Who is Valentine & Kebartas?
Valentine & Kebartas, LLC (V&K) is a debt collection agency located in Lawrence, Massachusetts.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Valentine & Kebartas collect for?
Valentine & Kebartas provides debt collection services to companies in the following industries:
- bank card
Is Valentine & Kebartas legit or a scam?
Valentine & Kebartas, LLC is a legitimate company. However, they may repeatedly spam call, text, or email you.
How can I remove Valentine & Kebartas 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.)
Lexington Law Firm is a credit repair company that helps people fix their credit.
In addition to collections, Lexington Law can work with 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.
Call Lexington Law now to learn more: (800) 220-0084
Valentine and Kebartas, LLC Contact Information
Valentine & Kebartas, LLC
15 Union Street Ste 202
Lawrence, MA 01840
Phone number: (978) 975-0799
Should I contact or pay Valentine & Kebartas, LLC?
Nothing good can come from speaking to a third-party 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 Valentine & Kebartas is to work with a credit repair professional. They help remove millions of negative items every year from companies like Valentine and Kebartas on behalf of their clients.
And they may be able to help you too.
Will Valentine & Kebartas, LLC sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you will never hear from or have to deal with Valentine and Kebartas again.
Call Lexington Law to learn how they can help you.
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Valentine and Kebartas to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is Valentine and Kebartas hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.
Valentine & Kebartas, LLC 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). Lexington Law Firm knows that you have rights, and Valentine and Kebartas does too.
Your Rights When Dealing with Valentine & Kebartas, LLC
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 Valentine & Kebartas to report inaccurate or incomplete information on your credit report.
- 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.
- Valentine & Kebartas may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Valentine & Kebartas 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.
- Valentine & Kebartas cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Valentine & Kebartas From Your Credit Report Today!
Lexington Law Firm can assist you in disputing Valentine & Kebartas collection accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.
If you’re looking for a reputable company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
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