Who is Ray Klein, Inc.?
Ray Klein, Inc., dba Professional Credit Service, is a debt collection agency located in Bend, Oregon.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
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. However, they may repeatedly spam call, text, or email you.
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.
(Debt collectors may prefer that we don’t mention this, but you have the right to know.)
Lexington Law is a professional credit repair company that works with people who want to fix their credit.
In addition to collections, Lexington Law can work with 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.
Call Lexington Law now to learn more: (800) 220-0084
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 delete millions of negative items every year from companies like Ray Klein, Inc. on behalf of their clients.
And they may be able to help you too.
Will Ray Klein, Inc. sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also possible that you never hear from or have to deal with Ray Klein, Inc. again.
Call Lexington Law to learn how they can help you.
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Ray Klein, Inc. to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is Ray Klein, Inc. hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Third-party debt collectors often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.
If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.
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). Lexington Law knows that you have rights, and Ray Klein, Inc. does too.
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 on your credit report.
- 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.
Avoid the phone. Never talk to a debt collector on the phone. The less they know about you, the better.
Politely tell Ray Klein, Inc. it’s your policy to deal with everything in writing. Ask for a letter with details about the original debt, then hang up. If they keep calling, send them a cease & desist letter.
Record their phone calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.
In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you intend to record, and they keep talking, consider it permission. They will usually hang up.
Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, bank account and credit card information should be kept private.
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make Ray Klein, Inc. go away. Ignoring them sets you up for a possible lawsuit.
Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but it’s typically around 4-6 years.
A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.
Remove Ray Klein, Inc. From Your Credit Report Today!
Lexington Law Firm can assist you in disputing Ray Klein, Inc. collection accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.
If you’re looking for a reputable company to assist you with collection accounts and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
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