How to Remove Berks Credit & Collections, Inc. From Your Credit Report

Is Berks Credit & Collections, Inc. hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is Berks Credit & Collections, Inc.?

Berks Credit & Collections, Inc. was a debt collection agency owned by AR Logix, Inc. who rebranded to Receivables Management Partners (RMP).

Receivables Management Partners is headquartered in Indianapolis, Indiana, but also has locations in the following cities:

  • Lansing, MI
  • Zeeland, MI
  • Des Plaines, IL
  • Waco, TX

You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

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.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a professional credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from 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

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:

AR Logix
900 Corporate Drive
Reading, PA 19605

Phone number: (855) 831-3426

Should I contact or pay Berks Credit & Collections?

Nothing good can come from speaking to a collection agency on the phone. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The best way to handle this is to work with a credit repair professional. They delete millions of negative items every year from companies like Berks Credit & Collections for millions of clients nationwide.

And they may be able to help you too.

Will Berks Credit & Collections 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 will help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Berks Credit & Collections again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that 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 Berks Credit & Collections to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.

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 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 Berks Credit & Collections does too.

Your Rights When Dealing with Berks Credit & Collections, Inc.

There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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, and they are not allowed to threaten to take legal action if they have no intention of doing so.

Remove Berks Credit From Your Credit Report Today!

Lexington Law specializes in disputing Berks Credit accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law.

You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.