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?
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.)
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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.
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Online Collections GRVL Contact Information
Online Collections GRVL
685 W Fire Tower Rd
Winterville, NC 28590
Online Collections GRVL
PO Box 1489
Winterville, NC 28590
Phone number: (800) 917-7817
Should I contact or pay Online Collections GRVL?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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
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 Online Collections GRVL
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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Online Collections GRVL may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Online Collections GRVL 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.
- Online Collections GRVL cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Online Collections GRVL From Your Credit Report Today!
Credit Saint can assist you in disputing Online Collections GRVL 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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