Who is Summit Account Resolution?
Summit Account Resolution, also known as Summit AR, is a debt collection agency based in Champlin, Minnesota. They work in recovering past due debts on behalf of various businesses.
If you see Summit Account Resolution listed on your credit report as a collections account, it usually indicates that a previous bill or debt was left unpaid and has been handed over to this agency for collection.
Who does Summit Account Resolution collect for?
Summit Account Resolution specializes in recovering past due debts on behalf of original creditors. They could include businesses from the healthcare sector, credit card companies, utilities providers, retail businesses, and more.
Is Summit Account Resolution legit or a scam?
Summit Account Resolution 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 Summit Account Resolution 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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Summit Account Resolution Contact Information
Summit Account Resolution
12201 Champlin Dr.
Champlin, MN 55316
Phone number: (888) 212-2021
Should I contact or pay Summit Account Resolution?
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 Summit Account Resolution is to work with a credit repair professional. They help remove millions of negative items every year from companies like Summit Account Resolution on behalf of their clients.
Will Summit Account Resolution sue me or garnish my wages?
Summit Account Resolution has the ability to sue for unpaid debts. If they pursue this course and win a judgment against you, they could potentially garnish your wages or take other measures to collect the debt, subject to local and state laws.
However, it’s important to note that taking legal action is often seen as a last resort for most collection agencies due to the time-consuming and costly nature of lawsuits. Before taking such steps, they may attempt to negotiate a payment plan or a debt settlement agreement with you.
Summit Account Resolution 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 Summit Account Resolution
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Summit Account Resolution 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.
- Summit Account Resolution may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Summit Account Resolution 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.
- Summit Account Resolution cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Summit Account Resolution From Your Credit Report Today!
Credit Saint can assist you in disputing Summit Account Resolution 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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