Who is Collectech Diversified?
Collectech Diversified, Inc. (CDI) is a debt collection agency based in Lubbock, Texas. They work on behalf of creditors to recover unpaid debts.
If Collectech Diversified appears on your credit report, it typically indicates an unpaid debt that has been transferred to them for collection.
Who does Collectech Diversified collect for?
Collectech Diversified provides debt collection services to a variety of sectors but specifically focuses on medical, governmental, and large institutional collections within the regions of Texas, New Mexico, and Oklahoma.
If you have an outstanding debt in these regions, particularly related to healthcare, governmental fees or fines, or institutional dues, Collectech Diversified may be tasked with the responsibility of recovering that debt.
Is Collectech Diversified legit or a scam?
Collectech Diversified is a legitimate debt collection 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 Collectech Diversified 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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Collectech Diversified, Inc. Contact Information
Address:
Collectech Diversified, Inc.
1721 45th St.
Lubbock, TX 79412
Phone number: (806)747-1122
Should I contact or pay Collectech Diversified, Inc.?
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 Credit reports can contain errors or list debts that are no longer valid.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 Collectech Diversified is to work with a credit repair professional. They help remove millions of negative items every year from companies like Collectech Diversified on behalf of their clients.
Will Collectech Diversified, Inc. sue me or garnish my wages?
Collectech Diversified, Inc. does have the legal right to sue for an unpaid debt. If they go to court and successfully obtain a judgment against you, they may then have the ability to garnish your wages, or levy your bank accounts, subject to the laws of your state.
However, it’s important to remember that these actions typically represent a last resort for debt collectors. The legal process can be expensive and time-consuming, and most collectors would prefer to work out a repayment plan before escalating to this level.
Collectech Diversified, 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 Collectech Diversified, 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 Collectech Diversified, Inc. 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.
- Collectech Diversified cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Collectech Diversified 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.
- Collectech Diversified cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Collectech Diversified, Inc. From Your Credit Report Today!
Credit Saint offers assistance with disputing Collectech Diversified 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.
