Who is Atlas Collections?
Atlas Collections, Inc. (ACI) is a debt collection agency located in Yorktown, Indiana. If you’ve overlooked or been unable to pay a bill, Atlas Collections may appear on your credit report as a collections account. This indicates that the original creditor has handed over your debt to them for collection.
Who does Atlas Collections collect for?
Atlas Collections provides debt recovery services to a wide range of industries, including commercial, dental, government, healthcare, property rental, schools, and utilities.
Is Atlas Collections legit or a scam?
Atlas Collections, Inc. is a legitimate company. However, they may utilize persistent methods of communication, which can include frequent calls, text messages, or emails.
How can I remove Atlas Collections from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Atlas Collections, Inc. Contact Information
Atlas Collections, Inc.
7701 West Kilgore
Yorktown, IN 47396
Phone number: (765) 289-2114
Should I contact or pay Atlas Collections?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Atlas Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Atlas Collections, Inc. on behalf of their clients.
Will Atlas Collections sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with the credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you will never hear from or have to deal with Atlas Collections, Inc. again.
Wage garnishment varies by state. If your state prohibits it, debt collectors can’t legally threaten such action. Similarly, Atlas Collections, Inc. cannot legally make unfounded threats, including lawsuits or home foreclosure.
Atlas Collections, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Atlas Collections, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Atlas Collections, Inc. to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Atlas Collections, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Atlas Collections must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Atlas Collections cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Atlas Collections From Your Credit Report Today!
Lexington Law can assist you in disputing Atlas Collections collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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