Bay Area Receivables

Is Bay Area Receivables hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Bay Area Receivables?

Bay Area Receivables, Inc. (BAR) is a debt collection agency located in Salisbury, Maryland. They specialize in collecting various types of outstanding debts on behalf of their clients. BAR recently expanded its operations by acquiring all accounts from Delmarva Collections, Inc.

If you see BAR listed on your credit report as a collections account, it generally means they have acquired or been assigned a debt you allegedly owe and are now attempting to collect it. This could be due to an unpaid bill, loan, or other financial obligation.

Who does Bay Area Receivables collect for?

Bay Area Receivables services a diverse range of sectors, collecting various types of debts. They handle commercial debts, which typically involve unpaid invoices or loans from businesses. Consumer debts, such as credit card debt, personal loans, or unpaid utility bills, are also within their portfolio.

In the healthcare industry, BAR assists medical providers in recouping unpaid medical bills. This could range from hospital fees to charges from private medical practices. Additionally, they collect legal debts, which may result from unpaid fines, court fees, or judgments.

Is Bay Area Receivables legit or a scam?

Bay Area Receivables is a legitimate company. They’ve been in business since 2007, and they are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Bay Area Receivables 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

Bay Area Receivables, Inc. Contact Information


Bay Area Receivables, Inc.
714 Eastern Shore Dr.
Salisbury, MD 21804

Phone number: (410) 860-1600

Should I contact or pay Bay Area Receivables?

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 Receivables is to work with a credit repair professional. They help remove millions of negative items every year from companies like Bay Area Receivables on behalf of their clients.

Will Bay Area Receivables sue me or garnish my wages?

Bay Area Receivables, Inc. (BAR), like other debt collection agencies, has the legal right to sue for unpaid debts. If a lawsuit is initiated and the court rules in BAR’s favor, they could potentially garnish your wages or levy your bank account, based on the laws of your state.

However, it’s important to note that legal actions like lawsuits and wage garnishments are typically seen as last resorts in the debt collection process. Prior to this, BAR and similar agencies usually offer opportunities to establish a payment plan or negotiate a debt settlement.

Bay Area Receivables 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.

Remove Bay Area Receivables From Your Credit Report Today!

Credit Saint can assist you in disputing Bay Area Receivables accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

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 or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

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