Who is Optimum Outcomes?
Optimum Outcomes, Inc. is a debt collection agency based in Raleigh, North Carolina. They pursue unpaid debts on behalf of businesses that lack the time or resources to do this themselves.
If you see Optimum Outcomes listed on your credit report as a collections account, it’s usually because you have an unpaid debt that they’re trying to collect. This could be a debt you’re unaware of, one you’ve forgotten about, or one that you’ve disputed.
Who does Optimum Outcomes collect for?
Optimum Outcomes specializes in providing medical debt collection services for healthcare providers. This includes hospitals, clinics, and other healthcare facilities.
Is Optimum Outcomes legit or a scam?
Optimum Outcomes 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 Optimum Outcomes 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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Optimum Outcomes, Inc. Contact Information
Address:
Optimum Outcomes, Inc.
421 Fayetteville St. Ste 600
Raleigh, NC 27601
Mailing address:
Optimum Outcomes, Inc.
PO Box 58015
Raleigh, NC 27658
Phone number: (877) 795-9819
Should I contact or pay Optimum Outcomes?
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 Credit reports can contain errors or list debts that are no longer valid.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 Optimum Outcomes is to work with a credit repair professional. They help remove millions of negative items every year from companies like Optimum Outcomes, Inc. on behalf of their clients.
Will Optimum Outcomes sue me or garnish my wages?
Optimum Outcomes has the legal right to file a lawsuit against you if you fail to repay a debt. If they win the lawsuit, they can obtain a court judgment, which may allow them to garnish your wages or take other measures to recover the debt, depending on the laws in your state.
However, lawsuits and wage garnishments are typically last-resort measures. Before resorting to these steps, Optimum Outcomes will likely make several attempts to contact you about the debt and possibly arrange a repayment plan.
Optimum Outcomes, Inc. 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, harassment, or failure to verify a debt. If Optimum Outcomes 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 Optimum Outcomes, Inc.
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 Optimum Outcomes, Inc. 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.
- Optimum Outcomes cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Optimum Outcomes 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.
- Optimum Outcomes cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Optimum Outcomes From Your Credit Report Today!
Credit Saint offers assistance with disputing Optimum Outcomes 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. They even offer a 90-day money-back guarantee if they don’t deliver.
Visit their website or call (855) 281-1510 for more details.
