Ray Klein, Inc.


Is Ray Klein, Inc. hurting your credit score?

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Who is Ray Klein, Inc.?

Ray Klein, Inc., operating under the name Professional Credit Service, is a prominent debt collection agency based in Bend, Oregon. Serving as intermediaries between original creditors and debtors, their primary function is to recover outstanding debts that have gone unpaid.

If you see Ray Klein, Inc. or Professional Credit Service on your credit report as a collections account, this indicates that you have an outstanding debt that has been forwarded to this third-party debt collector.

Who does Ray Klein, Inc. collect for?

Ray Klein, Inc. provides debt collection services for commercial, financial services, government, and healthcare companies primarily in the Pacific Northwest.

Is Ray Klein, Inc. legit or a scam?

Ray Klein, 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 Ray Klein, Inc. from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might 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.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

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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Ray Klein, Inc. / Professional Credit Service Contact Information


Ray Klein, Inc.
435 NE 4th St.
Bend, OR 97701

Ray Klein, Inc.
12204 SE Mill Plain Blvd., Ste 101
Vancouver, WA 98684

Phone number: (866) 581-9566

Should I contact or pay Ray Klein, Inc.?

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 Credit reports can contain errors or list debts that are no longer valid.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 Ray Klein, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Ray Klein, Inc. on behalf of their clients.

Will Ray Klein, Inc. sue me or garnish my wages?

As a debt collection agency, Ray Klein, Inc. could potentially sue for unpaid debts, although this is often considered a last resort after other debt collection efforts have been exhausted. If a lawsuit does occur and they secure a court judgment against you, it may be possible for them to garnish your wages depending on the specific laws in your state.

However, many debt collectors, including Ray Klein, Inc., prefer to establish a payment plan before considering legal action.

Ray Klein, Inc. 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 Ray Klein, Inc.

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 Ray Klein, 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Ray Klein, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Ray Klein, Inc. 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.
  • Ray Klein, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Ray Klein, Inc. From Your Credit Report Today!

Credit Saint can help you dispute Ray Klein, Inc. 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.