Velo Law Office

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 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.)

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.

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

Velo Law Office Contact Information

Address:

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?

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 Credit reports can contain errors or list debts that are no longer valid.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 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

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 Velo Law Office

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 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. They have 30 days to prove the debt is yours and the amount is accurate.
• Velo Law Office cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Velo Law Office 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.
• Velo Law Office cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Velo Law Office From Your Credit Report Today!

Credit Saint can help you dispute Velo Law Office 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.