Who is Choice Recovery?
Choice Recovery, Inc. (CRI), also known as First Federal Credit Control, is a debt collection agency located in Columbus, Ohio. They manage and collect unpaid debts on behalf of original creditors.
If you find Choice Recovery listed on your credit report, it likely signifies an unpaid debt that has been turned over to them for collection.
Who does Choice Recovery collect for?
Choice Recovery provides its collection services to a variety of sectors. This includes government entities, healthcare providers, higher education institutions, and industrial clients.
They collect on an array of debts – from unpaid tuition or student loans, overdue medical bills, to unpaid fees or fines from government services and delinquent accounts within the industrial sector.
Is Choice Recovery legit or a scam?
Choice Recovery 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 Choice Recovery from my credit report?
Choice Recovery 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.
(Though debt collectors may not want this widely known, it’s your right to be informed.)
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Choice Recovery, Inc. Contact Information
Addresses:
Choice Recovery, Inc.
1105 Schrock Road, Suite 700
Columbus, OH 43229
Choice Recovery, Inc.
1550 Old Henderson Road, Suite 100
Columbus, OH 43220
Phone number: (614) 358-9900 or (800) 559-9277
Should I contact or pay Choice Recovery?
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 Credit reports can contain errors or list debts that are no longer valid.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 Choice Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Choice Recovery on behalf of their clients.
Will Choice Recovery sue me or garnish my wages?
Choice Recovery has the legal right to sue you for the unpaid debt. If they successfully obtain a judgment against you, they may then have the ability to garnish your wages, or take other actions depending on your state’s laws.
However, it’s crucial to remember that these actions are usually a last resort. The process of filing a lawsuit can be expensive and time-consuming, so most debt collectors would rather negotiate a repayment plan before resorting to legal action.
Choice Recovery, Inc. 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 Choice Recovery, Inc.
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 Choice Recovery 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.
- Choice Recovery cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Choice Recovery 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.
- Choice Recovery cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Choice Recovery From Your Credit Report Today!
Credit Saint can help you dispute Choice Recovery accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.
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