Who is H & R Accounts, Inc.?
H & R Accounts, Inc., aka Avadyne Health, is a debt collection agency located in East Moline, Illinois. They primarily serve hospitals, physicians, and clinics.
You may see H & R Accounts or Avadyne Health listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.
Removing H & R Accounts from Your Credit Report
H & R Accounts collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have a collection account removed from your credit report before 7 years.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a credit repair company that helps people fix their credit.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.
Call Lexington Law now to learn more: (800) 220-0084
H & R Accounts, Inc. Contact Information
Address:
H & R Accounts, Inc.
5320 22nd Ave
Moline, IL 61265
Website: n/a
Phone number: (309) 736-2255
Should I contact or pay H & R Accounts, Inc.?
Nothing good can come from contacting a debt collection agency. And making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse.
The best way to deal with a collection agency like H & R Accounts is to work with a professional credit repair service. They have deleted millions of negative items from companies like H & R Accounts for millions of clients nationwide.
And they can help you too.
Will H & R Accounts, Inc. 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 will help you dispute the collection account and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with H & R Accounts again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
H & R Accounts, Inc. Complaints
Most collection agencies have numerous complaints filed against them 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 find yourself facing any of these situations with a debt collection agency, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and H & R Accounts does too.
Your Rights When Dealing with H & R Accounts
There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect any debt, whether or not you actually owe it. 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 H & R Accounts to report inaccurate or incomplete information on your credit report.
- Debt validation. Under the FDCPA, you have the right to validate a debt. Upon request, the collection agency reporting the information must prove to you, within 30 days, that the account is really your responsibility and the amount of money you owe is accurate.
- All personal debts are covered, including personal credit cards, auto loans, household bills, and mortgage payments.
- H & R Accounts may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- H & R Accounts must be honest about who they are and what they are trying to do. They must notify you that they are a collection agency both orally and in writing.
- H & R Accounts cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
Can H & R Accounts collection accounts be removed from my credit report?
Lexington Law specializes in disputing H & R collection accounts. They have over 28 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.