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?
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.
Chase Receivables Contact Information
Sonoma, CA 95476
P.O. Box 659
West Caldwell, NJ 07004
Phone number: (866) 855-3970
Should I contact or pay Chase Receivables?
It’s best to avoid speaking to a debt collector 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 collection account, especially if it’s new, and you’re certain that it’s legit.
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
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 Chase Receivables
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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Chase Receivables debt collection agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Chase Receivables 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.
- Chase Receivables cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Chase Receivables From Your Credit Report Today!
Credit Saint can assist you in disputing Chase Receivables 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.
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