If Waterfall Revenue Group has shown up on your credit report, it could be linked to an old medical bill. Here’s what it means—and how to deal with it.
Who Is Waterfall Revenue Group?
Waterfall Revenue Group, Inc., formerly known as A-1 Collection Service, is a debt collection company based in Hamilton Square, New Jersey. Their primary job is collecting unpaid debts for their clients.
If a healthcare provider sent an outstanding bill to collections, Waterfall Revenue Group might be listed as a collection account on your credit report, which can negatively affect your credit score.
Who Does Waterfall Revenue Group Collect For?
Waterfall Revenue Group mainly focuses on healthcare-related debts. They collect money owed to:
- Hospitals and medical offices
- Specialty healthcare providers
- Billing companies handling medical expenses
If you have unpaid co-pays, deductibles, or medical bills, this collection agency may contact you.
Is Waterfall Revenue Group Legitimate?
Yes, Waterfall Revenue Group is a legitimate, licensed debt collector. They have the legal authority to collect debts on behalf of their clients. But always verify the debt before paying. Mistakes happen, and sometimes incorrect information gets reported to the credit bureaus.
How to Remove Waterfall Revenue Group From Your Credit Report
A collections account can damage your credit for up to seven years, but you may be able to remove it sooner. Here are your options:
- Dispute inaccurate information: Review your credit report for errors. If the collection account details are wrong, file a dispute with the credit bureaus.
- Negotiate a pay-for-delete: Some collectors agree to remove the account from your report in exchange for payment. Always get the agreement in writing.
- Work with a credit repair service: Professionals can help challenge questionable collections and improve your credit history.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Waterfall Revenue Group?
Before sending payment, make sure the debt is valid, belongs to you, and is within the statute of limitations. In some cases, paying an old debt can restart the collection timeline, giving the agency more time to pursue you.
Credit repair companies help people handle situations like this and can guide you through the process without making costly mistakes.
Can Waterfall Revenue Group Sue You?
Yes, they have the legal right to sue for unpaid debts. If they take you to court and win, they may be able to garnish your wages or levy your bank account, depending on state laws.
That said, lawsuits are often the last option. Many collectors would rather work out a payment plan or settlement than go through a lengthy legal process.
Waterfall Revenue Group Complaints
Like many debt collectors, Waterfall Revenue Group has received complaints through the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Some of the most common complaints involve:
- Incorrect reporting to credit bureaus
- Harassment or aggressive collection tactics
- Failing to properly validate debts
If you believe your rights are being violated, you can report the collector to the CFPB or BBB.
Your Rights When Dealing With Waterfall Revenue Group
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from unfair treatment by debt collectors. These laws require:
- They cannot report false or incomplete information.
- You have the right to request written proof the debt belongs to you. They must respond within 30 days.
- Harassment, threats, or excessive phone calls are illegal.
- They must clearly disclose they are a debt collector during communication.
- Threatening arrest or jail over unpaid debts is not allowed.
Waterfall Revenue Group Contact Information
Address:
Waterfall Revenue Group, Inc.
2297 NJ-33, Suite 906
Hamilton Square, NJ 08690
Phone: (800) 777-6201 or (609) 771-9200
How to Remove Waterfall Revenue Group From Your Credit for Good
Dealing with collections can feel overwhelming, but you don’t have to figure it out alone. Credit Saint has helped thousands of people dispute collection accounts—including those from Waterfall Revenue Group.
They even offer a 90-day money-back guarantee, so you can get started with confidence.
Visit their website or call (855) 281-1510 to take the first step toward better credit.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
