Who is Clear Recovery?
Clear Recovery, Inc., aka Merchants Credit Adjusters, Inc., is a debt collection agency located in Omaha, Nebraska. The company specializes in debt recovery services, working with individuals and businesses to resolve unpaid debts.
If you have outstanding financial obligations that you’ve been unable to meet, your debts may have been transferred to Clear Recovery.
Who does Clear Recovery collect for?
Clear Recovery works with a diverse range of clients across several sectors. They provide debt collection services to financial institutions, which may include banks, credit unions, and credit card companies, to recover unpaid loans or credit card debts.
Government offices also utilize their services to collect on unpaid fines, taxes, or other fees. In the healthcare sector, Clear Recovery assists facilities like hospitals and clinics in collecting unpaid medical bills. Additionally, they work with utilities companies to collect on past due accounts for services such as electricity, gas, water, and waste management.
Is Clear Recovery legit or a scam?
Clear 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 Clear Recovery 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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Clear Recovery, Inc. Contact Information
Clear Recovery, Inc.
4005 S 148th St.
Omaha, NE 68137
Phone number: (402) 391-3933
Should I contact or pay Clear Recovery, Inc.?
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 Clear Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Clear Recovery on behalf of their clients.
Will Clear Recovery, Inc. sue me or garnish my wages?
Clear Recovery, Inc. may sue you to recover an unpaid debt. If they win a judgment against you in court, they could potentially garnish your wages or seize your assets depending on the laws in your state.
However, it’s important to note that not all debt collection agencies will resort to these measures. It can depend on many factors, including the size of the debt, how long it has been delinquent, and the specific policies of the agency.
Clear 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 Clear Recovery, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Clear Recovery, Inc. 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.
- Clear Recovery, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Clear Recovery, Inc. 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.
- Clear Recovery, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Clear Recovery From Your Credit Report Today!
Credit Saint can assist you in disputing Clear Recovery 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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