Who is Bay Area Credit Service?
Bay Area Credit Service, LLC (BACS), aka HOVG, LLC, is a debt collection agency located in Norcross, Georgia.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Bay Area Credit Service collect for?
Bay Area Credit Service provides collection services in the following industries:
- 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 company. However, they may repeatedly spam call, text, or email you.
How can I remove Bay Area Credit Service 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.)
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, Lexington Law 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.
Call Lexington Law now to learn more: (800) 220-0084
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?
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 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.
And they may be able to help you too.
Will Bay Area Credit Service, LLC 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 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 Bay Area Credit Services again.
Call Lexington Law to learn how they can help you.
Wage Garnishment
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Bay Area Credit Service to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Bay Area Credit Service, LLC 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). Lexington Law knows that you have rights, and Bay Area Credit Service does too.
Your Rights When Dealing with Bay Area Credit Service
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 Bay Area Credit Service to report inaccurate or incomplete information on your credit report.
- 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.
- Bay Area Credit Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Bay Area Credit Service 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.
- Bay Area Credit Service cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Bay Area Credit Service From Your Credit Report Today!
Lexington Law can assist you in disputing Bay Area Credit Service accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.
If you’re looking for a reputable company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
