Who is Collections USA?
Collections USA, Inc. is a debt collection agency located in Phoenix, Arizona. They help businesses collect money owed to them.
You may find Collections USA listed on your credit report if you’ve failed to pay a bill and the original creditor has handed over the account to this agency.
Who does Collections USA collect for?
Collections USA offers its services across a range of sectors. They handle finance contract collections, typically related to loans or credit provided to consumers. They also specialize in judgment collections, which involve debts sanctioned by court judgments.
Their purview extends to medical collections, which involve debts incurred from medical services. Collections USA also caters to property management accounts, retail accounts, and utilities, ensuring that landlords, retailers, and utility companies can recover their money efficiently and lawfully.
Is Collections USA legit or a scam?
Collections USA, Inc. 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 Collections USA from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Collections USA, Inc. Contact Information
Address:
Collections USA
21640 N 19th Ave Ste C-3
Phoenix, AZ 85027
Mailing Address:
Collections USA
PO Box 10070
Glendale, AZ 85318-0070
Phone number: (800) 743-0434 or (623) 581-2433
Should I contact or pay Collections USA?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 Collections USA is to work with a credit repair professional. They help remove millions of negative items every year from companies like Collections USA, Inc. on behalf of their clients.
Will Collections USA sue me or garnish my wages?
If a debt remains unpaid, debt collection agencies like Collections USA have the right to sue the debtor for the amount owed. If they win the lawsuit, they may be granted a judgment that gives them the ability to garnish wages or levy bank accounts, depending on your state’s laws. However, it’s important to know that not every collection agency will choose to go to court, as it requires time, money, and resources.
Collections USA, 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 Collections USA, 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 Collections USA 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.
- Collections USA cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Collections USA 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.
- Collections USA cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Collections USA, Inc. From Your Credit Report Today!
Credit Saint offers assistance with disputing Collections USA accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
