Who is Pivot Rock Solutions?
Pivot Rock Solutions, LLC is a debt collection agency based in Denver, Colorado. If you see their name on your credit report, it’s likely because they’ve been tasked with the recovery of an unpaid debt you owe.
Who does Pivot Rock Solutions collect for?
Pivot Rock Solutions offers its services to a wide range of clients in diverse industries. Their main goal is to recover unpaid debts on behalf of the original creditors, ensuring that these clients can recover as much of the owed money as possible.
Is Pivot Rock Solutions legit or a scam?
Pivot Rock Solutions is a legitimate company. However, their contact practices may be seen as intrusive or excessive, given that they may frequently reach out via phone calls, text messages, or emails.
How can I remove Pivot Rock Solutions 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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Pivot Rock Solutions, LLC Contact Information
Address:
Pivot Rock Solutions, LLC
3605 S Tamarac Dr.
Denver, CO 80237-1411
Phone number: (855) 789-7988
Should I contact or pay Pivot Rock Solutions?
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 Credit reports can contain errors or list debts that are no longer valid.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 Pivot Rock Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Pivot Rock Solutions, LLC on behalf of their clients.
Will Pivot Rock Solutions sue me or garnish my wages?
Pivot Rock Solutions does have the ability to sue you for the unpaid debt. If they decide to do so and are successful, they could potentially obtain a court order to garnish your wages or levy your bank account to recover the debt.
However, it’s essential to note that wage garnishment or bank levies are typically last resorts and involve numerous steps. The regulations regarding wage garnishment can significantly vary by state and by the type of debt.
Pivot Rock Solutions, LLC 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 Pivot Rock Solutions, LLC
Pivot Rock Solutions must abide by state and federal laws in the United States. 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 Pivot Rock Solutions 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.
- Pivot Rock Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Pivot Rock Solutions 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.
- Pivot Rock Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Pivot Rock Solutions From Your Credit Report Today!
Credit Saint offers assistance with disputing Pivot Rock Solutions 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.
Visit their website or call (855) 281-1510 for more details.
