Who is Bay Area Credit Service?
Bay Area Credit Service, LLC (BACS), also known as HOVG, LLC, is a third-party debt collection agency that is headquartered in Norcross, Georgia.
If Bay Area Credit Service appears on your credit report, it typically indicates that they have assumed responsibility for collecting a debt that you owe. This usually happens when a bill isn’t paid on time and the original creditor either sells the debt or contracts the agency to collect it on their behalf.
Who does Bay Area Credit Service collect for?
Bay Area Credit Service collects debts for companies across a broad spectrum of industries. This includes, but is not limited to:
- banking & financial services
- healthcare
- insurance
- legal
- manufacturing
- public sector
- publishing
- retail
- telecom
- utility
Is Bay Area Credit Service legit or a scam?
Bay Area Credit Service is a legitimate debt collection company that operates within the laws and regulations governing the debt collection industry. However, like many collection agencies, they may be persistent in their efforts to collect a debt. They might frequently contact you through phone calls, text messages, or emails in their attempts to recover the debt.
How can I remove Bay Area Credit Service from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Bay Area Credit Service Contact Information
Address:
Bay Area Credit Service
4145 Shackleford Rd Ste 330
Norcross, GA 30093
Mailing address:
Bay Area Credit Service
PO Box 28130
San Jose, CA 95159
Phone number: (678) 229-5010 or (800) 697-1234
Should I contact or pay Bay Area Credit Service, LLC?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Bay Area Credit Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Bay Area Credit Services on behalf of their clients.
Will Bay Area Credit Service, LLC sue me or garnish my wages?
Bay Area Credit Service, LLC does have the right to sue for unpaid debts. If they decide to file a lawsuit and the court rules in their favor, they could be granted a judgment. This may allow them to garnish your wages, levy your bank account, or take other collection actions, depending on your state’s laws.
However, lawsuits are often considered a last resort due to the time, cost, and resources required. Typically, Bay Area Credit Service, LLC will attempt to recover the debt through other methods first, such as phone calls, letters, and possible payment plan arrangements.
If you receive a lawsuit summons, it’s crucial not to ignore it. Failing to respond could result in a default judgment being issued against you, which might grant the debt collector additional rights in their efforts to recover the debt.
Bay Area Credit Service, LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Bay Area Credit Service
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Bay Area Credit Service 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Bay Area Credit Service cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Bay Area Credit Service must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Bay Area Credit Service cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Bay Area Credit Service From Your Credit Report Today!
Credit Saint offers assistance with disputing Bay Area Credit Service accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
