Who is Coachella Valley Collection Service?
Coachella Valley Collection Service (CVCS) is a debt collection agency based in Palm Desert, California. They work on behalf of creditors to collect unpaid debts.
If you have defaulted on a debt and it has been transferred or sold to CVCS, you may see their name appear on your credit report as a collections account.
Who does Coachella Valley Collection Service collect for?
Coachella Valley Collection Service collects debts for various original creditors. They deal with different types of debts, including medical bills, credit card debt, utility bills, and more.
Is Coachella Valley Collection Service legit or a scam?
Coachella Valley Collection Service is a legitimate company. They are authorized to collect debts on behalf of their clients. However, if you are contacted by them, you should always confirm the legitimacy of the debt they claim you owe.
How can I remove Coachella Valley Collection Service from my credit report?
CVCS 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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Coachella Valley Collection Service (CVCS) Contact Information
Coachella Valley Collection Service
75108 Gerald Ford Dr. #1
Palm Desert, CA 92211
Phone number: (760) 346-7458
Should I contact or pay Coachella Valley Collection Service?
Nothing good can come from speaking to a third-party 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 Coachella Valley Collection Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Coachella Valley Collection Service (CVCS) on behalf of their clients.
Will CVCS sue me or garnish my wages?
Coachella Valley Collection Service (CVCS), like other debt collection agencies, is entitled to sue you to recover an unpaid debt. If they choose to do so and obtain a court judgment against you, they could potentially garnish your wages or take other action, depending on the laws in your state.
However, it’s important to remember that not all debt collection agencies will choose to take this step, as lawsuits can be costly and time-consuming. It is often considered a last resort when other debt collection efforts have failed.
Coachella Valley Collection Service 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 Coachella Valley Collection Service
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 Coachella Valley Collection Service 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.
- Coachella Valley Collection Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- CVCS 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.
- CVCS cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove CVCS Collections From Your Credit Report Today!
Credit Saint can assist you in disputing Coachella Valley Collection Service 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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