Who is Sequoia Financial Services?
Sequoia Financial Services is a debt collection agency based in Agoura Hills, California. Their primary function is to assist businesses in the recovery of debts that have fallen overdue.
If Sequoia Financial Services appears on your credit report, it indicates that you have a debt which has been transferred to them for collection.
Who does Sequoia Financial Services collect for?
Sequoia Financial Services primarily focuses on collecting debts in the healthcare and utilities sectors. This means they act on behalf of various medical service providers and utility companies to collect outstanding bills or invoices.
Is Sequoia Financial Services legit or a scam?
Despite the sometimes intrusive nature of their communication methods, Sequoia Financial Services is a legitimate debt collection agency. They are authorized to collect debts and often use phone calls, text messages, or emails to contact debtors about their outstanding debts.
How can I remove Sequoia Financial Services from my credit report?
Sequoia Financial Services 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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Sequoia Financial Services Contact Information
Sequoia Financial Services
28632 Roadside Dr. Ste 110
Agoura Hills, CA 91301
Phone number: (888) 544-9711 or (818) 409-6000
Should I contact or pay Sequoia Financial Services?
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 Sequoia Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Sequoia Financial Services on behalf of their clients.
Will Sequoia Financial Services sue me or garnish my wages?
Sequoia Financial Services does have the potential to sue you for unpaid debt. If they win the lawsuit, they could obtain a judgment against you which might permit them to garnish your wages. Depending on your state’s laws, they could also possibly seize funds from your bank accounts or place a lien on your property.
However, initiating a lawsuit is often considered a last resort. It is generally more cost-effective and less time-consuming for collection agencies to work out a payment plan or settle the debt outside of court. Most agencies would prefer to reach a repayment agreement before resorting to legal action.
Sequoia Financial Services 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 Sequoia Financial Services
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 Sequoia Financial Services 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.
- Sequoia Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Sequoia Financial Services 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.
- Sequoia Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Sequoia Financial Services From Your Credit Report Today!
Credit Saint can assist you in disputing Sequoia 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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