Collectech Diversified

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.

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

Professional credit repair services work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Collectech Diversified, Inc. Contact Information

Address:

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

Phone number: (806)747-1122

Should I contact or pay Collectech Diversified, 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 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

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 Collectech Diversified, Inc.

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Collectech Diversified may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Collectech Diversified 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.
• Collectech Diversified cannot threaten to have you arrested or imprisoned over unpaid debts.

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

Credit Saint can assist you in disputing Collectech Diversified 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.