Is Sequium Asset Solutions Hurting Your Credit?

If you’ve seen Sequium Asset Solutions on your credit report, it likely means you have a collection account tied to an unpaid bill. Collection accounts can lower your credit score and stay on your credit report for up to seven years, so it’s important to understand your options.

Who Is Sequium Asset Solutions?

Sequium Asset Solutions, LLC is a debt collection agency based in Marietta, Georgia. They also operate under the name Focus Receivables Management. Their main job is to collect unpaid debts on behalf of other companies.

If Sequium appears on your credit report, it means a creditor has sent your debt to them for collection.

Who Does Sequium Asset Solutions Collect For?

Sequium Asset Solutions collects debts for a range of industries, with a focus on:

• Credit card companies: They may collect unpaid balances, fees, or interest charges from major credit card issuers.
• Telecommunications companies: This includes service providers like AT&T, DirecTV, and Comcast, often for unpaid phone, internet, or cable bills.

Is Sequium Asset Solutions a Legitimate Company?

Yes, Sequium Asset Solutions is a legitimate debt collector. They are authorized to collect debts for other businesses. However, mistakes can happen. Always verify the debt is accurate before agreeing to pay.

How to Remove Sequium Asset Solutions From Your Credit Report

Collections can hurt your credit score for years, but you have options to resolve the account:

• Dispute errors: If the debt is inaccurate, dispute it with the credit bureaus. They must investigate and correct mistakes.
• Request debt validation: Send a written request for proof that the debt is yours and the amount is correct.
• Negotiate a pay-for-delete: Offer payment in exchange for having the account removed from your credit report. Get any agreement in writing.
• Work with a credit repair service: Credit repair professionals can help dispute accounts, challenge inaccuracies, and may improve your credit faster.

Should You Contact or Pay Sequium Asset Solutions?

Be cautious before reaching out or sending payments. Here’s why:

• Verify that the debt is valid and belongs to you.
• Check if the debt is within the statute of limitations. Making a payment can restart the clock on old debts.
• Keep all communication in writing for your records.

If you’re unsure how to handle it, working with a credit repair professional can make the process easier and help protect your credit score.

Can Sequium Asset Solutions Sue You or Garnish Your Wages?

Yes, they can sue you for an unpaid debt. If they win in court, they may be able to:

• Garnish your wages
• Place a levy on your bank account

However, lawsuits are typically a last resort after other collection attempts have failed.

Complaints Against Sequium Asset Solutions

Like many collection agencies, Sequium has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Reporting incorrect information to the credit bureaus
• Harassment or repeated calls
• Failing to validate debts when asked

If you believe your rights have been violated, consider filing a complaint with the CFPB or BBB.

Know Your Rights When Dealing With Sequium Asset Solutions

Debt collectors must follow strict laws under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). You have rights, including:

• Accurate reporting: They cannot report false or incomplete information.
• Debt validation: You can request proof that the debt is yours and that the amount is correct. They have 30 days to respond.
• No harassment: They cannot threaten, harass, use foul language, or call excessively.
• Clear identification: They must tell you they are a debt collector, both verbally and in writing.
• No false threats: They cannot threaten you with arrest or legal action they have no intention of taking.

Sequium Asset Solutions Contact Information

Here’s how to reach them:

Address:
Sequium Asset Solutions, LLC
1130 Northchase Parkway, Suite 150
Marietta, GA 30067

Phone: (877) 362-8766

Need Help Removing Sequium Asset Solutions From Your Credit?

Dealing with collections can feel overwhelming, but you don’t have to handle it alone. Credit Saint has been helping people clean up their credit reports for over 15 years. They even offer a 90-day money-back guarantee for extra peace of mind.

If you’re ready to take control of your credit, visit their website or call (855) 281-1510 for a free consultation.