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 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.)
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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.
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Complete Payment Recovery Services, Inc. Contact Information
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?
It’s best to avoid speaking to a debt collector 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 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
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 Complete Payment Recovery Services
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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Complete Payment Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Complete Payment Recovery Services 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.
- Complete Payment Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Complete Payment Recovery Services From Your Credit Report Today!
Credit Saint can assist you in disputing Complete Payment Recovery Services collections. 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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