Who is Online Collections GRVL?
Online Collections GRVL, officially known as ONLINE Information Services, Inc., is a debt collection agency that is headquartered in Winterville, North Carolina. They manage debts that have been assigned to them by creditors or that they’ve purchased from original creditors.
If you’ve missed or defaulted on payments, you may find Online Collections GRVL appearing on your credit report as a collections account.
Who does Online Collections GRVL collect for?
Online Collections GRVL provides debt collection services for a variety of industries. This includes healthcare providers, property management companies, utility service providers, among others. Their role is to recover the money owed to these businesses by individuals who have become delinquent in their payments.
Is Online Collections GRVL legit or a scam?
Online Collections GRVL is a legitimate debt collection company. However, as part of their collection process, they may employ persistent communication strategies, such as frequent phone calls, texts, or emails.
How can I remove Online Collections GRVL 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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Online Collections GRVL Contact Information
Address:
Online Collections GRVL
685 W Fire Tower Rd
Winterville, NC 28590
Mailing address:
Online Collections GRVL
PO Box 1489
Winterville, NC 28590
Phone number: (800) 917-7817
Should I contact or pay Online Collections GRVL?
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 Credit reports can contain errors or list debts that are no longer valid.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 Online Collections GRVL is to work with a credit repair professional. They help remove millions of negative items every year from companies like Online Collections GRVL on behalf of their clients.
Will Online Collections GRVL sue me or garnish my wages?
Online Collections GRVL, like other debt collection agencies, has the right to sue for an unpaid debt. If they win the case and get a judgment against you, they might be able to garnish your wages or levy your bank account, depending on your state’s laws.
However, these actions are typically a last resort for most debt collectors. They would often prefer to establish a payment plan or reach a settlement, as these options are generally more cost-effective than taking legal action.
Online Collections GRVL 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 Online Collections GRVL
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 Online Collections GRVL 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.
- Online Collections GRVL cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Online Collections GRVL 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.
- Online Collections GRVL cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Online Collections GRVL From Your Credit Report Today!
Credit Saint offers assistance with disputing Online Collections GRVL 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.
