Harvard Collection Services

Who is Harvard Collection Services?

Harvard Collection Services, Inc. is a debt collection agency based in Chicago, Illinois. They operate within various cities and towns in the region, including Evanston, Chicago, Joliet, Naperville, and Schaumburg. Their role is to help creditors recover money owed to them by consumers or businesses who have not paid their bills.

You may see Harvard Collection Services, Inc. on your credit report under collection accounts if you have an outstanding bill that hasn’t been paid and has been passed on to their agency.

Who does Harvard Collection Services collect for?

Harvard Collection Services works with a broad spectrum of industries, retrieving unpaid debts for clients in compliance and training, education, financial services, healthcare, government, telecommunications, and utilities sectors.

They handle collections ranging from unpaid certification fees and student loans, through unmet loan or credit card obligations, to unpaid medical bills, governmental fines, and unsettled telecommunications or utilities bills.

Is Harvard Collection Services legit or a scam?

Harvard Collection Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Harvard Collection Services 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.)

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

Harvard Collection Services, Inc. Contact Information

Address:

Harvard Collection Services
4839 N Elston Ave
Chicago, IL 60630

Phone number: (855) 945-4800 or (844) 886-3705

Should I contact or pay Harvard Collection Services?

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 Harvard Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Harvard Collection Services on behalf of their clients.

Will Harvard Collection Services sue me or garnish my wages?

Harvard Collection Services has the legal ability to sue you if you have a significant unpaid debt and other collection attempts have been unsuccessful. If they win the lawsuit and obtain a judgment against you, they could potentially garnish your wages or levy your bank account, depending on the laws in your state.

However, it’s important to remember that lawsuits and wage garnishments are usually seen as last resorts for collection agencies. Before resorting to these measures, they will typically try other methods to recover the debt, such as negotiating a payment plan or offering a settlement.

Harvard Collection Services 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Harvard Collection Services

Debt collectors must follow state and federal laws. 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 Harvard Collection Services 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.
• Harvard Collection Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Harvard Collection Services 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.
• Harvard Collection Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Harvard Collection Services From Your Credit Report Today!

Credit Saint can help you dispute Harvard Collection Services 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.