Who is PlusFour, Inc.?
PlusFour, Inc. is a debt collection agency based out of Las Vegas, Nevada. They are contracted by creditors to collect debts on their behalf.
If you see PlusFour, Inc. on your credit report, it usually indicates that they are trying to recover a debt you owe. This could have occurred due to a past-due bill or unfulfilled financial obligation.
Who does PlusFour, Inc. collect for?
PlusFour, Inc. provides debt collection services to various industries. They recover debts for medical and dental practices, larger medical facilities, and professional service providers such as legal and consulting firms. The agency also assists property managers and small businesses with unpaid bills, and seeks to recoup costs for utility companies covering water, gas, electricity, and telecommunications services.
Is PlusFour, Inc. legit or a scam?
PlusFour, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove PlusFour, Inc. 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.)
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PlusFour, Inc. Contact Information
6345 S Pecos Rd Ste 212
Las Vegas, NV 89120
PO Box 95846
Las Vegas, NV 89193
Phone number: (877) 494-1569
Should I contact or pay PlusFour, Inc.?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with PlusFour, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like PlusFour, Inc. on behalf of their clients.
Will PlusFour, Inc. sue me or garnish my wages?
While PlusFour, Inc. is entitled to sue a debtor for nonpayment of debt, it’s not a certainty that they will. If they take the matter to court and win a judgement, they could potentially garnish your wages or take other actions to recover the debt. However, many debt collectors would rather set up a payment plan than go through the cost and effort of a lawsuit.
PlusFour, Inc. 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 PlusFour, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 PlusFour, Inc. 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.
- PlusFour, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- PlusFour, Inc. 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.
- PlusFour, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
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