OAC Collections


Is OAC Collections hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is OAC Collections?

OAC Collection Specialists, Inc., also known as Oliver Adjustment Company, is a debt collection agency based in Baraboo, Wisconsin. They act on behalf of creditors to collect unpaid debts from consumers.

If you see OAC Collections listed on your credit report as a collections account, it usually means you have an unpaid debt they are trying to collect. This might be a debt you’ve forgotten, didn’t know about, or disputed.

Who does OAC Collections collect for?

OAC Collections mainly specializes in collecting debts for healthcare professionals. They work with doctors, hospitals, clinics, and other health service providers to recover unpaid medical bills.

Is OAC Collections legit or a scam?

OAC Collections is a legitimate debt collection 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 OAC Collection Specialists from my credit report?

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.)

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 work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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.

OAC Collection Specialists / Oliver Adjustment Company Contact Information


OAC Collection Specialists
908 8th Ave
Baraboo, WI 53913

Phone number: (877) 609-2570

Should I contact or pay OAC Collection Specialists?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with OAC Collection Specialists is to work with a credit repair professional. They help remove millions of negative items every year from companies like OAC Collection Specialists on behalf of their clients.

Will OAC Collections sue me or garnish my wages?

OAC Collections does have the right to take legal action against you if you fail to pay your debt. They can file a lawsuit and if they win the case, they can obtain a court order to garnish your wages or possibly levy your bank account.

However, initiating legal proceedings is typically a last resort for collection agencies. Before it gets to this point, you’ll likely receive several notices about the debt and attempts will be made to set up a payment plan with you.

OAC Collection Specialists 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 OAC Collections

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 OAC Collection Specialists 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.
  • OAC Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • OAC Collections 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.
  • OAC Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove OAC Collections From Your Credit Report Today!

Credit Saint can assist you in disputing OAC collections 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (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.