Westhill Exchange or WH is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Westhill Exchange LLC – WH?
Westhill Exchange, LLC (WH) is a third-party collection agency based in Colorado. WH has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and failing to verify debts. If WH has contacted you about past due financial obligations,make sure you understand your rights before you take action.
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Is Westhill Exchange LLC a scam?
They’re legit. According to the Better Business Bureau (BBB), Westhill Exchange, LLC was founded in 2009.The BBB established a profile page for WH in 2011. The BBB lists WH as a collection agency and financial service. Buzzfile estimates WH’s annual revenue at $94,000and the size of its headquarters staff at only 1employee.
According to its website, WH is “a professional full-service collection firm.” WH utilizes a “highly trained and professional staff to recover…outstanding revenue while maintaining…client relations.”
The Westhill Exchange website does not provide any detailed information about the types of businesses or industries for whom WH collects debts. Neither does it include a lot of detailed information about their specific business practices or collection polices. Instead, the WH website provides generalized descriptions of their services, and information about why WH’s business practices are more competitive than other agencies’ practices.
For example, WH uses “a proven combination of letter and phone communications designed to persuade…debtors to honor their obligation.” WH states that its “communications are always in accordance with the” FDCPA. In addition, “collection efforts begin immediately,” with debtor contact taking place “within 24 hours of receiving the account.” WH’s “debt collectors have ample time in their scheduling to allow them the opportunity to go the extra mile and provide clients with the personal touch needed to make the relationship work.”
As for competitiveness, WH “offers the most competitive contingency rates available in the industry.” WH’s “motivation is to get… money back in their clients’ hands, and… that until they do so, they will not be paid. Accordingly, WH’s motivation is propelled by mutual success and is results-oriented.” WH also states that “many of their competitors will ask for their reward or retainer up-front,” but WH’s contingency-based fee structure results in a more highly motivated collection staff and better results.
As for regulatory compliance, Westhill Exchange employs a staff of in-house attorney who can not only litigate accounts, but also“execute the judgment afterward.” WH attorneys “are very aggressive in their approach and help bring the legal ramifications of non-payment to bear against…consumers.” However, the WH website does not provide any information about its regulatory compliance polices; nor are there any links to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against Westhill Exchange?
As of May 2019, the BBB has closed a total of 15 complaints against Westhill Exchange LLC in the previous 3 years, with 4 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 4 complaints also alleged problems with customer service. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 4 complaints against WH. Justia lists at least 1 case of civil litigation involving WH.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely WH would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Westhill Exchange?
Absolutely. Here are some Sample Complaints
Complaints against Westhill Exchange cite problems resulting from disputes about the validity of debts and allegations of harassment, often for delinquent loans from payday lenders that have been paid previously. In August 2017, a complainant stated that a WH representative had “called her…and left a voice mail message on her cell phone.” According to the complainant, the WH representative didn’t mention the complainant’s name. Instead, she “stated that she was with the firm of WH and that the complainant needed to return the call…within 48 hours or further action would be taken.” The complainant said that she had “blocked the number and willnot be calling them back.” In addition, she said she “had received a similar phone call a few months previously, but she was not sure if this is the same company.” Furthermore, when she “called back to find out… why they were calling her, the person was very rude and demanded that she pay for a debt that she knew nothing about.” She alleged that WH “refused to send any documentation… to validate their demands,” and that the WH representative “threatened to file suit against her and told her that she would go to jail.”
In August 2017, a complainant stated that after making a final “payment to satisfy a debt,” Westhill Exchange automatically debited from her checking account “a larger payment than what was due.” She said she had contacted WH “immediately and inquired about money due back to her of about $85.00,” but the WH representative allegedly stated that “due to the length of her payment agreements and the several changes made over the course of the agreement that it may take a few days for them to sort out exactly what had occurred before they could refund her money.” The complainant called again “about 10 days later,” but the WH representative was still not sure how to respond. He assured the complainant that “as soon as it’s all sorted out” the complainant“would be notified right away, and that it would be any day now.He also stated that if the complainant hadn’t heard from him by early the following week, to call him back, and… they would likely just refund the money since this was an amount less than $100.00.” The complainant clarified and received confirmation that “no more payments would be deducted,” but after a month since he had “first reached out to WH regarding this issue and… calling the WH representative’s line, the main office line, and another line,” and “leaving numerous messages requesting a call back,” he still had “not received a call back thus far.”
Westhill Exchange Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Debt Collection Harassment Now?
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
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Can You Help Me Delete Westhill Exchange from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.