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?
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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Valentine and Kebartas Contact Information
Address:
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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing Valentine & Kebartas collection 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.
