Collections USA

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Is Collections USA hurting your credit score?

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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?

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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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.

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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

Remove Collections USA, Inc. From Your Credit Report Today!

Credit Saint can assist you in disputing Collections USA 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.

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