Who is Jonathan Neil & Associates?
Jonathan Neil & Associates is a debt collection agency based in Tarzana, California. They specialize in the recovery of debts on behalf of their clients.
If you owe a debt that hasn’t been paid, the original creditor may assign or sell this debt to Jonathan Neil & Associates for collection. As a result, this agency may appear on your credit report as a collection account.
Who does Jonathan Neil & Associates collect for?
Jonathan Neil & Associates provides debt collection services to a wide array of industries. They recover debts for insurance companies, which can stem from unpaid premiums or deductibles. For construction companies, they may manage unpaid invoices for services or supplies.
In the banking sector, they handle various types of debts like overdue loans or credit card debts. They also work with staffing companies, apparel companies, and the automotive industry to collect unpaid dues.
Is Jonathan Neil & Associates legit or a scam?
Jonathan Neil & Associates is a legitimate company. They operate lawfully to collect debts on behalf of their clients. However, when dealing with them or any other debt collector, it’s crucial to verify any claimed debts before making payments.
How can I remove Jonathan Neil & Associates 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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Jonathan Neil & Associates Contact Information
Address:
Jonathan Neil & Associates, Inc.
18321 Ventura Boulevard, Suite 1000
Tarzana, CA 91356
Phone number: (800) 331-6333
Should I contact or pay Jonathan Neil & Associates?
Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 Jonathan Neil & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Jonathan Neil & Associates on behalf of their clients.
Will Jonathan Neil & Associates sue me or garnish my wages?
Jonathan Neil & Associates does have the legal authority to file a lawsuit against you for an unpaid debt. If the court rules in their favor, they may be granted a judgment that allows them to garnish your wages. They may also be able to levy your bank accounts, or take other actions to recover the debt, subject to the specific laws in your state.
However, it’s important to note that legal action is usually a last resort for most collection agencies. They generally prefer to work out a payment plan with you, as court proceedings can be costly and time-consuming.
Jonathan Neil & Associates 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 Jonathan Neil & Associates
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 Jonathan Neil & Associates 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.
- Jonathan Neil & Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Jonathan Neil & Associates 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.
- Jonathan Neil & Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Jonathan Neil & Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing Jonathan Neil & Associates collection 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.
