Vital Recovery Services

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 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.

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 can help you dispute Vital Recovery Services 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.