Who is Wilber & Associates?
Wilber & Associates, P.C., also known as The Wilber Group, is a debt collection agency based in Normal, Illinois. They are particularly involved in cases related to automobile accidents.
If you’re at fault in a car accident and did not pay the associated costs, you may find The Wilber Group listed on your credit report as a collections account. This indicates that they are working to retrieve the outstanding debt associated with the incident.
Who does Wilber & Associates collect for?
Wilber & Associates focuses on uninsured collections, which involves recovering debts directly from parties or claimants who were at fault in an accident but did not have insurance coverage at the time. This could include individuals, insurance carriers, and commercial entities.
Is Wilber & Associates legit or a scam?
Despite the many claims of people calling them a scam on review sites, Wilber & Associates is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Wilber & Associates from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Wilber & Associates, P.C. Contact Information
Address:
Wilber & Associates, P.C.
210 Landmark Dr.
Normal, IL 61761
Phone number: (800) 313-5169 or (309) 663-6700
Should I contact or pay Wilber & Associates?
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 Credit reports can contain errors or list debts that are no longer valid.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 Wilber & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Wilber and Associates on behalf of their clients.
Will Wilber & Associates sue me or garnish my wages?
While it is possible for any debt collection agency, including Wilber & Associates, to resort to legal action if initial attempts to collect a debt are unsuccessful, it’s important to remember that this is usually a last resort. Legal proceedings are expensive, time-consuming, and do not guarantee a successful debt recovery.
Before considering a lawsuit, the agency will typically make several attempts to collect the debt using methods like phone calls, letters, or arranging a repayment plan. If these measures prove unsuccessful, and the agency decides to sue, they could potentially garnish your wages or place a lien on your property if they win the lawsuit, subject to your state’s laws.
Wilber & Associates Complaints
Many collection agencies have numerous complaints filed 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 you are being harassed by Wilber & Associates, you should also 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 Wilber & Associates
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Wilber & Associates 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.
- Wilber & Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Wilber & Associates 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.
- Wilber & Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Wilber & Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing Wilber & Associates collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
