Seeing Wilber & Associates, P.C. on your credit report can be frustrating, especially if you weren’t expecting it. Here’s what you need to know about them, how they operate, and how to get them removed from your credit report.
Who Is Wilber & Associates?
Wilber & Associates, also known as The Wilber Group, is a debt collection agency based in Normal, Illinois. They primarily focus on collecting debts related to car accidents, especially when the person at fault didn’t have insurance coverage.
If they’re listed on your credit report, it likely means there are unpaid costs from an accident that they’re trying to collect.
Who Does Wilber & Associates Collect For?
Wilber & Associates specializes in uninsured collections. That means they work to recover money from people or businesses who were involved in accidents without proper insurance. Their clients often include:
- Insurance companies
- Private individuals
- Commercial businesses
Is Wilber & Associates Legitimate?
Yes, Wilber & Associates is a legitimate debt collection agency. Some people may call them a scam due to frustration with collections, but they are legally authorized to collect debts. That said, always verify any debt they claim you owe before making payments or providing personal information.
How to Remove Wilber & Associates From Your Credit Report
Collections can damage your credit score for up to seven years, but you may have options to get them removed sooner:
- Dispute inaccurate information: If the debt isn’t yours, is reported incorrectly, or is too old, file a dispute with the credit bureaus.
- Request debt validation: You can demand proof that the debt is legitimate and belongs to you. They have 30 days to respond.
- Negotiate a pay-for-delete: Some agencies will agree to remove the account in exchange for payment, but get the agreement in writing.
- Use a credit repair company: Professionals can help challenge collections and improve your credit.
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 Wilber & Associates?
Before paying anything, confirm that the debt is valid and accurately reported. In some cases, paying can reset the clock on how long it affects your credit, so be cautious. If the debt is legitimate and within the legal timeframe, negotiating a settlement or pay-for-delete might be an option.
Many people choose to work with credit repair experts to handle the process and avoid potential mistakes.
Can Wilber & Associates Sue You or Garnish Your Wages?
It’s possible, but legal action is typically a last resort. Debt collectors usually try other methods first, like:
- Phone calls
- Letters
- Negotiating repayment plans
If those attempts fail and they decide to sue, they could seek wage garnishment or a lien on your property—but only if they win the case, and state laws allow it.
Complaints About Wilber & Associates
Like many debt collectors, Wilber & Associates has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information on credit reports
- Harassment or repeated calls
- Failing to properly validate debts
If you feel they’ve violated your rights, consider filing a complaint with the CFPB or BBB.
Your Rights When Dealing With Wilber & Associates
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from unfair or abusive collection tactics. Here’s what those protections include:
- Accurate reporting: They cannot report false or incomplete information about you.
- Debt validation: You can request written proof of the debt. They have 30 days to respond.
- No harassment: They cannot call excessively, swear, threaten you, or publish your information.
- Honest communication: They must clearly state they are a debt collector and explain the reason for contacting you.
- No legal threats: They cannot threaten jail or arrest over unpaid debts.
Knowing your rights helps you take control of the situation.
Wilber & Associates Contact Information
Address:
Wilber & Associates, P.C.
210 Landmark Dr.
Normal, IL 61761
Phone:
(800) 313-5169 or (309) 663-6700
Remove Wilber & Associates From Your Credit Report Today
If dealing with collections feels stressful, Credit Saint can help. They’ve assisted thousands of clients with removing inaccurate collections, including those from Wilber & Associates. They even offer a 90-day money-back guarantee for peace of mind.
Ready to clean up your credit? Visit their website or call (855) 281-1510 to get started.
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.
