Who is Grimm Collections?
Grimm Collections, Inc. (GCI), based in Tumwater, Washington, is a debt collection agency responsible for assisting creditors to recover unpaid debts. If you have an outstanding bill that hasn’t been paid, the original creditor may pass the debt to GCI for collection.
Who does Grimm Collections collect for?
Grimm Collections collects on behalf of Washington State businesses, municipalities, and healthcare facilities. They represent businesses in recovering unpaid debts, aid municipalities with unpaid fines, taxes, or utility bills, and assist healthcare facilities in collecting unpaid medical bills.
Is Grimm Collections legit or a scam?
Grimm Collections is a legitimate debt collection company that has been in operation since 1945. They are not a scam, but part of their business practices may involve persistent contact methods, such as phone calls, texts, or emails to recover debts. While these methods can be intrusive, they are generally within the legal boundaries of debt collection.
How can I remove Grimm 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.)
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.
Grimm Collections Contact Information
1677 S 2nd Ave SW
Tumwater, WA 98512
PO Box 15209
Tumwater, WA 98511
Phone number: (800) 584-8908 or (360) 754-6333
Should I contact or pay Grimm Collections?
It’s best to avoid speaking to a debt collector 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 Grimm Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Grimm Collections on behalf of their clients.
Will Grimm 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 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 Grimm Collections again.
Wage garnishment rules differ by state. In states prohibiting it, debt collectors can’t legally threaten garnishment. Grimm Collections is also forbidden from making unfounded threats, including lawsuits or home foreclosure.
Grimm 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 you find yourself facing any of these situations with a debt collector, you may also 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 Grimm 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 Grimm 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.
- Grimm Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Grimm Collections must be honest about who they are and what they are attempting to do. They must notify you that they are a collection agency both orally and in writing.
- Grimm Collections cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Grimm Collections From Your Credit Report Today!
Lexington Law can assist you in disputing Grimm Collections accounts. With more than 19 years of experience, they achieved over 81 million removals for their 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 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.
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