Who is HP Sears?
HP Sears, also known as Herbert P. Sears Co., Inc., is a debt collection agency located in Bakersfield, California.
If you see HP Sears listed on your credit report as a collections account, it typically means that you have an unpaid debt that has been transferred or sold to them for collection.
Who does HP Sears collect for?
HP Sears serves various industries including commercial/B2B, financial institutions, healthcare, and retail. In the commercial/B2B sectors, they collect overdue payments and unpaid invoices.
For financial institutions, they recover defaulted loans and credit card debts. In healthcare, they work with providers to handle unpaid medical bills. And in retail, they deal with unsettled credit card bills and overdue retail loans.
Is HP Sears legit or a scam?
HP Sears 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 HP Sears 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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HP Sears Contact Information
Address:
Herbert P. Sears Co., Inc.
2000 18th Street
Bakersfield, CA 93301
Phone number: (661) 283-0200 or (888) 766-5981
Should I contact or pay HP Sears?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 HP Sears is to work with a credit repair professional. They help remove millions of negative items every year from companies like HP Sears on behalf of their clients.
Will HP Sears sue me or garnish my wages?
As a collection agency, HP Sears is within their rights to sue for unpaid debts, but whether they do depends on many factors, such as the size of the debt and your state’s laws regarding debt collection. It’s generally less common for small debts to lead to lawsuits, but it is still a possibility.
If HP Sears does decide to sue and wins a judgment against you in court, they may be able to garnish your wages depending on your state’s laws. However, there are legal protections and limitations in place, and not all types of income can be garnished.
HP Sears 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 HP Sears
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 HP Sears 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.
- HP Sears cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- HP Sears 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.
- HP Sears cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove HP Sears From Your Credit Report Today!
Credit Saint offers assistance with disputing HP Sears 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.
