Who is Central States Recovery, Inc.?
Central States Recovery (CSR) is a debt collection agency based in Hutchinson, Kansas. They are responsible for collecting unpaid debts on behalf of their clients.
If you find Central States Recovery listed on your credit report, this typically indicates an unpaid bill or debt that has been handed over to CSR for collection.
Who does Central States Recovery collect for?
Central States Recovery primarily serves healthcare providers. They collect various forms of medical debt, such as unpaid hospital bills and delinquent accounts from clinics or other healthcare services.
Is Central States Recovery legit or a scam?
Central States Recovery 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 Central States Recovery from my credit report?
Central States Recovery 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.)
Ready to Raise Your Credit Score?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Professional credit repair services work with people who want to get their credit back on track.
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.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Central States Recovery (CSR) Contact Information
Central States Recovery, Inc.
1314 N Main St.
Hutchinson, KS 67501
Central States Recovery, Inc.
P.O. Box 3130
Hutchinson, KS 67501-3130
Phone number: (800) 779-0419 or (620) 663-8811
Should I contact or pay Central States Recovery?
Before contacting a debt collector, 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 Sometimes, credit reports contain errors or list debts that are no longer valid.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 Central States Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Central States Recovery on behalf of their clients.
Will Central States Recovery sue me or garnish my wages?
Central States Recovery (CSR) has the legal right to sue you for the unpaid debt. If the court rules in their favor and they obtain a judgment against you, they might then have the ability to garnish your wages, or levy your bank accounts, depending on your state’s laws.
However, it’s important to understand that these steps are usually a last resort for most collection agencies. Legal action can be expensive and time-consuming. Collection agencies prefer to negotiate a repayment plan rather than going through the legal process.
Central States Recovery, 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). 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 Central States Recovery
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Central States Recovery 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.
- Central States Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Central States Recovery 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.
- Central States Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Central States Recovery From Your Credit Report Today!
Credit Saint can assist you in disputing Central States Recovery 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.