Who is Waterfall Revenue Group?
Waterfall Revenue Group, Inc., formerly known as A-1 Collection Service, is a debt collection agency based in Hamilton Square, New Jersey. As a part of their services, they pursue the recovery of unpaid debts on behalf of their clients.
If you owe a debt that has been assigned or sold to Waterfall Revenue Group, you may find their name listed on your credit report as a collection account.
Who does Waterfall Revenue Group collect for?
Waterfall Revenue Group primarily focuses on medical debt collection, serving healthcare providers across various specialties. They work with these providers to collect outstanding debts resulting from unpaid medical bills, co-pays, deductibles, or other healthcare-related expenses.
Is Waterfall Revenue Group legit or a scam?
Waterfall Revenue Group is a legitimate company. They are authorized to collect debts on behalf of their clients. However, when dealing with them or any other debt collector, it’s crucial to verify any debts they claim you owe before making a payment.
How can I remove Waterfall Revenue Group 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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Waterfall Revenue Group, Inc. Contact Information
Waterfall Revenue Group, Inc.
2297 NJ-33, Suite 906
Hamilton Square, NJ 08690
Phone number: (800) 777-6201 or (609) 771-9200
Should I contact or pay Waterfall Revenue Group?
It’s best to avoid speaking to a debt collector 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 collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Waterfall Revenue Group is to work with a credit repair professional. They help remove millions of negative items every year from companies like Waterfall Revenue Group on behalf of their clients.
Will Waterfall Revenue Group sue me or garnish my wages?
Waterfall Revenue Group can file a lawsuit against you if you fail to repay a debt. If they win the lawsuit, they could potentially be granted a judgment that allows them to garnish your wages or levy your bank accounts, depending on the specific laws of your state.
However, it’s important to understand that legal proceedings are usually the last resort for most collection agencies. They often prefer to establish a payment plan with you as it is more cost-effective and less time-consuming than a lawsuit.
Waterfall Revenue Group 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 Waterfall Revenue Group
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Waterfall Revenue Group 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.
- Waterfall Revenue Group may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Waterfall Revenue Group 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.
- Waterfall Revenue Group cannot threaten to have you arrested or imprisoned over unpaid debts.
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Credit Saint can assist you in disputing Waterfall Revenue Group 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.
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