Debski & Associates, P.A.

Is Debski & Associates, P.A. hurting your credit score?

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

Who is Debski & Associates, P.A.?

Debski & Associates, P.A., also known as Rubin & Debski, P.A., is a debt collection agency and law firm based in Jacksonville, Florida.

If you see them listed on your credit report, it generally indicates that they are trying to collect on a debt you owe, typically from an unpaid bill or loan.

Who does Debski & Associates collect for?

Debski & Associates, P.A. primarily represents the business and banking communities in Florida and Georgia. They collect debts on behalf of various companies and financial institutions in these states.

Is Debski & Associates legit or a scam?

Debski & Associates is a legitimate law firm. They are authorized to collect debts on behalf of their clients. However, if you’re contacted by them about a debt, it’s important to verify the debt’s validity before agreeing to any payments.

How can I remove Debski & Associates 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.

Debski & Associates, P.A. Contact Information


Debski & Associates, P.A.
4417 Beach Blvd Ste 400
Jacksonville, FL 32207

Phone number: (800) 733-0717

Should I contact or pay Debski & Associates, P.A.?

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 Debski & Associates, P.A. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Debski & Associates, P.A. on behalf of their clients.

Will Debski & Associates, P.A. sue me or garnish my wages?

Debski & Associates, P.A. has the legal ability to file a lawsuit against you for an unpaid debt. If the court rules in their favor and they obtain a judgment against you, they might be able to garnish your wages, levy your bank account, or place a lien on your property, depending on the laws of your state.

However, a lawsuit is typically a last resort for most collection agencies. The process can be costly and time-consuming, so they usually prefer to establish a repayment plan with you first. It’s also important to note that just because they can sue doesn’t mean they will.

Debski & Associates, P.A. 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 Debski & Associates, P.A.

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 Debski & Associates, P.A. 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.
  • Debski & Associates, P.A. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Debski & Associates, P.A. 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.
  • Debski & Associates, P.A. cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Debski & Associates, P.A. From Your Credit Report Today!

Credit Saint can assist you in disputing Debski & Associates, P.A. 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.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.