Valentine & Kebartas

Is Valentine & Kebartas hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 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.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law Firm is a credit repair company that helps people fix their credit.

In addition to collections, they 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.

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

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?

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.

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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

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 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.
  • 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. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.