Who is Bonneville Collections?
Bonneville Collections, also known as Bonneville Billing and Collections, Inc. (BBC), is a debt collection agency with its main office in Ogden, Utah. They also operate out of offices in Boise and Idaho Falls, Idaho, as well as Vancouver, Washington.
You may see Bonneville Collections listed on your credit report as a collection account. This likely means you have a debt that you haven’t paid, and the creditor has transferred or sold that debt to this agency.
Who does Bonneville Collections collect for?
Bonneville Collections provides third-party collection services to a broad range of industries. These include the banking sector, commercial businesses, financial services institutions, government entities, healthcare providers, and utility companies.
Is Bonneville Collections legit or a scam?
Bonneville Collections 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 Bonneville Collections 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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Bonneville Collections Contact Information
Addresses:
Bonneville Collections
6026 S Fashion Point Dr.
Ogden, UT 84403
Bonneville Collections
8752 W. Overland Rd Ste 103
Boise, ID 83709
Bonneville Collections
1465 N. Skyline Dr.
Idaho Falls, ID 83402
Mailing address:
Bonneville Collections
P.O. Box 150621
Ogden, UT 84415
Phone number: (801) 621-7880
Should I contact or pay Bonneville Collections?
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 Credit reports can contain errors or list debts that are no longer valid.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 Bonneville Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Bonneville Collections on behalf of their clients.
Will Bonneville Collections sue me or garnish my wages?
Bonneville Collections is entitled to sue you for the non-payment of a debt. If they choose to sue and the court rules in their favor, they may be able to garnish your wages or even levy your bank account. However, these actions are subject to the laws of your specific state.
Lawsuits are typically a last resort for collection agencies. They would rather try to work out a payment plan or settle the debt with you directly.
Bonneville Collections 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 Bonneville Collections
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 Bonneville Collections 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.
- Bonneville Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Bonneville Collections 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.
- Bonneville Collections cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Bonneville Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing and removing Bonneville Collections 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.
