Who is Client Services, Inc.?
Client Services, Inc. (CSI) is a debt collection agency with its primary location in St. Charles, Missouri, and an additional location in Lenexa, Kansas. They are in the business of collecting debts on behalf of other entities.
If you have an unpaid bill, your original creditor may sell or transfer that debt to a collection agency like CSI, which can result in their name appearing on your credit report as a collection account.
Who does Client Services, Inc. collect for?
Client Services, Inc. primarily provides their debt collection services to clients in the healthcare industry. This could include hospitals, clinics, doctors, or other healthcare providers who are trying to recover unpaid medical bills. If you have an outstanding medical bill, it might be CSI who contacts you for repayment.
Is Client Services, Inc. legit or a scam?
Client Services, Inc. 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 Client Services, Inc. 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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
Client Services, Inc. (CSI) Contact Information
Client Services, Inc.
3451 Harry S Truman Blvd
Saint Charles, MO 63301
Phone number: (800) 521-3236
Should I contact or pay Client Services, 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 collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Client Services, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Client Services, Inc. on behalf of their clients.
Will Client Services, Inc. sue me or garnish my wages?
Client Services, Inc., like any debt collection agency, has the legal right to sue you for unpaid debts. If they win a judgment against you in court, they might be able to garnish your wages, levy your bank account, or employ other legal methods to recover the debt, depending on the laws in your specific jurisdiction.
However, not all debts are eligible for these actions, and not all collection agencies will choose to sue. The process of going to court can be expensive and time-consuming, so it is often a last resort.
Client Services, Inc. (CSI) 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 you are being harassed by Client Services, Inc, you should also 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 Client Services, Inc.
Client Services, Inc. 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 Client Services, 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.
- Client Services, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Client Services 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.
- Client Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove CSI Collections From Your Credit Report Today!
Lexington Law can assist you in disputing CSI collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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