Who is Bayside Capital Services?
Bayside Capital Services, LLC is a debt collection agency based in Buffalo, New York. Their primary business is to recover debts that individuals owe to various creditors.
If they appear on your credit report, it likely indicates you have an unpaid debt they are trying to collect. This usually happens when you neglect to pay a bill and your account is turned over to them.
Who does Bayside Capital Services collect for?
Bayside Capital Services offers collection services to various creditors, primarily working on behalf of original lenders who have been unable to collect on their debts. Their role is to pursue payment from individuals who have fallen behind on their bills. The range of debts they handle can be quite broad, potentially including credit card debt, personal loans, or other types of consumer debt.
Is Bayside Capital Services legit or a scam?
Bayside Capital Services is a legitimate company. However, as with many companies in this industry, their methods of debt collection can sometimes be aggressive or distressing.
They may frequently call, text, or email you as they attempt to collect the outstanding debt. While these practices can be intrusive and cause stress, they are typically within the bounds of the law.
How can I remove Bayside Capital Services 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.)
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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.
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Bayside Capital Services, LLC Contact Information
Bayside Capital Services, LLC
2316 Delaware Avenue, Suite #112
Buffalo, NY 14216
Bayside Capital Services, LLC
210 John Glenn Dr. Ste 11
Buffalo, NY 14228-2213
Phone number: (855) 591-3081
Should I contact or pay Bayside Capital Services?
It’s best to avoid speaking to a debt collector 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 Bayside Capital Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Bayside Capital Services on behalf of their clients.
Will Bayside Capital Services sue me or garnish my wages?
Bayside Capital Services does have the legal ability to sue for an unpaid debt. If they do sue and win the lawsuit, they could potentially be granted a court order to garnish your wages, levy your bank accounts, or take other collection actions as permitted by law to recover the debt.
However, whether they decide to sue you can depend on a variety of factors. These factors might include the size of your debt, the potential cost of litigation, the likelihood of successful collection, and the statute of limitations for the debt, which varies by state and type of debt.
Bayside Capital Services, 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). 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 Bayside Capital Services, LLC
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Bayside Capital Services 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.
- Bayside Capital Services, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Bayside Capital Services 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.
- Bayside Capital Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Bayside Capital Services From Your Credit Report Today!
Credit Saint can assist you in disputing Bayside Capital Services collection 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.
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