Who is Complete Payment Recovery Services?
Complete Payment Recovery Services, Inc. (CPRS) is a debt collection agency based in Saint Petersburg, Florida. They work with creditors to recoup unpaid debts.
If you have defaulted on a payment, CPRS might be tasked with retrieving that debt. Consequently, their name may appear on your credit report as a collection account.
Who does Complete Payment Recovery Services collect for?
Complete Payment Recovery Services has a range of specialties in debt collection. They work on behalf of creditors to recover outstanding debts from auto loans, credit cards, student loans, medical bills, and mortgages.
Is Complete Payment Recovery Services legit or a scam?
Complete Payment Recovery Services is a legitimate 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 Complete Payment Recovery Services from my credit report?
Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might 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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Complete Payment Recovery Services, Inc. Contact Information
Address:
Complete Payment Recovery Services, Inc.
11601 Roosevelt Blvd N
Saint Petersburg, FL 33716
Phone number: (800) 374-1263
Should I contact or pay Complete Payment Recovery Services?
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 Credit reports can contain errors or list debts that are no longer valid.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 Complete Payment Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Complete Payment Recovery Services on behalf of their clients.
Will Complete Payment Recovery Services sue me or garnish my wages?
Complete Payment Recovery Services, Inc. (CPRS) can potentially sue you for the unpaid debt. If they win the lawsuit and receive a court judgment against you, they may also have the legal right to garnish your wages or bank accounts to recoup the debt, but this depends on the specific laws of your state. Also, remember that not every collection agency will choose to take these steps.
Complete Payment Recovery Services, 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 Complete Payment Recovery Services
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 Complete Payment Recovery Services 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.
- Complete Payment Recovery Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Complete Payment Recovery Services 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.
- Complete Payment Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Complete Payment Recovery Services From Your Credit Report Today!
Credit Saint can help you dispute Complete Payment Recovery Services collections. 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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