Hillcrest, Davidson & Associates

Who is Hillcrest, Davidson & Associates?

Hillcrest, Davidson & Associates, LLC is a third-party collection agency based in Richardson, Texas. Their primary function is to recover debts on behalf of creditors.

If Hillcrest, Davidson & Associates appears on your credit report as a collections account, it means they’ve been assigned the task of collecting a debt from you that you have not yet paid.

Who does Hillcrest, Davidson & Associates collect for?

Hillcrest, Davidson & Associates focuses on a specific niche within the debt collection industry: outstanding medical and healthcare bills. Their specialization includes debts arising from various types of healthcare services, such as hospital care, doctor’s office visits, medical procedures, and potentially health insurance premiums.

Is Hillcrest, Davidson & Associates legit or a scam?

Hillcrest, Davidson & Associates 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 Hillcrest, Davidson & Associates 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.)

Professional credit repair services work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Hillcrest, Davidson & Associates, LLC Contact Information

Address:

Hillcrest, Davidson & Associates
715 N Glenville Dr Suite 450
Richardson, TX 75081

Phone number: (866) 524-9866

Should I contact or pay Hillcrest, Davidson & Associates?

It’s best to avoid speaking to a debt 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 Hillcrest, Davidson & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Hillcrest, Davidson and Associates on behalf of their clients.

Will Hillcrest, Davidson & Associates sue me or garnish my wages?

Hillcrest, Davidson & Associates, LLC does have the authority to sue you for the unpaid debt. If they successfully win a lawsuit and the court issues a judgment against you, they may be granted permission to garnish your wages or take other measures to collect the debt. However, these measures are typically governed by the laws in your specific state.

It’s important to note that legal action is usually a last resort for most collection agencies, due to the cost, time, and effort it involves. Before resorting to such steps, they often try to establish a repayment plan or negotiate a debt settlement with the debtor.

Hillcrest, Davidson & Associates, LLC 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 Hillcrest, Davidson & Associates

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 Hillcrest, Davidson and Associates 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.
• Hillcrest, Davidson and Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Hillcrest, Davidson and Associates 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.
• Hillcrest, Davidson and Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Hillcrest, Davidson & Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Hillcrest, Davidson & Associates 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.