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?
Pacific Collection Group 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.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Pacific Collection Group Contact Information
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?
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 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
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 Pacific Collection Group
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Pacific Collection Group may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Pacific Collection Group 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.
- Pacific Collection Group cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Pacific Collection Group From Your Credit Report Today!
Lexington Law can assist you in disputing Pacific Collection Group accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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