Who is Vital Recovery Services, LLC?
Vital Recovery Services, LLC (also known as Vital Solutions, Inc.) is a third-party collection agency based in Peachtree Corners, Georgia. The company assists creditors by collecting unpaid debts from consumers.
If Vital Recovery Services appears on your credit report, it signifies that you have an unpaid debt they’re trying to collect. This typically happens when a creditor hasn’t received payment for a bill and sells the debt to a collection agency.
Who does Vital Recovery Services collect for?
Vital Recovery Services provides its debt collection services across a broad range of industries. This includes automobile finance, both prime and subprime, where they manage debts arising from car loans.
In the credit card sector, they work on behalf of bankcard, retail, and consumer loan providers to collect outstanding debts. They also serve government municipalities, typically collecting on unpaid taxes or municipal service fees.
Real estate lenders use Vital Recovery Services for debts related to mortgages or other property-associated loans. Finally, in the utilities sector, they work on behalf of gas and electric companies, often collecting on unpaid bills.
Is Vital Recovery Services legit or a scam?
Vital Recovery Services is a legitimate debt collection company. Despite this, they may employ assertive communication methods such as repeated calls, texts, or emails in an attempt to collect the debt.
How can I remove Vital Recovery Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Vital Recovery Services, LLC Contact Information
Address:
Vital Recovery Services
4775 Peachtree Industrial Blvd Suite 310
Berkeley Lake, GA 30092-3015
Phone number: (678) 578-1020
Should I contact or pay Vital Recovery Services?
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 Credit reports can contain errors or list debts that are no longer valid.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 Vital Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Vital Recovery Services, LLC on behalf of their clients.
Will Vital Recovery Services sue me or garnish my wages?
Vital Recovery Services, LLC is entitled to sue you to recover unpaid debt. If they are successful in court and obtain a judgment against you, they may be able to garnish your wages or levy your bank account, depending on the laws of your state. However, remember that going to court is typically a last resort for collection agencies, as it requires significant time and resources.
Vital Recovery Services, 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 Vital Recovery Services, LLC
Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collectors don’t take advantage of you. In particular:
- It is a violation of federal law for Vital Recovery Services 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.
- Vital Recovery Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Vital Recovery Services 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.
- Vital Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Vital Recovery Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Vital Recovery Services accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
