If AWA Collections is showing up on your credit report, it could be pulling your score down and making it harder to qualify for credit. Here’s what you need to know about who they are, how they operate, and how to get them removed from your credit file.
What Is AWA Collections?
AWA Collections—short for Adler Wallach Associates, Inc.—is a third-party debt collection agency. They’re headquartered in Orange, California, with additional offices in Dickson, Tennessee. If you have an unpaid bill and your original creditor hired a debt collector, AWA may appear on your credit report as a collections account.
Who Does AWA Collections Work With?
AWA handles collections for a wide range of industries. Their clients include:
- Medical providers: hospitals, clinics, and health systems
- Government agencies: municipalities and other public offices
- Telecommunications companies: phone and cable services
- Banks and lenders: credit cards and other financial services
- Utilities and commercial businesses
They also report to the major credit bureaus, which can result in negative marks on your credit report if they’ve taken over an account in collections.
Is AWA Collections a Legitimate Company?
Yes, AWA Collections is a real debt collection agency. They’re licensed to collect on debts and must follow both federal and state regulations. That said, it’s still smart to proceed carefully. If AWA contacts you about a debt, always request written verification before agreeing to anything.
How to Remove AWA Collections From Your Credit Report
Collections accounts can remain on your credit report for up to seven years—even if you pay them. Here are three ways you may be able to get AWA removed:
- Dispute any errors: If the account is inaccurate, submit a dispute with the credit bureaus.
- Request debt validation: You have the right to ask AWA to prove the debt is legitimate. If they can’t, the item must be removed.
- Negotiate a pay-for-delete: In some cases, you may be able to offer payment in exchange for the account’s removal. Always get this agreement in writing.
Another option is to work with a credit repair company that has experience handling collections accounts.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay AWA Collections?
Not necessarily. Before making any payments, confirm that the debt is valid, belongs to you, and is still within the statute of limitations. Keep in mind: paying a collections account without getting it removed won’t necessarily help your credit score. And in some states, it could reset the clock on how long the debt remains collectible.
Can AWA Collections Sue or Garnish Wages?
AWA Collections does have the right to pursue legal action. If they take you to court and win a judgment, they could garnish your wages or levy your bank account. However, lawsuits are typically a last resort. Most debt collectors will first try to work out a payment plan or settlement.
How to Contact AWA Collections
Here’s how to get in touch with AWA if needed:
Main Addresses:
- 1045 W Katella Ave, Orange, CA 92867
- 100 Church Street, Dickson, TN 37055
Phone Numbers:
- (866) 260-3631
- (714) 771-5453
Other Numbers You Might See on Caller ID:
215-876-6187, 414-276-0435, 714-771-3690, 800-916-0542, 888-416-8110, 888-771-0750
Complaints Against AWA Collections
Like many collection agencies, AWA has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Reporting inaccurate information
- Failing to verify debts
- Aggressive or repeated phone calls
If you feel your rights are being violated, you can file a complaint and report the behavior to the appropriate authorities.
Know Your Rights When Dealing With AWA Collections
Under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), you’re protected from unfair collection tactics. Here’s what AWA Collections cannot do:
- Report false or unverifiable information to credit bureaus
- Harass you, use profane language, or call repeatedly
- Misrepresent who they are or threaten you with jail
- Publish your name on a list of debtors
You also have the right to request a debt validation letter, and AWA must respond within 30 days with proof that the debt is yours.
Get Help Removing AWA Collections From Your Credit Report
If you’re struggling to remove AWA from your credit report, you don’t have to handle it alone. Credit Saint can help you dispute and remove inaccurate negative accounts like this one. With more than 15 years of experience, they know how to deal with companies like AWA.
They stand behind their work with a full 90-day money-back guarantee.
Ready to take the next step? Call (855) 281-1510 or visit their website to schedule your free consultation today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
