Who is Creditech Collection Solutions?
Creditech Collection Solutions is a debt collection agency based in Bangor, Pennsylvania. The company’s primary business involves managing and collecting overdue debts on behalf of various creditors.
If you find Creditech Collection Solutions listed on your credit report, it generally signifies an outstanding debt that you have not yet repaid.
Who does Creditech Collection Solutions collect for?
Creditech Collection Solutions operates as a debt collection agency for a wide range of original creditors. They specialize in recovering past due debts from sectors that could include healthcare providers, financial institutions, utilities companies, and more.
Is Creditech Collection Solutions legit or a scam?
Creditech Collection Solutions is a legitimate company. However, as part of their debt collection practices, they may make frequent calls, texts, or emails, which some individuals may find bothersome or excessive.
How can I remove Creditech Collection Solutions 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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Creditech Collection Solutions Contact Information
Creditech Collection Solutions
50 N 7th St.
Bangor, PA 18013-1731
Phone number: (800) 555-5695
Should I contact or pay Creditech Collection Solutions?
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 Creditech Collection Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Creditech Collection Solutions on behalf of their clients.
Will Creditech Collection Solutions sue me or garnish my wages?
As a debt collection agency, Creditech Collection Solutions does have the legal right to sue you for unpaid debts. If they file a lawsuit and the court rules in their favor, they could potentially garnish your wages or levy your bank account.
However, wage garnishment is usually considered a last resort, typically pursued after numerous attempts to collect the debt through other means have failed. Before Creditech Collection Solutions, or any debt collector, can garnish your wages, they would first need to file a lawsuit, win the case, and receive a court order permitting wage garnishment.
The laws surrounding wage garnishment vary from state to state, so the specifics of what could happen in your situation depend on local laws and the nature of your debt. If you’re facing a potential lawsuit from a debt collector, it’s generally a good idea to consult with a legal professional to understand your rights and possible courses of action.
Creditech Collection Solutions 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 Creditech Collection Solutions
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 Creditech Collection Solutions 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.
- Creditech Collection Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Creditech Collection Solutions 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.
- Creditech Collection Solutions cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Creditech Collection Solutions From Your Credit Report Today!
Credit Saint can assist you in disputing Creditech Collection Solutions 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.
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