Who is EZ Pass Collections?
EZ Pass is an electronic toll collection system widely used on toll roads, bridges, and tunnels in the United States. EZ Pass Collections primarily handles unpaid toll debts.
If a vehicle passes through an EZ Pass toll location without paying, it incurs a debt. This can occur for a couple of reasons. One reason might be that the vehicle doesn’t have an EZ Pass transponder. Another reason could be that the transponder account doesn’t have enough funds.
If you have unpaid tolls, you might see EZ Pass listed on your credit report as a collections account. This is because the unpaid tolls represent a debt you owe.
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.
(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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EZ Pass Collections Contact Information
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 help remove millions of negative items every year from companies like EZ Pass Collections on behalf of their clients.
Will EZ Pass Collections sue me or garnish my wages?
EZ Pass Collections is entitled to sue you for the unpaid amount. However, the likelihood of a lawsuit or wage garnishment depends on many factors, such as the amount of the debt, the length of time the debt has been unpaid, and the regulations governing the entity.
Generally, entities like EZ Pass Collections prefer to recover debts through less confrontational means. They may send repeated notices or offer payment plans before resorting to legal action. Even if a lawsuit occurs, wage garnishment isn’t automatic. It usually requires a court order and is subject to state and federal laws.
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). 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 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 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.
- 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!
Credit Saint can assist you in disputing EZ Pass Collections 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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