Who is Columbia Collection Service?
Columbia Collection Service, Inc. is a professional debt collection agency based in Milwaukie, Oregon.
If Columbia Collection Service appears on your credit report, it usually indicates that they have received a debt in your name from an original creditor. This typically happens when a bill remains unpaid for an extended period, leading the original creditor to turn to a collection agency for help in recovering the money.
Who does Columbia Collection Service collect for?
Columbia Collection Service works on behalf of a variety of original creditors, acting as a third-party agency to recover past-due debts. Their clientele may encompass a wide range of sectors such as healthcare providers, financial institutions, utilities, retail businesses, and more.
Is Columbia Collection Service legit or a scam?
Columbia Collection Service, Inc. is a legitimate company. They follow industry-standard practices, which can often include frequent communication attempts through phone calls, text messages, or emails. While such tactics can be intrusive and annoying, they are generally within legal bounds.
How can I remove Columbia Collection Service 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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
Columbia Collection Service, Inc. Contact Information
Columbia Collection Service, Inc.
10888 SE Main St. Ste 200
Milwaukie, OR 97222
Phone number: (800) 807-3476 or (503) 635-9885
Should I contact or pay Columbia Collection Service?
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 Columbia Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Columbia Collection Service, Inc. on behalf of their clients.
Will Columbia Collection Service sue me or garnish my wages?
Columbia Collection Service has the authority to take legal action against a debtor if attempts to collect the debt through regular channels have been unsuccessful. If a court rules in their favor, the company may receive permission to garnish your wages or take other measures to recover the debt, subject to the laws of your specific state.
However, legal action is often a last resort for debt collectors. Before it reaches this point, you will likely receive numerous notices and have ample opportunity to address the debt. It’s also important to note that Columbia Collection Service, like any debt collector, is required to prove in court that the debt is valid and that you are the correct debtor.
Columbia Collection Service, 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 Columbia Collection Service, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector 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 Columbia Collection Service 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.
- Columbia Collection Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Columbia Collection Service 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.
- Columbia Collection Service cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Columbia Collection Service From Your Credit Report Today!
Lexington Law can assist you in disputing Columbia Collection Service accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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