Who is Stevens Business Service, Inc.?
Stevens Business Service, Inc. is a debt collection agency located in Lowell, Massachusetts. Their job involves recovering unpaid debts from individuals who have failed to meet their payment obligations.
If you find Stevens Business Service, Inc. listed on your credit report, it’s likely that they’ve been assigned or have purchased your debt from the original creditor. This is a common practice when the original creditor has not been able to collect the debt themselves.
Who does Stevens Business Service collect for?
Stevens Business Service, Inc. offers debt recovery services across several sectors. They collect for commercial clients, which may involve business-related debts like unpaid loans or invoices.
They also serve government entities by managing the recovery of various dues such as taxes or fines. In the healthcare field, they help collect unpaid medical bills. For utilities, they recover overdue bills related to services like electricity, water, and gas.
Is Stevens Business Service legit or a scam?
Stevens Business Service is a legitimate company. They are authorized to collect debts 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 Stevens Business Service 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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Stevens Business Service, Inc. Contact Information
Stevens Business Service
175 Cabot Street Suite 415
Lowell, MA 01852
Phone number: (800) 769-0375
Should I contact or pay Stevens Business Service?
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 Stevens Business Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Stevens Business Service on behalf of their clients.
Will Stevens Business Service sue me or garnish my wages?
Debt collection agencies like Stevens Business Service, Inc. have the legal right to sue for unpaid debts. However, whether they will do so largely depends on the individual circumstances, including the size of the debt and their assessment of your ability to pay. If a judgment is made against you in court, they could potentially garnish your wages, but only after securing a court order.
Stevens Business Service, 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 Stevens Business Service, 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 Stevens Business Service 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.
- Stevens Business Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Stevens Business Service 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.
- Stevens Business Service cannot threaten to have you arrested or imprisoned over unpaid debts.
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Credit Saint can assist you in disputing Stevens Business Service 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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