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?
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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Ray Klein, Inc. / Professional Credit Service Contact Information
Addresses:
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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing Ray Klein, Inc. 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.
