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