If Impact Receivables Management is showing up on your credit report, it could be lowering your credit score. Here’s what you need to know about this collection agency—and how to deal with them.
Who Is Impact Receivables Management?
Impact Receivables Management is a debt collection agency located in Stafford, Texas. They work on behalf of businesses to collect unpaid debts.
If they appear on your credit report, it likely means an account has been sent to collections. This can damage your credit score and stay on your report for up to seven years if not addressed.
Who Does Impact Receivables Management Collect For?
Impact Receivables Management collects debts for businesses across several industries, including:
- Healthcare
- Utilities
- Retail
- Financial services
If you’ve fallen behind on payments, they may be the agency trying to recover the debt.
Is Impact Receivables Management Legitimate?
Yes, Impact Receivables Management is a real debt collection agency. That said, not every account they report is accurate. Mistakes happen, so always verify the details before paying or acknowledging a debt.
You have the right to request proof that the debt belongs to you and that the amount is correct.
How to Remove Impact Receivables Management From Your Credit Report
Collections can hurt your credit score for years, but there are ways to get them removed:
- Dispute Inaccurate Information: If the account details are incorrect or incomplete, file a dispute with the credit bureaus to have it removed.
- Negotiate a Pay-for-Delete: Some collection agencies agree to remove the account if you settle the debt. Get the agreement in writing before making payment.
- Work With a Credit Repair Company: Credit repair professionals can challenge negative items and help clean up your credit report.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Impact Receivables Management?
Before reaching out, confirm the debt is valid and within your state’s statute of limitations. Paying an old debt can reset the clock, keeping the account on your credit report longer.
Many people work with credit repair experts who can handle companies like Impact Receivables Management and help protect your credit.
Can Impact Receivables Management Sue You or Garnish Your Wages?
They have the legal right to sue for unpaid debts. If they win the lawsuit, they could garnish your wages, levy your bank account, or place a lien on your property, depending on state laws.
That said, lawsuits are expensive and time-consuming. Most debt collectors prefer to settle the debt through a payment plan or reduced settlement before taking legal action.
Complaints About Impact Receivables Management
Like many collection agencies, Impact Receivables Management has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common issues include:
- Inaccurate reporting
- Harassment or repeated calls
- Refusal to verify debts when requested
If your rights are being violated or you’re experiencing harassment, you can file a complaint with these agencies.
Your Rights When Dealing With Impact Receivables Management
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you from unfair collection tactics. These laws help ensure your rights and your credit are protected.
Here’s what those protections include:
- They cannot report false or incomplete information about you
- You have the right to request debt validation within 30 days. They must prove the debt belongs to you and that the amount is accurate
- Harassment, threats, repeated calls, or abusive language are illegal
- They must clearly state who they are and that they are collecting a debt
- They cannot threaten arrest or jail over unpaid debts
Impact Receivables Management Contact Information
- Address: 11104 W Airport Blvd, Suite 199, Stafford, TX 77477
- Phone Number: (866) 942-9516
Remove Impact Receivables Management From Your Credit Report Today
Collections can damage your credit score, but you don’t have to deal with it alone. Credit Saint has helped thousands of people challenge inaccurate negative items on their credit reports. They even offer a 90-day money-back guarantee for added peace of mind.
If you’re ready to take control of your credit, visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
