Who is Coast Professional?
Coast Professional, Inc. is a debt collection agency based in Geneseo, New York. They are responsible for debt recovery for numerous institutions, primarily focusing on defaulted federal student loan debts.
If you find Coast Professional listed on your credit report, it likely indicates that you have an unpaid debt that has been sent to collections. This typically occurs when you default on a federal student loan or neglect to pay a bill.
Who does Coast Professional collect for?
Coast Professional primarily collects defaulted student loan debt. They work closely with over 200 colleges and universities, as well as the Department of Education.
In addition to educational institutions, they also handle debt recovery for local and state government agencies, which can include municipalities or utility providers. Their primary goal is to facilitate the repayment of outstanding debts to these organizations.
Is Coast Professional legit or a scam?
Coast Professional, Inc. is a legitimate company. However, their tactics for recovering debts can sometimes feel overwhelming to the debtor. This could include frequent calls, texts, or emails attempting to secure repayment.
How can I remove Coast Professional, 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.)
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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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Coast Professional, Inc. Contact Information
Coast Professional, Inc.
4273 Volunteer Rd
Geneseo, NY 14454
Phone number: (800) 231-0225
Should I contact or pay Coast Professional, 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 Coast Professional is to work with a credit repair professional. They help remove millions of negative items every year from companies like Coast Professional on behalf of their clients.
Will Coast Professional sue me or garnish my wages?
Coast Professional does have the legal ability to sue for an unpaid debt. If they decide to take legal action and win the lawsuit, they could be granted a court order to garnish your wages or take other measures to recover the debt. This could include levying your bank accounts or placing a lien on your property, depending on the laws in your state.
However, the decision to sue a debtor depends on various factors, including the size of the debt, the cost of litigation, and whether they believe you have the ability to repay the debt. While the threat of legal action can be intimidating, it’s important to note that not all debt collectors will choose to pursue this route.
Coast Professional, 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 Coast Professional, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Coast Professional, 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.
- Coast Professional, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Coast Professional 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.
- Coast Professional cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Coast Professional From Your Credit Report Today!
Credit Saint can assist you in disputing Coast Professional 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.
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