Wilber & Associates, P.C.

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?

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.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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.

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Wilber & Associates

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Wilber & Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Wilber & Associates 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.
• Wilber & Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Wilber & Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Wilber & Associates collection 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.