Who is Valley Empire Collection?
Valley Empire Collection (VEC) is a debt collection agency based in Spokane Valley, Washington. Their main function is to recover unpaid debts on behalf of original creditors.
If you have an unpaid bill, your debt may be transferred or sold to a company like Valley Empire Collection, which could lead to them appearing on your credit report as a collections account.
Who does Valley Empire Collection collect for?
Valley Empire Collection works on behalf of a wide range of creditors to collect outstanding debts. Their client base includes entities in the banking sector, government agencies, legal entities with judgments, medical and dental offices, entities with open contracts, and utility companies.
Is Valley Empire Collection legit or a scam?
Valley Empire Collection is a legitimate company. They are authorized to collect debts on behalf of their clients. However, if you’re contacted by them about a debt, it’s important to verify the debt before making any payments.
How can I remove Valley Empire Collection 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.)
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In addition to collections, they can help 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.
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Valley Empire Collection Contact Information
Valley Empire Collection
8817 E Mission Ave Suite 101
Spokane Valley, WA 99212
Phone number: (800) 669-8139
Should I contact or pay Valley Empire Collection?
It’s best to avoid speaking to a 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 Valley Empire Collection is to work with a credit repair professional. They help remove millions of negative items every year from companies like Valley Empire Collection on behalf of their clients.
Will Valley Empire Collection sue me or garnish my wages?
Valley Empire Collection, like any debt collection agency, has the legal right to sue you for unpaid debts. If they win a judgment against you in court, depending on the laws in your specific jurisdiction, they might be able to garnish your wages, levy your bank account, or employ other legal methods to recover the debt.
However, not all debts are eligible for these actions, and not all collection agencies will choose to sue. The process of going to court can be expensive and time-consuming, so it is often a last resort.
Valley Empire Collection 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). 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 Valley Empire Collection
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Valley Empire Collection 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.
- Valley Empire Collection may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Valley Empire Collection 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.
- Valley Empire Collection cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Valley Empire Collection From Your Credit Report Today!
Credit Saint can assist you in disputing Valley Empire Collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
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