Who is Pacific Collection Group?
Pacific Collection Group (PCG) is a debt collection agency based in San Bernardino, California. The company works to recover outstanding debts on behalf of creditors.
If you see PCG listed on your credit report as a collections account, it generally means that you have an unpaid debt that has been transferred to them for collection.
Who does Pacific Collection Group collect for?
Pacific Collection Group collects for a variety of original creditors. They operate as a debt buyer, meaning they purchase past due debts from creditors and then work to collect these debts from consumers. These original creditors could come from different sectors, including healthcare, utilities, financial institutions, and more.
Is Pacific Collection Group legit or a scam?
Pacific Collection Group is a legitimate company. However, PCG may employ persistent methods of contact, including frequent phone calls, texts, or emails, to collect the debt.
How can I remove Pacific Collection Group 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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Pacific Collection Group Contact Information
Address:
Pacific Collection Group
473 E Carnegie Dr. Ste 200
San Bernardino, CA 92408
Phone number: (888) 874-6979
Should I contact or pay Pacific Collection Group?
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 Credit reports can contain errors or list debts that are no longer valid.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 Pacific Collection Group is to work with a credit repair professional. They help remove millions of negative items every year from companies like Pacific Collection Group on behalf of their clients.
Will Pacific Collection Group sue me or garnish my wages?
Pacific Collection Group does have the ability to file a lawsuit against a debtor for unpaid debts. If they choose to do so and are successful in their lawsuit, they may be granted a judgment by the court. This judgment could potentially allow them to garnish your wages or levy your bank account to repay the debt.
Wage garnishment is a legal procedure in which a portion of a person’s earnings is withheld by the employer for the payment of a debt. The specifics of wage garnishment, including the maximum amount that can be garnished, depend on federal and state laws and the type of debt in question.
However, lawsuits and wage garnishment are generally considered a last resort in debt collection due to their cost and complexity. Many debt collectors prefer to negotiate a settlement or establish a payment plan with the debtor before resorting to such measures.
Pacific Collection Group 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 Pacific Collection Group
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 Pacific Collection Group 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.
- Pacific Collection Group cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Pacific Collection Group 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.
- Pacific Collection Group cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Pacific Collection Group From Your Credit Report Today!
Credit Saint offers assistance with disputing Pacific Collection Group 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.
