Have you gotten a call or letter from Capital Accounts seeking repayment on a debt? Don’t worry—getting these calls is stressful, but you have more power than you may realize. Under federal law, you have rights and options that allow you to handle the situation on your own terms and avoid debt collector harassment.
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What is Capital Accounts?
Capital Accounts, LLC is a debt collection company based in Franklin, Tennessee. They’ve been in business since 2003 and work as a third-party debt collection service, meaning they seek repayments on behalf of other businesses.
If they’re attempting to collect a debt from you, you may see them on your credit report as Capital Accounts or Capital Accounts, LLC.
Who does Capital Accounts collect for?
Capital Accounts collects debts on behalf of other businesses. They specialize in debt collection for accounts in the following industries:
- Dental
- Medical
- Services
- Financial
- Rental
- Commercial
- Utilities
Is Capital Accounts a real business?
Yes, Capital Accounts is a real business. They’ve been incorporated since 2004 and BBB-accredited since 2021. However, just because they’re a real business doesn’t mean they practice ethically. Debt collectors infamously deploy shady tactics, like persistent calls and letters, in an effort to pressure payments out of debt holders.
Capital Accounts has a poor reputation with the BBB, earning it a 1.24/5 stars, a BBB alert for frequent complaints, and over 300 registered complaints against them.
Be careful when answering calls from Capital Accounts, verify your debt before making any payments, and understand what rights you have when dealing with debt collectors.
How to deal with Capital Accounts
Ready to take control of your debt with Capital Accounts? Choose the methods you want to attempt below.
Dispute Collections If the debt is inaccurate, learn how to remove the collection from your credit report. | Stop Harassment If your rights are being violated, learn how to fight back using protections under federal law. |
Verify Debt If you're not certain the debt is yours, request more information (and temporarily stop collection efforts). | Pay Debt Collector If you're ready to pay up, learn how to do it in a way that keeps you on better financial footing. |
