Who is Chase Receivables?
Chase Receivables, formerly known as Credit Bureau of Napa County, Inc., is a California-based debt collection agency that provides a range of collection services. Despite the similar name, it’s important to clarify that this agency is not affiliated with the banking giant, JPMorgan Chase Bank, N.A.
Chase Receivables also has offices in the following cities:
- Harahan, LA
- Fairfield, NJ
- Hawthorne, NY
- Petaluma, CA
Their appearance on your credit report indicates an unpaid bill that they are tasked with recovering.
Who does Chase Receivables collect for?
Chase Receivables is known for offering debt collection services to an array of clients across various sectors. These sectors range from the automobile industry, where they handle auto deficiency debts, to the financial services sector, healthcare, physician billing agencies, and even credit unions.
They are particularly known for working with direct marketing firms, telecommunications companies, utilities, and bank cards. One of their most high-profile clients is Verizon.
Is Chase Receivables legit or a scam?
Chase Receivables is a legitimate third-party collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 Chase Receivables 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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Chase Receivables Contact Information
Address:
Chase Receivables
1247 Broadway
Sonoma, CA 95476
Mailing address:
Chase Receivables
P.O. Box 659
West Caldwell, NJ 07004
Phone number: (866) 855-3970
Should I contact or pay Chase Receivables?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 Chase Receivables is to work with a credit repair professional. They help remove millions of negative items every year from companies like Chase Receivables on behalf of their clients.
Will Chase Receivables sue me or garnish my wages?
The possibility of a lawsuit or wage garnishment by Chase Receivables depends largely on the laws of your state and the nature of the debt in question. However, generally, if a consumer fails to repay a debt, the collection agency may decide to file a lawsuit.
If the agency wins the case, it may obtain a judgment against the consumer and be able to garnish the consumer’s wages or bank accounts. However, this is not an inevitable outcome and there are often many steps in the process where arrangements can be made to repay the debt.
Chase Receivables 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 Chase Receivables
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 Chase Receivables 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.
- Chase Receivables debt collection agency cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Chase Receivables 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.
- Chase Receivables cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Chase Receivables From Your Credit Report Today!
Credit Saint offers assistance with disputing Chase Receivables 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.
