • Use an old credit card for new purchases.

These laws can change with time. So be sure to stay current with your state's regulations.

You can also use an FDCPA demand letter like a “Cease and Desist” or a “Refusal to Pay” to get the debt collector off your back.

What if Contract Callers Inc sues me?

You must respond promptly to a lawsuit.

Answering Complaints is NOT the same as:

  • Letting Contract Callers know you have received a Summons.
  • Ignoring the Summons and the Complaint document hoping the charge will go away.
  • Calling Contract Callers' lawyer and saying, "See you in court."

Instead,

  • Respond to each claim listed in the Complaint: You have three ways to respond to the accusations CCI outlined. You can deny the allegations as untrue or inaccurate, deny them for lack of knowledge, or admit to the claims listed. Just make sure to respond to each one individually, and know that most attorneys recommend denying as many claims as possible.
  • Assert your affirmative defenses: This section entails listing why you believe you do not owe the debt or have no obligation to pay it. Some defenses include an expired statute of limitations, inaccurate debt information, and CCI violating your consumer rights.
  • File the Answer with the court and Contract Callers' lawyer: Once you proofread your document, print it and make two copies. Next, send one copy to the court via mail or take the Answer to the courthouse. Lastly, send a copy to CCI via certified mail. Keep the last copy in your file as you plan your next step.

File before it's too late. You typically between 14-35 days. After that, you risk the court issuing a default judgment against you. Check out this video to learn more:

Communicate with Contract Callers Inc to resolve your debt

Although facing Contract Callers Inc can seem too difficult, and you can succeed in getting a favorable deal or judgment.

  • Always send a Debt Validation Letter whenever they contact you.
  • Be careful with time-barred debts, so you do not reset the clock on the statute of limitations.
  • Respond to debt collection lawsuits with a written Answer.

With SoloSuit, you can win against Contract Callers Inc even if you can not afford to hire an attorney.

Win your debt collection lawsuit.

How to settle debt with Contract Callers Inc

If you’ve received a Summons and Complaint from Contract Callers Inc, you still may be able to negotiate a debt settlement. It is important to proactively respond to the debt collection lawsuit so you have sufficient time to engage in settlement negotiations. Here are some recommended steps to try and settle a debt with Contract Callers Inc:

  1. File an Answer to the debt collection lawsuit.
  2. Calculate how much you can actually afford to pay with the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Make a reasonable settlement offer that is less than the maximum amount you can pay.
  4. Be ready to go through multiple rounds of negotiating.
  5. When you reach a debt settlement agreement, get the terms in writing.

Settle with SoloSettle

Make an Offer

To learn more about these tips and others that may assist you on your journey to settle debt with Contract Callers Inc, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

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