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 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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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.?
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 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
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 Ray Klein, Inc.
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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Ray Klein, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Ray Klein, 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.
- Ray Klein, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Ray Klein, Inc. From Your Credit Report Today!
Credit Saint can assist you in disputing Ray Klein, Inc. 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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