Who is Equinox Collection Services?
Equinox Collection Services, also known as NorthStar Technologies, is a debt collection agency that is headquartered in Tulsa, Oklahoma.
If you have unpaid debts, they might have been transferred or sold to this debt collection agency. As a result, you may see Equinox Collection Services listed on your credit report as a collections account, which signifies an unpaid debt.
Who does Equinox Collection Services collect for?
Equinox Collection Services provides debt recovery services to a range of industries and clients. These include financial institutions, medical providers, retail businesses, property management companies, and various service businesses.
These entities may outsource their debt collection to agencies like Equinox Collection Services when they’re unable to collect the unpaid debts themselves.
Is Equinox Collection Services legit or a scam?
Equinox Collection Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, if you are contacted by them regarding a debt, it’s essential to verify the legitimacy of the debt before proceeding with any payment.
How can I remove Equinox 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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Equinox Collection Services, Inc. Contact Information
Address:
Equinox Collection Services, Inc.
10159 E 11th St Ste 500
Tulsa, OK 74128
Mailing address:
Equinox Collection Services, Inc.
PO Box 3280
Broken Arrow, OK 74013
Phone number: (866) 337.9736
Should I contact or pay Equinox 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 Credit reports can contain errors or list debts that are no longer valid.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 Equinox Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Equinox on behalf of their clients.
Will Equinox Collection Services, Inc. sue me or garnish my wages?
Equinox Collection Services, like other debt collection agencies, is entitled to sue you for unpaid debts. If they obtain a court judgment against you, they may be able to garnish your wages or use other legal methods to recover the debt, depending on your state’s laws.
However, remember that not all debt collectors or agencies will choose to sue as it can be a costly and time-consuming process. This action is often a last resort when other attempts to collect the debt have been unsuccessful.
Equinox Collection Services, 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 Equinox Collection Services, 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 Equinox Collection Services, 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.
- Equinox Collection Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Equinox 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.
- Equinox Collection Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Equinox Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Equinox Collection Services 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.
