Who is Second Look, Inc.?
Second Look, Inc. is a debt collection agency located in Hauppauge, New York. The agency’s primary role is to act on behalf of creditors to recover outstanding debts.
If you see Second Look, Inc. listed on your credit report as a collections account, it typically means there’s an unpaid bill associated with your name.
Who does Second Look, Inc. collect for?
Second Look, Inc. collects debt for the following types of companies: auto, property, worker’s compensation (liens and credits), UM/UIM, disability, excess/surplus, healthcare, reverse subrogation, and subrogation purchasing.
Is Second Look, Inc. legit or a scam?
Second Look, Inc. is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 Second Look 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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Second Look, Inc. Contact Information
Second Look, Inc.
360 Motor Parkway Suite 500
Hauppauge, NY 11788
Phone number: (877) 482-0004
Should I contact or pay Second Look, Inc.?
It’s best to avoid speaking to a debt collector 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 Second Look, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Second Look, Inc. on behalf of their clients.
Will Second Look, Inc. sue me or garnish my wages?
As a debt collection agency, Second Look, Inc. could potentially initiate legal action, including lawsuits, if they’ve been unable to recover a debt through traditional collection practices.
If they do decide to sue and the court rules in their favor, they may be awarded a judgment that can allow them to garnish your wages or levy your bank account, depending on the specific laws of your state. However, legal action is typically a last resort due to the resources it requires. Most debt collectors prefer to establish a payment plan, if possible.
Second Look, 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 Second Look, 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 Second Look, 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.
- Second Look, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Second Look, 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.
- Second Look, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Second Look, Inc. From Your Credit Report Today!
Credit Saint can assist you in disputing Second Look, 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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