Carter-Young: Who They Are and Your Rights

Type

Collection agency

Also known as

Carter-Young, Inc.

Headquarters

Monroe, GA

Collects

apartment and multifamily balances, student and military housing balances, medical bills, telecom accounts, utility bills, financial services accounts

Phone numbers it lists

(678) 995-4242, (888) 995-4242

Website

carter-young.com

375 debt collection complaints were sent to the Consumer Financial Protection Bureau about Carter-Young, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Carter-Young?

Carter-Young, Inc. calls itself "a Georgia-based Collection Agency, established in 2001 servicing clients throughout the United States." It describes its roots as a family business that has grown into a national collection agency. Its office is at 517 Hill Street in Monroe, Georgia, and it is open weekdays from 8:30 a.m. to 5 p.m.

Why Carter-Young May Be Contacting You

The company lists its client industries as multi-family, student and military housing; healthcare; telecom; utility providers; and financial services. It says some of its staff have worked "on the ground" in student housing, multifamily and medical settings. So a Carter-Young letter is likely to be about one of these:

• a balance from an apartment, student-housing or military-housing lease, such as unpaid rent, a lease-break fee or move-out charges;
• a medical bill a provider sent to collections;
• a final phone, internet or utility bill; or
• an unpaid account with a lender or other financial company.

Carter-Young's website lists (678) 995-4242 and a toll-free line, (888) 995-4242. The contact page tells consumers who want to dispute a debt to use the "Consumer Info" section of the site.

How to Check a Debt Carter-Young Says You Owe

For a housing balance in particular, the paperwork you signed at move-in and move-out is your best evidence.

• Look at the validation notice. It must name the creditor, such as the apartment community or provider, and itemize the debt from an itemization date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. For a lease debt, ask for the lease, the ledger, the move-out inspection, and the security deposit accounting. For student housing, check whether a parent or guarantor signed and who the creditor is actually billing.
• For a medical bill, ask for an itemized statement and confirm your insurance was billed. A Texas health care facility may not pursue collection until it has sent you an itemized bill (Tex. Health & Safety Code ch. 185).
• Note the dates. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue once it has passed (Tex. Fin. Code § 392.307). Other states' periods differ.

For a step-by-step dispute letter, see how to dispute a debt with a collector.

What Carter-Young Can and Can't Do

Carter-Young collects debts owed to its clients, so it is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). Rent, medical bills and household utilities are consumer debts.

• It may not tack on collection fees unless your lease or account agreement, or the law, permits them (15 U.S.C. § 1692f(1)).
• It may not discuss the debt with a roommate, employer or (for an adult) a parent, except to get your location information (15 U.S.C. §§ 1692b, 1692c(b)). A co-signer or guarantor on the lease is a different matter.
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• It must mark a reported debt as disputed once you dispute it (15 U.S.C. § 1692e(8)).
• It may not threaten wage garnishment it cannot carry out; Texas doesn't allow wage garnishment for ordinary consumer debts (Tex. Const. art. XVI, § 28).

If a Carter-Young collection crossed these lines, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Carter-Young or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Carter-Young: home page
• Carter-Young: About us
• Carter-Young: FAQ
• Carter-Young: Contact
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Carter-Young, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Carter-Young has violated any law. Company details change; tell us if something here is out of date.