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 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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Harvard Collection Services, Inc. Contact Information
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?
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 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
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 Harvard Collection Services
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Harvard Collection Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Harvard Collection Services 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.
- Harvard Collection Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Harvard Collection Services From Your Credit Report Today!
Credit Saint can assist you in disputing Harvard Collection Services 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.
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