Vance and Huffman

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 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.)

Professional credit repair services work with people who want to get their credit back on track.

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.

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

Vance and Huffman, LLC Contact Information

Address:

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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 Vance & Huffman, LLC

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Vance & Huffman may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Vance & Huffman 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.
• Vance & Huffman cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Vance and Huffman From Your Credit Report Today!

Credit Saint can assist you in disputing Vance and Huffman 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.