If you’ve spotted Peroutka, Miller, Klima & Peters on your credit report, you’re likely dealing with a collection account. Collections can hurt your credit score for up to seven years—but there are steps you can take to handle the situation and possibly remove the account.
Who Is Peroutka, Miller, Klima & Peters?
Peroutka, Miller, Klima & Peters, P.A. is a debt collection law firm based in Pasadena, Maryland. They also operate under the names Klima, Peters & Daly, P.A. and The Steve Peroutka Law Group. They collect unpaid debts on behalf of businesses and often report those debts to the credit bureaus.
If their name appears on your credit report, it usually means a debt you owe was sent to them for collection.
Who Does Peroutka, Miller, Klima & Peters Collect For?
Peroutka, Miller, Klima & Peters handles collection accounts for businesses in several industries, including:
- Credit card companies
- Retail businesses
- Healthcare providers
- Other consumer debt portfolios
If you have unpaid bills in any of these categories, the company that owns the debt may have hired them to collect the balance.
Is Peroutka, Miller, Klima & Peters Legitimate?
Yes, Peroutka, Miller, Klima & Peters is a real, legally operating debt collection law firm. They are authorized to collect debts for their clients. However, always verify that any debt they claim you owe is accurate before making a payment.
How to Remove Peroutka, Miller, Klima & Peters From Your Credit Report
A collection account can significantly lower your credit score, so it’s important to address it quickly. Here are the most common ways to get it removed:
- Dispute inaccuracies: If the account details—such as balance, dates, or ownership—are incorrect, you can file a dispute with the credit bureaus. They are required to investigate and correct any inaccurate information.
- Request debt validation: You have the right to ask Peroutka, Miller, Klima & Peters to prove the debt is yours and the amount is correct. If they can’t validate the debt, they must stop collection efforts and remove the account from your credit report.
- Negotiate a pay-for-delete: In some cases, you can offer payment in exchange for having the account removed from your credit report. Always get the agreement in writing before sending money.
- Work with a credit repair company: Credit repair professionals help people challenge negative items like collections and may improve your chances of removal.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Peroutka, Miller, Klima & Peters?
Before contacting or paying any collection agency, confirm the debt is valid and accurately reported. Credit reports often contain errors or outdated information. Making a payment can also restart the statute of limitations, which might give the collector more time to pursue legal action.
If you’re unsure what to do, working with a trusted credit repair company can help protect your credit and handle the process effectively.
Can Peroutka, Miller, Klima & Peters Sue You or Garnish Your Wages?
As a law firm, Peroutka, Miller, Klima & Peters has the legal ability to sue you to recover unpaid debts. If they win the case, they may be able to:
- Garnish your wages
- Withdraw funds from your bank account
- Place a lien on your property (depending on your state laws)
Not every debt results in a lawsuit. Many collection agencies prefer to resolve debts without legal action due to the time and costs involved.
Peroutka, Miller, Klima & Peters Complaints
Many collection agencies have complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Inaccurate information reported to credit bureaus
- Harassment or excessive calls
- Failure to properly validate debts
If you believe your rights are being violated, you can file a complaint with the CFPB or your state attorney general.
Your Rights When Dealing With Peroutka, Miller, Klima & Peters
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with debt collectors like Peroutka, Miller, Klima & Peters.
They are not allowed to:
- Report false or incomplete information about you
- Harass, threaten, or use abusive language
- Call repeatedly or outside of reasonable hours
- Misrepresent who they are or their purpose
- Threaten arrest or jail for unpaid debts
You have the right to:
- Request written debt validation within 30 days of their first contact
- Dispute inaccurate information on your credit report
- Be treated fairly and respectfully
Understanding your rights helps you handle the situation with more confidence.
Peroutka, Miller, Klima & Peters Contact Information
Here’s how to reach them if you choose to communicate:
Klima, Peters & Daly, P.A.
8028 Ritchie Highway, Suite 300
Pasadena, MD 21122-1360
Phone: (800) 899-2424
Keep written records of all communication with debt collectors, and avoid making verbal agreements without written confirmation.
Remove Peroutka, Miller, Klima & Peters From Your Credit Report Today
If dealing with collections feels overwhelming, a credit repair service can help. Credit Saint has over 15 years of experience helping clients challenge inaccurate collections, errors, and other negative marks on their credit reports. They even offer a 90-day money-back guarantee for added peace of mind.
Getting expert help can make the process easier and help you work toward a better credit score.
Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
