Hillcrest, Davidson & Associates

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Is Hillcrest, Davidson & Associates hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 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.)

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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.

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

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 Hillcrest, Davidson & Associates

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 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Hillcrest, Davidson and Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Hillcrest, Davidson and Associates 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.
  • Hillcrest, Davidson and Associates cannot threaten to have you arrested or imprisoned for unpaid debts.

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

Credit Saint can help you dispute Hillcrest, Davidson & Associates 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.

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