Vance and Huffman


Is Vance and Huffman hurting your credit score?

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Who is Vance and Huffman, LLC?

Vance and Huffman, LLC is a debt collection agency located in Smithfield, Virginia. Their primary function is to recover unpaid debts on behalf of their clients.

If you have an account listed on your credit report from Vance and Huffman, this could be because you failed to pay a bill and the original creditor has enlisted the agency to recover the funds.

Who does Vance and Huffman collect for?

Vance and Huffman provides debt recovery services for a wide variety of industries. These can range from healthcare providers dealing with unpaid medical bills, to utility companies where customers have failed to pay for services.

Is Vance and Huffman legit or a scam?

Vance and Huffman, LLC is a legitimate company. They are 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 Vance and Huffman 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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Professional credit repair services assist people in getting their credit back on track.

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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Vance and Huffman, LLC Contact Information


Vance & Huffman, LLC
55 Monette Pkwy, Ste 100
Smithfield, VA 23430-2577

Phone number: (855) 206-6697

Should I contact or pay Vance and Huffman, LLC?

Before contacting a 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 Credit reports can contain errors or list debts that are no longer valid.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 Vance and Huffman, LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like Vance and Huffman, LLC on behalf of their clients.

Will Vance and Huffman, LLC sue me or garnish my wages?

Vance and Huffman, LLC has the potential to sue for unpaid debts. If they obtain a judgement against you, they may be able to garnish your wages. However, the initiation of a lawsuit depends on the agency’s assessment of the feasibility and potential benefit of legal action. This usually considers the amount of debt, the debtor’s financial circumstances, and the cost of legal proceedings.

While wage garnishment is a possibility, it isn’t guaranteed to happen in all situations. It typically occurs when there’s a substantial debt that has not been paid, and other methods of debt collection have failed. The collection agency would first have to go to court, win the lawsuit, and obtain a judgment against you, which can be a costly and time-consuming process.

Vance & Huffman, LLC Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 Vance & Huffman, 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 Vance & Huffman, LLC 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.
  • Vance & Huffman cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Vance & Huffman 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.
  • Vance & Huffman cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Vance and Huffman From Your Credit Report Today!

Credit Saint can help you dispute Vance and Huffman 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

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.