Who is Forster & Garbus, LLP?
Forster & Garbus, LLP is a debt collection law firm located in Commack, New York.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
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 debts 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 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.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law Firm is a credit repair company that helps people fix their credit.
In addition to collections, they can work with 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.
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?
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 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, LLP 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 aid you in disputing the collection account with the credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you will never hear from or have to deal with Forster & Garbus again.
Wage garnishment legality varies by state. In places where it’s disallowed, a debt collector’s threat to garnish wages is illegal. Forster and Garbus cannot legally make claims they can’t or won’t execute, like threatening lawsuits or property foreclosure.
Forster & Garbus, LLP 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 Forster & Garbus, LLP
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Forster & Garbus, LLP 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.
- Forster & Garbus may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Forster & Garbus 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.
- Forster & Garbus cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Forster & Garbus From Your Credit Report Today!
Lexington Law can assist you in disputing Forster and Garbus accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
