Who is Berks Credit & Collections?
Berks Credit & Collections, Inc. was a debt collection agency owned by AR Logix, Inc. who rebranded to Receivables Management Partners (RMP). The rebranded company, RMP, is headquartered in Indianapolis, Indiana, with additional locations in Lansing and Zeeland, Michigan; Des Plaines, Illinois; and Waco, Texas.
If you notice Berks Credit & Collections or RMP on your credit report as a collections account, it likely means you have an unpaid debt that they’ve been tasked with collecting.
Who does Berks Credit and Collections collect for?
Berks Credit and Collections specializes in collecting medical debt for hospitals and other healthcare providers. This means they worked closely with these institutions to collect outstanding payments from patients.
Is Berks Credit and Collections legit or a scam?
Berks Credit and Collections is a legitimate company. However, they may employ persistent tactics, such as repeated calls, texts, or emails to collect unpaid debts.
How can I remove Berks Credit and Collections 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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Berks Credit & Collections, Inc./AR Logix Contact Information
Berks Credit and Collections Address:
Berks Credit and Collections
8085 Knue Rd
Indianapolis, IN 46250
AR Logix Address:
900 Corporate Drive
Reading, PA 19605
Phone number: (855) 831-3426
Should I contact or pay Berks Credit & Collections?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Berks Credit & Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Berks Credit & Collections on behalf of their clients.
Will Berks Credit & Collections sue me or garnish my wages?
Berks Credit & Collections is legally entitled to sue for unpaid debts. If they win the lawsuit, they could potentially obtain a court order to garnish your wages or levy your bank account.
However, this step is often considered a last resort due to the costs and time involved in litigation. Factors such as the size of the debt, your state’s laws, and the likelihood of successful collection could influence whether they choose to sue.
Berks Credit & Collections, Inc. 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 Berks Credit & Collections 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 Berks Credit & Collections, Inc.
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 Berks Credit & Collections 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.
- Berks Credit & Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Berks Credit & Collections 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.
- Berks Credit & Collections cannot threaten to have you arrested or imprisoned over unpaid debts.
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Credit Saint can assist you in disputing Berks Credit 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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