Who is Congress Collection?
Congress Collection is a debt collection agency based in Farmington Hills, Michigan. They are engaged in the recovery of outstanding debts.
If you see Congress Collection on your credit report as a collections account, it typically indicates an unpaid bill that has been handed over to them for collection. This occurs when a bill is not paid within the agreed-upon period.
Who does Congress Collection collect for?
Congress Collection works with a variety of clients across different sectors, collecting debts on their behalf. The industries they service include commercial businesses, financial services, government entities, healthcare providers, and institutions of higher education.
Is Congress Collection legit or a scam?
Congress Collection 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 Congress Collection 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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Congress Collection Contact Information
Address:
Congress Collection East
28552 Orchard Lake Road, Suite 200
Farmington Hills, MI 48334
Congress Collection West
117 E. Walker St.
St. Johns, MI 48879
Mailing address:
Congress Collection
P.O. Box 130
St. Johns, MI 48879
Phone number: (800) 395-2989 or (248) 355-7900
Should I contact or pay Congress Collection?
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 Credit reports can contain errors or list debts that are no longer valid.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 Congress Collection is to work with a credit repair professional. They help remove millions of negative items every year from companies like Congress Collection on behalf of their clients.
Will Congress Collection sue me or garnish my wages?
Initiating legal proceedings to collect a debt, including suing or wage garnishment, is within the rights of a debt collection agency like Congress Collection, but these measures are typically last resorts. Legal action is time-consuming and costly, with no guaranteed success in debt recovery.
Before pursuing a lawsuit, Congress Collection will likely use standard collection methods like phone calls, letters, and payment plan proposals. If these measures fail and a lawsuit ensues, Congress Collection may potentially garnish wages or levy bank accounts following a judgment, provided state laws allow such actions.
Congress Collection 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 Congress Collection
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 Congress Collection 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.
- Congress Collection cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Congress Collection 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.
- Congress Collection cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Congress Collection From Your Credit Report Today!
Credit Saint offers assistance with disputing Congress Collection 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.
