Dyck-O’Neal

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?

Dyck-O’Neal 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.)

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.

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.?

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 Dyck-O’Neal is to work with a credit repair professional. They help remove millions of negative items every year from companies like Dyck-O’Neal on behalf of their clients.

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

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 Dyck-O’Neal

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Dyck-O’Neal may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Dyck-O’Neal 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.
• Dyck-O’Neal cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Dyck-O’Neal From Your Credit Report Today!

Credit Saint can assist you in disputing Dyck-O’Neal 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.