Who is Dyck-O’Neal?
Dyck-O’Neal, Inc. is a national debt collection agency and debt buyer based in Dallas, Texas. As a debt collector, its primary role is to collect overdue payments from individuals on behalf of various organizations or to recover debt it has purchased.
If Dyck-O’Neal is listed on your credit report as a collections account, it signifies that they have assumed responsibility for collecting an unpaid debt that you owe.
Who does Dyck-O’Neal collect for?
Dyck-O’Neal specializes in collecting mortgage-related debts. Their purview includes mortgage deficiencies, deficiency judgments, non-performing and sub-performing liens, real estate loans, short sale workout notes, and commercial real estate debt.
Is Dyck-O’Neal legit or a scam?
Dyck-O’Neal 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 Dyck-O’Neal Collections 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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Dyck-O’Neal, Inc. Contact Information
Address:
Dyck-O’Neal, Inc.
3100 Monticello Ave Ste 650
Dallas, TX 75205
Phone number: (800) 447-2481 or (877) 425-7131
Should I contact or pay Dyck-O’Neal, Inc.?
Before reaching out to any collection agency, it’s essential to confirm that the debt is both valid and accurately reflected on your credit report. Mistakes can happen, and sometimes debts listed may no longer be enforceable. Keep in mind that making a payment could restart the statute of limitations, which might negatively impact your credit.
A more reliable approach to handling Dyck-O’Neal, Inc. may be working with a credit repair expert. These professionals help remove millions of negative items every year, including entries from companies like Dyck-O’Neal.
Will Dyck-O’Neal, Inc. sue me or garnish my wages?
Dyck-O’Neal, Inc. does have the potential to take legal action, including lawsuits, to recover unpaid debts. If they are successful in court and obtain a judgment against you, they may be able to garnish your wages or levy your bank account to recoup the debt.
However, this course of action is generally a last resort. Lawsuits can be costly and time-consuming, so they typically attempt to work out payment plans or settlements with debtors first.
Dyck-O’Neal, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints involve inaccurate reporting, harassment, and failure to verify debts. If you’re experiencing harassment, filing a complaint could be a step to consider.
You are protected by several rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws give you the ability to dispute errors on your credit report and ensure that debt collectors treat you fairly and with respect.
Your Rights When Dealing with Dyck-O’Neal
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 Dyck-O’Neal 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.
- Dyck-O’Neal cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Dyck-O’Neal 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.
- Dyck-O’Neal cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Dyck-O’Neal From Your Credit Report Today!
Credit Saint specializes in disputing Dyck-O’Neal accounts. With more than 15 years of experience, they have a strong track record of successfully removing inaccurate entries from credit reports.
If you’re tired of dealing with collection agencies and want to boost your credit, working with a reputable credit repair company can help.
They’ve assisted many clients in similar situations. Visit their website or call (855) 281-1510 for a free credit consultation to explore how they can assist you.
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