Who is EZ Pass Collections?
EZ Pass is an electronic toll collection system used on toll roads in the United States.
You may see EZ Pass listed on your credit report as a collections account if you have unpaid tolls.
How can I remove EZ Pass Collections 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.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional credit repair company that helps people fix their credit.
In addition to collections, Lexington Law helps you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
EZ Pass Collections Contact Information
Address:
EZ Pass
750 Shipyard Dr
Wilmington, DE 19801
Phone number: (973) 368-1425
Should I contact or pay EZ Pass Collections?
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 EZ Pass Collections is to work with a credit repair professional. They delete millions of negative items every year from companies like EZ Pass Collections on behalf of their clients.
And they may be able to help you too.
Will EZ Pass Collections sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also possible that you never hear from or have to deal with EZ Pass Collections again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove derogatory marks from your credit history that will significantly improve your credit scores.
Wage Garnishment
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for EZ Pass Collections to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is EZ Pass Collections hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell delinquent debt from one another, so this can lead to multiple collections showing on your credit reports for the same account.
If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.
EZ Pass Collections 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). Lexington Law knows that you have rights, and EZ Pass Collections does too.
Your Rights When Dealing with EZ Pass Collections
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 EZ Pass Collections to report inaccurate or incomplete information on your credit report.
- 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.
- EZ Pass Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- EZ Pass Collections 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.
- EZ Pass Collections cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove EZ Pass Collections From Your Credit Report Today!
Lexington Law specializes in disputing EZ Pass Collections collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable credit repair company to assist you with collection accounts and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
