Who is Russell Collection Agency?
Russell Collection Agency, Inc. (RCA) is a debt collection agency based in Flint, Michigan. Their primary function is to collect unpaid debts on behalf of original creditors.
If you have an unpaid bill, it may have been transferred or sold to a debt collection agency like RCA. As a result, you might see RCA listed on your credit report as a collection account.
Who does Russell Collection Agency collect for?
Russell Collection Agency collects debts on behalf of original creditors. This can span a variety of sectors and industries, such as medical, utility, financial institutions, and more.
Is Russell Collection Agency legit or a scam?
Russell Collection Agency is a legitimate company. They are authorized to collect debts on behalf of their clients. However, if you’re contacted by RCA about a debt, it’s crucial to verify the debt before making any payments.
How can I remove Russell Collection Agency 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.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they 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.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Russell Collection Agency, Inc. (RCA) Contact Information
Russell Collection Agency
G-3285 Van Slyke Rd
Flint, MI 48507
Phone number: (810) 239-8679 or Toll Free: (800) 748-0076
Should I contact or pay Russell Collection Agency, 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 Russell Collection Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Russell Collection Agency on behalf of their clients.
Will Russell Collection Agency, Inc. sue me or garnish my wages?
Russell Collection Agency, like other debt collection agencies, has the right to sue you for an unpaid debt. If they win a judgment against you in court, they might be able to garnish your wages, levy your bank account, or employ other legal methods to recover the debt, depending on the laws in your specific jurisdiction.
However, not every collection agency will choose to sue, and not all debts are eligible for these actions. The process of going to court can be expensive and time-consuming, so it is often a last resort for debt collectors.
Russell Collection Agency, 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 Russell Collection Agency, 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 Russell Collection Agency 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.
- Russell Collection Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Russell Collection Agency 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.
- Russell Collection Agency cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Russell Collection Agency From Your Credit Report Today!
Lexington Law can assist you in disputing RCA collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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