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