Who is Valentine & Kebartas, LLC?
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 is a legitimate company. They were most likely assigned your debt (or bought your debt) from one of the companies they work with. However, just because they are legit, doesn’t mean you actually owe them anything. Keep reading to learn more.
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.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law Firm is a credit repair company that helps people fix their credit.
In addition to collections, Lexington Law can also help you remove other inaccurate information such as inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, liens, and bankruptcies from your credit report.
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. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The best way to handle this is to work with a credit repair professional. They delete millions of negative items every year from companies like Valentine and Kebartas for millions of clients nationwide.
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 will help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. 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 avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Some states allow wage garnishment, while others do not. It is important to note that 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?
The missed payments that led to the collection harm your credit score. A collection account on your credit report further reduces your ability to qualify for new credit.
Debt collectors often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.
When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm 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
There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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 and Kebartas may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Valentine and Kebartas must be honest about who they are and what they are attempting to do. They must notify you that they are a collection agency both orally and in writing.
- Valentine and Kebartas cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.
Remove Valentine & Kebartas From Your Credit Report Today!
Lexington Law Firm specializes in disputing Valentine & Kebartas collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law.
You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
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