Congress Collection


Is Congress Collection hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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?

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.

Congress Collection Contact Information


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. 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 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

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 Congress Collection

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

Remove Congress Collection From Your Credit Report Today!

Credit Saint can assist you in disputing Congress Collection 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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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.