Qualia Collection Services


Is Qualia Collection Services hurting your credit score?

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Who is Qualia Collection Services?

Qualia Collection Services (QCS), also known as Optio Solutions, LLC, is a debt collection agency based in Petaluma, California. They act as an intermediary between creditors and debtors, attempting to recover overdue debts.

If QCS appears on your credit report as a collections account, it usually indicates that an outstanding bill or debt has been transferred to them for collection.

Who does Qualia Collection Services collect for?

Qualia Collection Services primarily collects debts on behalf of entities in the financial sector, including banks, credit card issuers, and other financial services companies. This may include unpaid loans, credit card debts, overdraft fees, or other financial obligations.

Is Qualia Collection Services legit or a scam?

Qualia Collection Services 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 Qualia Collection Services from my credit report?

Qualia Collection Services 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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Qualia Collection Services (QCS) Contact Information


Qualia Collection Services
1444 N McDowell Blvd
Petaluma, CA 94954

Mailing address:

Qualia Collection Services
PO Box 4699
Petaluma, CA 94955

Phone number: (855) 593-5046

Should I contact or pay Qualia Collection 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 Credit reports can contain errors or list debts that are no longer valid.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 Qualia Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Qualia Collection Services on behalf of their clients.

Will Qualia Collection Services sue me or garnish my wages?

Qualia Collection Services does have the legal authority to sue you over unpaid debts. If they decide to pursue a lawsuit and the court rules in their favor, they may be able to garnish your wages, levy your bank account, or take other action, depending on the laws in your specific state.

However, remember that suing a debtor is typically a last resort for most debt collection agencies. The process of filing a lawsuit is often costly, time-consuming, and can be complex. Many agencies would rather negotiate a payment plan or settlement before going down the path of legal action.

Qualia Collection 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 Qualia Collection 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 Qualia Collection Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send Qualia Collection Services a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Qualia Collection Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Qualia Collection 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.
  • Qualia Collection Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Qualia Collection Services From Your Credit Report Today!

Credit Saint can help you dispute Qualia Collection Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

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 or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.