Collectech Diversified


Is Collectech Diversified hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Collectech Diversified?

Collectech Diversified, Inc. (CDI) is a debt collection agency based in Lubbock, Texas. They work on behalf of creditors to recover unpaid debts.

If Collectech Diversified appears on your credit report, it typically indicates an unpaid debt that has been transferred to them for collection.

Who does Collectech Diversified collect for?

Collectech Diversified provides debt collection services to a variety of sectors but specifically focuses on medical, governmental, and large institutional collections within the regions of Texas, New Mexico, and Oklahoma.

If you have an outstanding debt in these regions, particularly related to healthcare, governmental fees or fines, or institutional dues, Collectech Diversified may be tasked with the responsibility of recovering that debt.

Is Collectech Diversified legit or a scam?

Collectech Diversified is a legitimate debt collection 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 Collectech Diversified from my credit report?

Collectech Diversified 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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Collectech Diversified, Inc. Contact Information


Collectech Diversified, Inc.
1721 45th St.
Lubbock, TX 79412

Phone number: (806)747-1122

Should I contact or pay Collectech Diversified, Inc.?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Collectech Diversified is to work with a credit repair professional. They help remove millions of negative items every year from companies like Collectech Diversified on behalf of their clients.

Will Collectech Diversified, Inc. sue me or garnish my wages?

Collectech Diversified, Inc. does have the legal right to sue for an unpaid debt. If they go to court and successfully obtain a judgment against you, they may then have the ability to garnish your wages, or levy your bank accounts, subject to the laws of your state.

However, it’s important to remember that these actions typically represent a last resort for debt collectors. The legal process can be expensive and time-consuming, and most collectors would prefer to work out a repayment plan before escalating to this level.

Collectech Diversified, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Collectech Diversified, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Collectech Diversified, 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Collectech Diversified cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Collectech Diversified must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Collectech Diversified cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Collectech Diversified, Inc. From Your Credit Report Today!

Credit Saint can help you dispute Collectech Diversified accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

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 or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.