Who is Berman & Rabin?
Berman & Rabin, P.A. is a debt collection agency based in Overland Park, Kansas. They are engaged in the task of recovering unpaid debts on behalf of businesses that have been unsuccessful in collecting those debts themselves.
If you have an unsettled bill, it’s likely that your account could be handed over to a collection agency like Berman & Rabin. As such, you may see them appearing on your credit report as a collections account.
Who does Berman & Rabin collect for?
Berman & Rabin serves a diverse range of clients and collects debts for companies across numerous industries. They work with entities such as credit card companies, utility providers, healthcare organizations, and more. One notable client is Citibank, a major credit card issuer.
Is Berman & Rabin legit or a scam?
Berman & Rabin, P.A. is a legitimate debt collection law firm. They are authorized to collect debts on behalf of their clients. However, if you’re contacted by them about a debt, it’s important to verify the debt’s validity before agreeing to any payments.
How can I remove Berman & Rabin 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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Berman & Rabin, PA Contact Information
Berman & Rabin, PA
15280 Metcalf Avenue
Overland Park, KS 66223
Phone number: (913) 649-1555
Should I contact or pay Berman & Rabin, PA?
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 debt, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Berman & Rabin is to work with a credit repair professional. They help remove millions of negative items every year from companies like Berman & Rabin, PA on behalf of their clients.
Will Berman & Rabin, PA sue me or garnish my wages?
Whether Berman & Rabin, P.A. will sue you or garnish your wages is dependent on several factors, including the nature and amount of the debt, your payment history, and the laws in your state.
In some cases, when a debt goes unpaid, debt collection agencies may take legal action against the debtor. If they win the lawsuit, the court may grant them the right to garnish the debtor’s wages. This means that a portion of your paycheck can be withheld and sent directly to the creditor until the debt is fully paid.
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 Berman & Rabin to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Berman & Rabin, PA 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 Berman & Rabin, PA
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 Berman & Rabin 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.
- Berman & Rabin may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Berman & Rabin 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.
- Berman & Rabin cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Berman & Rabin From Your Credit Report Today!
Credit Saint can assist you in disputing Berman & Rabin 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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Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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