How to Remove Hollis Cobb Associates From Your Credit Report

If Hollis Cobb Associates is showing up on your credit report, you’re probably wondering how to deal with it—and how to get it removed.

Here’s what you need to know about this debt collection agency, your rights, and the steps to take if they’re affecting your credit score.

Who Is Hollis Cobb Associates?

Hollis Cobb Associates, Inc., also known as Patient Accounts Bureau, is a debt collection agency based in Duluth, Georgia. They collect unpaid debts for various businesses, mainly in the healthcare industry.

If you’ve missed payments on a medical bill or related expense, the original creditor may have turned your account over to them. That’s when Hollis Cobb Associates might appear as a collections account on your credit report.

Who Does Hollis Cobb Associates Collect For?

Hollis Cobb Associates focuses primarily on healthcare collections. Their clients include:

• Hospitals and physician groups
• Medical and dental practices
• Imaging and diagnostic centers
• Medical equipment suppliers
• Pharmacies
• Health insurance providers
• Long-term care facilities
• Home healthcare companies

They typically collect unpaid medical bills, service fees, equipment charges, and other healthcare-related debts.

Is Hollis Cobb Associates Legit?

Yes, Hollis Cobb Associates is a legitimate debt collector. They’ve been in business since 1977 and are authorized to collect debts on behalf of their clients.

That doesn’t mean you should take every debt claim at face value. Always verify the details before making payments.

How to Remove Hollis Cobb Associates From Your Credit Report

A collections account can damage your credit score for up to seven years—but that doesn’t mean you’re stuck with it.

Here are your options:

• Dispute Errors: Start by checking your credit report for inaccuracies. If the debt isn’t yours or details are wrong, file a dispute with the credit bureaus.
• Request Debt Validation: You have the right to ask Hollis Cobb Associates to validate the debt. They must prove the debt is yours and provide accurate information.
• Negotiate a Pay-for-Delete: In some cases, you can offer to pay the debt in exchange for having the account removed from your credit report. Get any agreement in writing first.
• Work With a Credit Repair Company: If you prefer expert help, consider working with professionals who handle disputes and negotiate on your behalf.

Should You Contact or Pay Hollis Cobb Associates?

Before reaching out or sending any payments, take these steps:

• Review your credit report to confirm the debt details.
• Request validation to ensure the debt is accurate and still legally collectible.
• Understand that making payments may restart the statute of limitations, which could give the collection agency more time to pursue legal action.

Many people choose to work with credit repair professionals to avoid making costly mistakes when dealing with collection accounts.

Can Hollis Cobb Associates Sue You or Garnish Wages?

Debt collectors like Hollis Cobb Associates can sue you to collect unpaid debts. If they win the case, they could get a court judgment allowing them to garnish your wages or freeze your bank account, depending on your state laws.

Lawsuits are usually a last resort, but ignoring collection notices increases the risk. Taking action early, whether through disputes or settlements, can help you avoid legal problems.

Common Complaints About Hollis Cobb Associates

Like many debt collectors, Hollis Cobb Associates has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).

Common issues include:

• Incorrect reporting
• Failure to validate debts
• Harassing phone calls

If you feel your rights are being violated, file a complaint with the CFPB or BBB and document all interactions.

Your Rights Under the FDCPA and FCRA

Debt collectors must follow federal laws designed to protect you:

• Hollis Cobb Associates cannot report false or incomplete information to the credit bureaus.
• You can send a written request for debt validation. They must respond within 30 days.
• They are prohibited from using threats, harassment, or abusive language.
• They must clearly state that they are a debt collector attempting to collect a debt.
• They cannot threaten arrest or legal action they don’t intend to pursue.

Knowing your rights gives you the confidence to handle collections the right way.

Hollis Cobb Associates Contact Information

Mailing Address:
Hollis Cobb Associates, Inc.
3175 Satellite Blvd, Ste 400
Duluth, GA 30096

Phone Number:
(678) 969-7800

Ready to Get Hollis Cobb Associates Off Your Credit Report?

Dealing with collections can feel overwhelming, but help is available. Credit Saint has helped thousands of people challenge inaccurate items and clean up their credit reports.

They even offer a 90-day money-back guarantee for added peace of mind.

To learn more, visit their website or call (855) 281-1510 for a free consultation. The sooner you take action, the sooner you can start rebuilding your credit.