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?
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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Plaza Services Contact Information
Address:
Plaza Services, LLC
110 Hammond Drive, Suite 110
Atlanta, GA 30328
Phone number: (877) 475-1103
Should I contact or pay Plaza Services?
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 Credit reports can contain errors or list debts that are no longer valid.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 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
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 Plaza Services
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 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Plaza Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Plaza Services 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.
- Plaza Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Plaza Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Plaza Services 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.
