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 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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Forster & Garbus, LLP Contact Information
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 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
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 a debt collector.
Your Rights When Dealing with Forster & Garbus
Forster & Garbus 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, 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 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. 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.
- The law firm 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.
- The law firm cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Forster & Garbus From Your Credit Report Today!
Credit Saint can assist you in disputing Forster and Garbus 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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