Who is Kings Credit Services?
Kings Credit Services (KCS), also known as Medical Billing and Accounts Receivable Management, is a debt collection agency based in Hanford, California. They are engaged in the business of recovering unpaid debts on behalf of their clients, which are typically original creditors.
If you see Kings Credit Services listed on your credit report, it usually means they have been assigned a debt in your name that hasn’t been settled. This is a common occurrence when a bill remains unpaid for a certain period.
Who does Kings Credit Services collect for?
Kings Credit Services operates primarily in the capacity of a debt collector for original creditors. This means they work with a diverse range of businesses that have issued credit or provided services to customers who have not fulfilled their payment obligations.
While their name suggests a focus on medical billing, they may work with creditors across various industries, collecting on past due debts that these businesses have not been able to recover themselves.
Is Kings Credit Services legit or a scam?
Kings Credit Services is a legitimate company. However, as part of their debt recovery efforts, they may frequently reach out via phone calls, text messages, or emails.
How can I remove Kings Credit Services 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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Kings Credit Services Contact Information
Address:
Kings Credit Services
510 N. Douty St.
Hanford, CA 93230
Phone number: (800) 366-0950
Should I contact or pay Kings Credit Services?
Before contacting a third-party 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 Credit reports can contain errors or list debts that are no longer valid.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 Kings Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Kings Credit Services on behalf of their clients.
Will Kings Credit Services sue me or garnish my wages?
Kings Credit Services is entitled to initiate legal proceedings against a debtor if they are unable to recover the debt through standard collection efforts. If a lawsuit is filed and a court judgment is issued in their favor, they could potentially garnish your wages or take other collection actions as permitted by local and state laws.
However, legal action is generally a last resort for debt collectors. Prior to any lawsuit, you would typically receive numerous attempts to settle the debt, and have opportunities to dispute it if you believe it to be incorrect. If a lawsuit does occur, the debt collector would be required to prove in court that the debt is valid and that you are the rightful debtor.
Kings Credit Services 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 Kings Credit Services
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 Kings Credit Services 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.
- Kings Credit Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Kings Credit Services 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.
- Kings Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Kings Credit Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Kings Credit Services 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.