Holloway Credit Solutions: Who They Are and Your Rights

Type

Collection agency

Also known as

Holloway Credit Solutions, LLC

Website

hollowaycredit.com

118 debt collection complaints were sent to the Consumer Financial Protection Bureau about Holloway Credit Solutions 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 Holloway Credit Solutions?

Holloway Credit Solutions, LLC is an Alabama debt collection agency. Its website describes it as a leader in the industry "for over a century" and says it offers digital tools for managing databases, reducing risk and collecting debt. The site lists three Alabama offices:

• Montgomery: 1286 Carmichael Way, Montgomery, AL 36106
• Dothan: 3201 Montgomery Highway, Suite 5, Dothan, AL 36303
• Mobile: 4362 Midmost Drive, Suite A, Mobile, AL 36609

The home page does not identify one office as headquarters or list a phone number, so we have not listed either. Use the phone number and address on your letter, and check that the address matches one of the offices above.

We did not find a CFPB enforcement action against Holloway Credit Solutions.

Why Holloway Credit Solutions May Be Contacting You

Holloway works as a collection agency for businesses, but its website does not name its clients or industries, and we did not verify them. Your letter is the only reliable guide to what the account is: it must name the creditor that placed it with Holloway.

How to Check a Debt Holloway Credit Solutions Says You Owe

Sometimes a collector's letter is the first time you hear about an old bill, for example after a move. Check carefully before you pay.

• Look for the validation notice. Federal rules require it to list the creditor, the account number and an itemization from a reference date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Send a written dispute within the validation period if you don't recognize the creditor or believe the account was paid or closed. Holloway must stop collecting until it sends verification.
• Ask who owns the account now. Find out whether it is still the original business.
• Check the amount against your old records, including final bills and deposits that should have been credited.
• Consider the date of default. For Texas residents, most consumer-debt suits must be brought within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Alabama and other states have their own deadlines.

What Holloway Credit Solutions Can and Can't Do

An agency collecting debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6), so the FDCPA and Regulation F apply. Specifically:

• It may contact third parties only to find your address and phone number, and generally only once (15 U.S.C. § 1692b).
• It must send the validation notice within five days of its first communication with you (15 U.S.C. § 1692g(a)).
• It may not place more than seven calls in seven days per debt, presumptively (12 C.F.R. § 1006.14(b)(2)).
• It may not report the debt to credit bureaus before communicating with you about it (12 C.F.R. § 1006.30(a)).

See how long a collection can stay on your credit report, or contact our FDCPA attorneys.

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 Holloway Credit Solutions 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

• Holloway Credit Solutions: home page
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Holloway Credit Solutions, debt collection

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