US Collections West

Who is US Collections West?

U.S. Collections West, Inc. is a debt collection agency located in Phoenix, Arizona. As part of its business operations, it contacts individuals who owe debts that they have not paid.

If you notice them on your credit report as a collections account, this implies that you have an outstanding payment which they’ve been contracted to collect.

Who does US Collections West collect for?

U.S. Collections West works with various companies across a wide range of industries to collect unpaid debts. Their clients may include companies from sectors such as healthcare, retail, financial services, and utilities.

The agency also purchases debt portfolios directly, becoming the creditor and thus having the right to collect the debt. The debt buying practice involves buying debts at a fraction of the original amount owed, then attempting to collect the full amount from the debtor.

Is US Collections West legit or a scam?

US Collections West is a legitimate company. They’ve been in business since 1985, and 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 U.S. Collections West 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.)

Professional credit repair services work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

U.S. Collections West, Inc. Contact Information

Address:

U.S. Collections West, Inc.
2320 W Peoria Ave Ste C116
Phoenix, AZ 85029

Mailing address:

U.S. Collections West, Inc.
P.O. Box 39695
Phoenix, AZ 85069

Phone number: (888) 254-6967 or (602) 995-3494

Should I contact or pay US Collections West?

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 US Collections West is to work with a credit repair professional. They help remove millions of negative items every year from companies like US Collections West on behalf of their clients.

Will US Collections West sue me or garnish my wages?

U.S. Collections West does have the legal right to sue debtors for non-payment of their debts. However, this usually happens after numerous attempts to collect the debt in other ways. If the agency wins the lawsuit and receives a judgment against you, they may be able to garnish your wages or levy your bank account depending on the laws in your state.

US Collections West, 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 you are being harassed by US Collections West, you should also 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 US Collections West, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 US Collections West 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.
• US Collections West may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• US Collections West 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.
• US Collections West cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove U.S. Collections West From Your Credit Report Today!

Credit Saint can assist you in disputing U.S. Collections West 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.