Who is Quick Collect?
Quick Collect, Inc. (QCI) is a debt collection agency based in Portland, Oregon, though their registered address is in Vancouver, Washington under The Law Offices of Ken Mitchell-Phillips.
As a third-party debt collector, their primary role is to recover overdue payments on behalf of creditors. If you find QCI listed on your credit report as a collections account, it usually signifies that there is an unpaid debt attributed to you, which has been transferred to them for collection.
Who does Quick Collect, Inc. collect for?
Quick Collect, Inc. specializes in providing debt recovery solutions for the healthcare industry. This means they primarily work with hospitals, clinics, doctors, and other healthcare providers to recover overdue payments. The debts could include unpaid medical bills, hospital fees, insurance copayments, or any other healthcare-related financial obligations.
Is Quick Collect legit or a scam?
Quick Collect, 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 Quick Collect 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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In addition to collections, they can help 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.
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Quick Collect, Inc. Contact Information
Quick Collect, Inc.
5500 NE 107th Ave
Vancouver, WA 98662
Quick Collect, Inc.
PO Box 55457
Portland, OR 97238
Phone number: (503) 252-0083 or (360) 256-7888
Should I contact or pay Quick Collect?
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 Quick Collect is to work with a credit repair professional. They help remove millions of negative items every year from companies like Quick Collect on behalf of their clients.
Will Quick Collect sue me or garnish my wages?
Quick Collect, Inc. does have the legal authority to sue you over unpaid debts. If they decide to file 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.
Quick Collect 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 you find yourself facing any of these situations with a collection agency, you may also 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 Quick Collect
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 Quick Collect 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.
- Quick Collect may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Quick Collect 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.
- Quick Collect cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Quick Collect From Your Credit Report Today!
Credit Saint can assist you in disputing Quick Collect collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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