Who is One Advantage, LLC?
One Advantage, LLC, is a debt collection agency based in Belleville, Illinois, with additional locations in La Porte, Indiana and Miami, Florida. The agency’s main role is to recover unpaid bills on behalf of their clients.
If One Advantage appears on your credit report as a collections account, this signifies that the agency has assumed the responsibility of collecting a debt you have not paid.
Who does One Advantage collect for?
One Advantage focuses specifically on providing debt collection services to healthcare payers and providers. This includes entities such as health insurance companies, hospitals, clinics, and other medical service providers.
Is One Advantage legit or a scam?
One Advantage 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 One Advantage 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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One Advantage, LLC Contact Information
Addresses:
One Advantage
7650 Magna Drive
Belleville, IL 62223
One Advantage
1230 W State Rd 2
La Porte, IN 46350
One Advantage
7715 NW 48th Street Suite 100
Doral, FL 33166
Phone number: (800) 229-6564, (618) 222-9865, (800) 332-1962, or (219) 324-6835
Should I contact or pay One Advantage, LLC?
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 Credit reports can contain errors or list debts that are no longer valid.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 One Advantage, LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like One Advantage on behalf of their clients.
Will One Advantage, LLC sue me or garnish my wages?
One Advantage, LLC does possess the legal right to sue for unpaid debts. If a lawsuit is pursued and One Advantage wins the case, they may be awarded a judgment against you which can, subject to state laws, potentially lead to wage garnishment or bank account levies.
However, lawsuits are generally viewed as a last resort by most debt collection agencies due to the time, cost, and resources they require. More often, they will seek to establish a payment plan or negotiate a debt settlement agreement with you.
One Advantage, LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with One Advantage, LLC
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 One Advantage, LLC 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.
- One Advantage, LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- One Advantage 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.
- One Advantage cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove One Advantage From Your Credit Report Today!
Credit Saint offers assistance with disputing One Advantage 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.
