HP Sears


Is HP Sears hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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?

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 can help you dispute HP Sears accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.