Quick Answer: Carson Smithfield, LLC is a debt collection agency based in Old Bethpage, New York, with additional offices in Pittsburgh, Pennsylvania. They collect credit card debts, medical bills, and personal loan balances. Their phone numbers are (877) 839-4597 and (844) 766-2900. They have a BBB B- rating with 78+ complaints in three years. A class action lawsuit alleged Carson Smithfield violated the FDCPA by sending misleading “limited time” settlement offers designed to pressure consumers into quick payment.
If Carson Smithfield is in your call log or on your credit report: A call from a debt collector is a business communication, not a crisis. Carson Smithfield collects credit card debts, medical bills, and personal loans on behalf of other companies. You have specific federal rights under the FDCPA. This page gives you the information to respond from a position of knowledge, not panic.
| Company Detail | Information |
|---|---|
| Company Name | Carson Smithfield, LLC |
| Type | Third-party debt collector |
| Headquartered | Old Bethpage, New York (P.O. Box 9216) |
| Additional Office | Pittsburgh, Pennsylvania |
| BBB File Opened | 2012 |
| Primary Creditors | Credit card issuers, financial institutions, healthcare providers, personal loan lenders |
| Primary Phone | (877) 839-4597 |
| Account Assistance | (844) 766-2900 |
| BBB Rating | B- (not BBB accredited); 78+ complaints in 3 years |
| Federal Court Cases | Class action in Wisconsin over misleading settlement offer letters (FDCPA violation) |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
Carson Smithfield is a debt collector that primarily collects credit card and financial debts — if they’re calling or appearing on your credit report, a creditor placed your unpaid account with them.
Carson Smithfield collects delinquent debts on behalf of credit card issuers, financial institutions, healthcare providers, and personal loan lenders. A class action lawsuit specifically challenged their practice of sending settlement offer letters with artificial deadlines designed to pressure consumers into paying quickly — a tactic that was alleged to violate the FDCPA.
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Who Is Carson Smithfield?
Carson Smithfield, LLC is a third-party debt collector with offices in Old Bethpage, New York, and Pittsburgh, Pennsylvania. Their BBB file was opened in 2012, and they are not BBB-accredited, holding a B- rating. They collect delinquent debts on behalf of credit card companies, banks, healthcare providers, and personal loan lenders. Carson Smithfield doesn’t buy your debt — they’re hired by the original creditor to collect the unpaid balance.
Carson Smithfield Phone Numbers
| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| (877) 839-4597 | Main collections line | Source: BBB profile |
| (844) 766-2900 | Account assistance | Source: consumer reports |
| (888) 895-5629 | Outbound collections | Source: consumer complaint reports |
Why Is Carson Smithfield Calling You?
- A credit card balance went to collections — Carson Smithfield’s primary business is collecting credit card debts. Your credit card issuer or bank placed your delinquent account with them.
- A medical bill — healthcare debts including hospital bills and physician charges may be placed with Carson Smithfield.
- A personal loan balance — unpaid personal loans from banks or fintech lenders can be sent to Carson Smithfield for collection.
- A “limited time” settlement offer — if you receive a letter from Carson Smithfield offering to settle your debt for a reduced amount with a deadline, be aware that a class action challenged these offers as misleading. The deadline may be artificial.
A call from a debt collector is not proof you owe anything. It’s an opening position. Treat it like one.
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What Consumer Complaints Reveal About Carson Smithfield
The BBB has received 78+ complaints about Carson Smithfield in three years, with a B- rating. The most common issues:
Search Carson Smithfield complaints in the CFPB database →
Read Consumer Complaint Themes (from BBB filings)
“I requested debt validation from Carson Smithfield weeks ago and still haven’t received anything. They continue to call despite not having provided the documentation I requested.”
“Carson Smithfield sent me a letter saying I could settle my debt at a discount, but only if I paid by a specific date. The letter made it seem urgent, like I’d lose the opportunity. It felt like a pressure tactic.”
Sources: Better Business Bureau. Complaint themes are representative of filed reports. Personal information redacted.
Carson Smithfield in Federal Court
Carson Smithfield FDCPA Class Action (Wisconsin): A proposed class action alleged that Carson Smithfield violated the FDCPA by sending collection notices with “limited time” settlement offers. The lawsuit claimed the deadline-driven settlement language was false and misleading because it implied the offer would expire, creating artificial urgency to pressure consumers into paying without fully investigating their rights or the debt’s validity.
What this means for you: If you receive a settlement offer from Carson Smithfield with a deadline, understand that these “limited time” offers may not actually expire. The class action challenged the practice as misleading. You are not required to rush a decision. Take the full 30 days allowed by the FDCPA to validate the debt before responding to any settlement offer.
Free Tool — Debt Validation Letter Generator: Being contacted by a debt collector? The free Debt Validation Letter Generator creates a personalized FDCPA validation letter in seconds — forcing the collector to prove the debt is real before they can continue. Generate My Letter →
What To Do If Carson Smithfield Is Calling You
- Don’t rush on “limited time” settlement offers. The class action specifically challenged these as misleading. You have 30 days from first contact to request debt validation in writing — use that time.
- Request debt validation in writing. Carson Smithfield must provide the original creditor’s name, account details, and amount owed. Their complaint pattern includes delayed or missing validation.
- Check your state’s statute of limitations. Check your state here.
- Send a cease-and-desist by certified mail to Carson Smithfield, LLC, P.O. Box 9216, Old Bethpage, NY 11804.
- Document everything. If they violate the FDCPA, each violation can be worth up to $1,000 plus attorney fees in federal court.
For the complete guide: Your Rights When a Debt Collector Calls.
Key Takeaways
- Carson Smithfield collects credit card debts, medical bills, and personal loans
- Based in Old Bethpage, NY and Pittsburgh, PA; B- BBB rating (not accredited)
- Phone: (877) 839-4597 (main), (844) 766-2900 (account assistance)
- 78+ BBB complaints in 3 years
- Class action challenged their “limited time” settlement offers as misleading FDCPA violations
- Don’t rush on settlement offers — take the full 30 days to validate the debt first
Free Tool — Statute of Limitations Checker: Dealing with old debt? The free Statute of Limitations Checker tells you if the collection clock has expired in your state — including the zombie debt and clock-restarting traps collectors use. Check My Status →
Frequently Asked Questions About Carson Smithfield
Who is Carson Smithfield?
Carson Smithfield, LLC is a third-party debt collector with offices in Old Bethpage, New York, and Pittsburgh, Pennsylvania. They collect credit card debts, medical bills, and personal loan balances on behalf of creditors. They have a B- BBB rating with 78+ complaints in three years.
Is Carson Smithfield a scam?
Carson Smithfield is a real debt collection company, not a scam. However, their B- BBB rating (not accredited) and a class action over misleading settlement offers indicate consumer issues. Verify any debt in writing before paying.
Is Carson Smithfield’s settlement offer legitimate?
Carson Smithfield does send settlement offers, but a class action challenged their “limited time” deadline language as misleading. The settlement discount may still be available after the stated deadline. Don’t feel pressured to pay immediately — use your 30-day validation right first.
How do I stop Carson Smithfield from calling?
Send a written cease-and-desist letter by certified mail to Carson Smithfield, LLC, P.O. Box 9216, Old Bethpage, NY 11804. Under the FDCPA, they must stop calling after receiving your request.
Should I pay Carson Smithfield?
Do not pay anything until you have verified the debt in writing and confirmed the amount. If the debt is valid and you want to settle, you may be able to negotiate a lower amount. Get any agreement in writing before paying.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
