Velo Law Office

Is Velo Law Office 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 Velo Law Office?

Velo Law Office is a debt collection law firm based in Grand Rapids, Michigan. If you notice their name on your credit report, it usually indicates that a debt you were obligated to pay has been passed to this agency for recovery.

This transfer generally occurs when a bill or other financial obligation remains unsettled, leading the original creditor to involve a third-party agency in the debt collection process.

Who does Velo Law Office collect for?

ACS Recovery Services specializes in the recovery of past-due debts on behalf of original creditors that typically encompasses a broad spectrum of businesses, including but not limited to banks, credit card companies, retail companies, utility providers, and healthcare providers.

They act on behalf of these creditors to retrieve unpaid amounts, working on either a commission basis or purchasing the debt outright.

Is Velo Law Office legit or a scam?

Velo Law Office is a legitimate company. However, as part of their recovery process, they may frequently contact you via calls, texts, or emails, which can sometimes be perceived as intrusive or spam-like.

How can I remove Velo Law Office 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 is a professional credit repair law firm that works with people who want to 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.

Velo Law Office Contact Information


Velo Law Office
1750 Leonard St. NE
Grand Rapids, MI 49505

Phone number: (855) 736-6371 or (616) 333-0707

Should I contact or pay Velo Law Office?

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 Velo Law Office is to work with a credit repair professional. They help remove millions of negative items every year from companies like Velo Law Office on behalf of their clients.

Will Velo Law Office sue me or garnish my wages?

Velo Law Office, as a debt collection law firm, does have the legal capability to initiate a lawsuit for unpaid debts. This path is often viewed as a last resort due to the significant time, expenses, and resources involved. If Velo Law Office opts to sue and wins a judgment against you, they could potentially garnish your wages, but this is contingent on the laws in your specific state.

Velo Law Office 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 Velo Law Office

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 Velo Law Office 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.
  • Velo Law Office may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Velo Law Office 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.
  • Velo Law Office cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Velo Law Office From Your Credit Report Today!

Lexington Law can assist you in disputing Velo Law Office 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.