Who is Hoosier Accounts Service?
Hoosier Accounts Service is a legitimate debt collection agency based in Evansville, Indiana. The company operates primarily in Indiana, Illinois, and Kentucky, with a mission to recover outstanding debts for various creditors.
If you find Hoosier Accounts Service listed on your credit report, this typically implies that you have a debt that went unpaid, and the account has been sent to collections.
Who does Hoosier Accounts Service collect for?
Hoosier Accounts Service works on behalf of various original creditors to recover past-due debts. These creditors can span a wide range of industries, from medical providers to financial institutions, utility companies, and other service providers.
Essentially, if a company or institution has an outstanding debt owed by a customer or client, they may employ the services of Hoosier Accounts Service to help recover that debt.
Is Hoosier Accounts Service legit or a scam?
Hoosier Accounts Service is a legitimate company. However, it is not uncommon for such companies to engage in persistent and sometimes aggressive tactics to recover the debts, such as frequent calls, texts, or emails.
How can I remove Hoosier Accounts Service from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Hoosier Accounts Service Contact Information
Address:
Hoosier Accounts Service
2545 MJM Industrial Dr.
Evansville, IN 47715
Phone number: (812) 426-2291 or (800) 566-3103
Should I contact or pay Hoosier Accounts Service?
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 Credit reports can contain errors or list debts that are no longer valid.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 Hoosier Accounts Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Hoosier Accounts Service on behalf of their clients.
Will Hoosier Accounts Service sue me or garnish my wages?
Hoosier Accounts Service is legally entitled to file a lawsuit against you if you have an unpaid debt and haven’t been responsive to their attempts at resolution. If they decide to sue you and win the case, they may be granted a judgment that allows them to garnish your wages, levy your bank accounts, or take other legal actions to recover the debt.
However, it’s important to note that whether they choose to sue or not often depends on multiple factors, including the size of the debt, the likelihood of successful repayment, and the statute of limitations, which varies from state to state.
Hoosier Accounts Service 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 Hoosier Accounts Service
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 Hoosier Accounts Service 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.
- Hoosier Accounts Service cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Hoosier Accounts Service 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.
- Hoosier Accounts Service cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Hoosier Accounts Service From Your Credit Report Today!
Credit Saint offers assistance with disputing Hoosier Accounts Service collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
