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?
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.)
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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.
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Vital Recovery Services, LLC Contact Information
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?
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 debt, especially if it’s new, and you’re certain that it’s legit.
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
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 Vital Recovery Services, 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, 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Vital Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Vital Recovery Services 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.
- Vital Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Vital Recovery Services From Your Credit Report Today!
Credit Saint can assist you in disputing Vital Recovery Services 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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