Who is Debski & Associates, P.A.?
Debski & Associates, P.A., also known as Rubin & Debski, P.A., is a debt collection agency and law firm based in Jacksonville, Florida.
If you see them listed on your credit report, it generally indicates that they are trying to collect on a debt you owe, typically from an unpaid bill or loan.
Who does Debski & Associates collect for?
Debski & Associates, P.A. primarily represents the business and banking communities in Florida and Georgia. They collect debts on behalf of various companies and financial institutions in these states.
Is Debski & Associates legit or a scam?
Debski & Associates is a legitimate law firm. They are authorized to collect debts on behalf of their clients. However, if you’re contacted by them about a debt, it’s important to verify the debt’s validity before agreeing to any payments.
How can I remove Debski & Associates 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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Debski & Associates, P.A. Contact Information
Address:
Debski & Associates, P.A.
4417 Beach Blvd Ste 400
Jacksonville, FL 32207
Phone number: (800) 733-0717
Should I contact or pay Debski & Associates, P.A.?
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 Credit reports can contain errors or list debts that are no longer valid.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 Debski & Associates, P.A. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Debski & Associates, P.A. on behalf of their clients.
Will Debski & Associates, P.A. sue me or garnish my wages?
Debski & Associates, P.A. has the legal ability to file a lawsuit against you for an unpaid debt. If the court rules in their favor and they obtain a judgment against you, they might be able to garnish your wages, levy your bank account, or place a lien on your property, depending on the laws of your state.
However, a lawsuit is typically a last resort for most collection agencies. The process can be costly and time-consuming, so they usually prefer to establish a repayment plan with you first. It’s also important to note that just because they can sue doesn’t mean they will.
Debski & Associates, P.A. 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by a debt collector.
Your Rights When Dealing with Debski & Associates, P.A.
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 Debski & Associates, P.A. 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.
- Debski & Associates, P.A. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Debski & Associates, P.A. 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.
- Debski & Associates, P.A. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Debski & Associates, P.A. From Your Credit Report Today!
Credit Saint offers assistance with disputing Debski & Associates, P.A. 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.
