Who is Plaza Services?
Plaza Services, LLC is a debt collection agency based in Atlanta, Georgia. Their primary function is to collect outstanding debts on behalf of businesses or individuals who are owed money.
If you have an unpaid bill that has been sent to collections, you may see Plaza Services listed on your credit report as a collections account.
Who does Plaza Services collect for?
Plaza Services operates as a debt buyer, which means they purchase outstanding debts from a variety of sources. These sources can include auto loans, credit card accounts, consumer loans, and commercial loans, among others.
Is Plaza Services legit or a scam?
Plaza Services is indeed a legitimate company and is authorized to collect debts on behalf of their clients. However, as with any debt collector, it’s crucial to verify the validity of the debt they claim you owe before making any payments.
How can I remove Plaza Services from my credit report?
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.
Plaza Services Contact Information
Plaza Services, LLC
110 Hammond Drive, Suite 110
Atlanta, GA 30328
Phone number: (877) 475-1103
Should I contact or pay Plaza Services?
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 Plaza Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Plaza Services on behalf of their clients.
Will Plaza Services sue me or garnish my wages?
Plaza Services, like any other debt collection agency, has the legal right to sue you for an unpaid debt. If they win a judgment against you in court, they may be able to garnish your wages, levy your bank account, or take other steps to collect the debt, depending on the laws in your specific jurisdiction.
However, it’s important to note that not all debts are eligible for these actions, and not all collection agencies will choose to sue. The process of suing can be expensive and time-consuming, so it’s often a last resort for debt collection agencies.
Plaza Services 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 Plaza Services
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 Plaza Services 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.
- Plaza Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Plaza Services 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.
- Plaza Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Plaza Services From Your Credit Report Today!
Lexington Law can assist you in disputing Plaza Services collection 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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