Valentine & Kebartas


Is Valentine & Kebartas hurting your credit score?

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Who is Valentine & Kebartas?

Valentine & Kebartas, LLC (V&K) is a debt collection agency located in Lawrence, Massachusetts. They work on behalf of creditors to collect outstanding debts.

If Valentine & Kebartas appears on your credit report, it usually indicates an unpaid debt that they are trying to collect.

Who does Valentine & Kebartas collect for?

Valentine & Kebartas offers debt collection services across a broad range of industries. These include bank cards, cable services, commercial entities, education institutions, government agencies, insurance companies, medical facilities, retail companies, telecommunications, and utilities.

Is Valentine & Kebartas legit or a scam?

Valentine & Kebartas, LLC is a legitimate company. They are legally 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 Valentine & Kebartas from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Valentine and Kebartas 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?

Before contacting a third-party collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 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.

Will Valentine & Kebartas sue me or garnish my wages?

As a debt collection agency, Valentine & Kebartas, LLC (V&K) has the legal right to sue you for unpaid debts. If they initiate a lawsuit and a court rules in their favor, they might be granted a judgment that allows them to garnish your wages or levy your bank account, depending on your state’s laws.

However, lawsuits are typically a last resort for debt collectors because of the cost and time involved. Before resorting to a lawsuit, V&K will likely attempt to contact you several times to negotiate repayment of the debt.

Valentine & Kebartas 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 Valentine & Kebartas, 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 Valentine & Kebartas, LLC

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 Valentine & Kebartas 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.
  • Valentine & Kebartas cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Valentine & Kebartas 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.
  • Valentine & Kebartas cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Valentine & Kebartas From Your Credit Report Today!

Credit Saint can help you dispute Valentine & Kebartas collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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