Who is OAC Collections?
OAC Collection Specialists, Inc., also known as Oliver Adjustment Company, is a debt collection agency based in Baraboo, Wisconsin. They act on behalf of creditors to collect unpaid debts from consumers.
If you see OAC Collections listed on your credit report as a collections account, it usually means you have an unpaid debt they are trying to collect. This might be a debt you’ve forgotten, didn’t know about, or disputed.
Who does OAC Collections collect for?
OAC Collections mainly specializes in collecting debts for healthcare professionals. They work with doctors, hospitals, clinics, and other health service providers to recover unpaid medical bills.
Is OAC Collections legit or a scam?
OAC Collections 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 OAC Collection Specialists 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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OAC Collection Specialists / Oliver Adjustment Company Contact Information
Address:
OAC Collection Specialists
908 8th Ave
Baraboo, WI 53913
Phone number: (877) 609-2570
Should I contact or pay OAC Collection Specialists?
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 Credit reports can contain errors or list debts that are no longer valid.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 OAC Collection Specialists is to work with a credit repair professional. They help remove millions of negative items every year from companies like OAC Collection Specialists on behalf of their clients.
Will OAC Collections sue me or garnish my wages?
OAC Collections does have the right to take legal action against you if you fail to pay your debt. They can file a lawsuit and if they win the case, they can obtain a court order to garnish your wages or possibly levy your bank account.
However, initiating legal proceedings is typically a last resort for collection agencies. Before it gets to this point, you’ll likely receive several notices about the debt and attempts will be made to set up a payment plan with you.
OAC Collection Specialists 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 OAC 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 OAC Collection Specialists 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.
- OAC Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- OAC 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.
- OAC Collections cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove OAC Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing OAC 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.
