Who is Brock and Scott, PLLC?
Brock & Scott, PLLC is a debt collection agency based in Winston-Salem, North Carolina. They are a full-service law firm specializing in collections, real estate, and creditor rights, and have law offices in 19 states.
If, at some point, you default on payments, and Brock & Scott, PLLC is managing that debt, their name might show up on your credit report, indicating an account in collections.
Who does Brock and Scott, PLLC collect for?
Brock and Scott, PLLC provides services to a diverse clientele. Their clients include credit card companies for whom they recover outstanding balances, and commercial asset holders seeking asset recovery. They also assist national banks with various unpaid debts and help retailers deal with consumer debt, primarily from store credit cards or payment plans.
Is Brock and Scott, PLLC legit or a scam?
Brock and Scott, PLLC is a legitimate company. 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 Brock and Scott from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Brock & Scott, PLLC Contact Information
Address:
Brock & Scott, PLLC
1315 Westbrook Plaza Drive, Ste 100
Winston-Salem, NC 27103-1357
Phone number: (888) 461-7908
Should I contact or pay Brock & Scott, PLLC?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Brock & Scott, PLLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like Brock & Scott, PLLC on behalf of their clients.
Will Brock & Scott, PLLC sue me or garnish my wages?
Brock & Scott, PLLC has the ability to take legal actions against debtors, including filing lawsuits. If a judgment is obtained against you in court, wage garnishment could be a possible outcome depending on your state’s laws. However, these are typically not the first steps a debt collector will take. Initially, they will attempt to contact you to arrange payment.
Brock & Scott, PLLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Brock and Scott, PLLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Brock & Scott, PLLC 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Brock & Scott, PLLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Brock & Scott, PLLC must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Brock & Scott, PLLC cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Brock & Scott, PLLC From Your Credit Report Today!
Credit Saint offers assistance with disputing Brock & Scott, PLLC collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
