Forster & Garbus

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Is Forster & Garbus hurting your credit score?

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Who is Forster & Garbus?

Forster & Garbus, LLP is a debt collection law firm located in Commack, New York. They specialize in assisting creditors with debt recovery.

If you fail to pay a bill, you may see Forster & Garbus listed on your credit report as a collections account. This indicates that the creditor has enlisted their services to pursue the outstanding debt.

Who does Forster & Garbus collect for?

Forster & Garbus collects defaulted credit card debt for banks and credit card companies like Capital One Bank, Citibank, Discover, and Macy’s. They are also third-party debt buyers who collect defaulted student loan debt from National Collegiate Fund, Sallie Mae, and others.

Is Forster & Garbus legit or a scam?

Forster & Garbus is indeed a real company and not a scam. They are a full-service law firm specializing in creditor rights, including debt collection. This means they could be contacting you on behalf of a client (typically a lender or another financial institution) to whom you owe money.

The company is known for its persistent, and sometimes seemingly excessive, communication methods. If you owe money, you may find yourself on the receiving end of regular phone calls, texts, or emails from Forster & Garbus.

How can I remove Forster and Garbus from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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Forster & Garbus, LLP Contact Information

Address:

Forster & Garbus, LLP
60 Motor Parkway
Commack, NY 11725

Phone number: (800) 245-9943 or (631) 393-9400

Should I contact or pay Forster & Garbus?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Forster & Garbus is to work with a credit repair professional. They help remove millions of negative items every year from companies like Forster & Garbus on behalf of their clients.

Will Forster & Garbus sue me or garnish my wages?

Forster & Garbus, LLP has the option to pursue legal action if they are unable to collect the debt through other means. If they sue you and win, they may be able to garnish wages or levy bank accounts to collect the debt, based on local laws.

However, it’s important to note that debt collection lawsuits and wage garnishment are generally considered as last resorts. Debt collection law firms typically prefer to explore alternative options for debt resolution before pursuing such measures.

Forster & Garbus, LLP Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 a debt collector.

Your Rights When Dealing with Forster & Garbus

Forster & Garbus must abide by state and federal laws in the United States. 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 Forster & Garbus 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.
  • Forster & Garbus cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • The law firm 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.
  • The law firm cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Forster & Garbus From Your Credit Report Today!

Credit Saint can help you dispute Forster and Garbus accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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