Who is Accurate Collection Services?
Accurate Collection Services, LLC is a debt collection agency based in Morristown, New Jersey. They work on behalf of creditors to collect unpaid debts.
If you see Accurate Collection Services listed on your credit report, it typically means that you have an outstanding debt that was transferred to them for collection.
Who does Accurate Collection Services collect for?
Accurate Collection Services works with a variety of original creditors to collect past-due debts. These creditors could potentially be from different sectors, such as healthcare providers, utility companies, credit card companies, or other lending institutions.
Is Accurate Collection Services legit or a scam?
Accurate Collection Services, LLC is a legitimate company. They are authorized to collect debts on behalf of their clients. However, as with many debt collection agencies, they might engage in persistent communication efforts, such as phone calls, text messages, or emails, which some people may find intrusive or perceive as spam.
How can I remove Accurate Collection Services 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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Accurate Collection Services Contact Information
Address:
Accurate Collection Services
17 Prospect St.
Morristown, NJ 07960
Phone number: (866) 468-3371 or (973) 630-3050
Should I contact or pay Accurate Collection Services?
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 Credit reports can contain errors or list debts that are no longer valid.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 Accurate Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Accurate Collection Services on behalf of their clients.
Will Accurate Collection Services sue me or garnish my wages?
Accurate Collection Services, like other debt collectors, can sue for unpaid debts. If they win the lawsuit, they secure a court judgment. This judgment could allow them to garnish your wages, depending on your state laws. Other methods they may use to collect debt include levying your bank account or placing a lien on your property.
Not all debt collectors will sue for each debt. The decision to sue is influenced by many factors. These include the size of the debt, litigation costs, and chances of successful collection.
Accurate Collection Services Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 Accurate Collection Services
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 Accurate Collection Services 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.
- Accurate Collection Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Accurate Collection Services 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.
- Accurate Collection Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Accurate Collection Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Accurate Collection Services 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.
