Who is PlusFour, Inc.?
PlusFour, Inc. is a debt collection agency based out of Las Vegas, Nevada. They are contracted by creditors to collect debts on their behalf.
If you see PlusFour, Inc. on your credit report, it usually indicates that they are trying to recover a debt you owe. This could have occurred due to a past-due bill or unfulfilled financial obligation.
Who does PlusFour, Inc. collect for?
PlusFour, Inc. provides debt collection services to various industries. They recover debts for medical and dental practices, larger medical facilities, and professional service providers such as legal and consulting firms. The agency also assists property managers and small businesses with unpaid bills, and seeks to recoup costs for utility companies covering water, gas, electricity, and telecommunications services.
Is PlusFour, Inc. legit or a scam?
PlusFour, Inc. 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 PlusFour, Inc. 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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PlusFour, Inc. Contact Information
Address:
PlusFour, Inc.
6345 S Pecos Rd Ste 212
Las Vegas, NV 89120
Mailing address:
PlusFour, Inc.
PO Box 95846
Las Vegas, NV 89193
Phone number: (877) 494-1569
Should I contact or pay PlusFour, 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 Credit reports can contain errors or list debts that are no longer valid.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 PlusFour, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like PlusFour, Inc. on behalf of their clients.
Will PlusFour, Inc. sue me or garnish my wages?
While PlusFour, Inc. is entitled to sue a debtor for nonpayment of debt, it’s not a certainty that they will. If they take the matter to court and win a judgement, they could potentially garnish your wages or take other actions to recover the debt. However, many debt collectors would rather set up a payment plan than go through the cost and effort of a lawsuit.
PlusFour, 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 PlusFour, 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 PlusFour, 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.
- PlusFour, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- PlusFour, Inc. 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.
- PlusFour, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove PlusFour, Inc. From Your Credit Report Today!
Credit Saint offers assistance with disputing PlusFour, Inc. 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.
