Who is US Collections West?
US 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?
US 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 US Collections West from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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US Collections West, Inc. Contact Information
Address:
US Collections West, Inc.
2320 W Peoria Ave Ste C116
Phoenix, AZ 85029
Mailing address:
US 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?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
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?
US 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
Many collection agencies have numerous complaints filed 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with US Collections West, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- 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. They have 30 days to prove the debt is yours and the amount is accurate.
- US Collections West cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- US Collections West must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- US Collections West cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove US Collections West From Your Credit Report Today!
Credit Saint offers assistance with disputing US Collections West accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
