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FAQs
Who do debt collectors collect debts for?
Debt collectors frequently purchase debt from the original creditor, such as credit card or loan companies, often at significantly discounted rates, sometimes as low as 10%. Alternatively, they may act as agents for other companies, tasked with debt collection. They commonly contact debtors via mail or phone, insisting on payment. Regrettably, this leads to a collections entry on your report, adversely affecting your score and diminishing your prospects for loan approvals and other financial dealings.
Will it hurt my credit?
Any adverse mark within the statute of limitations can have a substantial impact on your credit score, and collections accounts are no exception.
How c emove it?
If the details of the agency on your report are incorrect, erroneous, or fraudulent, you may have the chance to have it removed, especially if corrections aren't feasible within a reasonable period. We excel in contesting such accounts for our clients.
Did this come from a collection agency?
Yes, most likely its from a collection agency, appending collection entries to your report. They acquire debt from creditors who have abandoned collection efforts, a procedure commonly referred to as "charge-off."
Are you a debt collection agency?
No. We serve as an independent third-party between you and the debt collection agency to resolve any issues you may be encountering.