Who is Synergetic Communication?
Synergetic Communication, Inc., also known as SynCom, is a debt collection agency with locations in Houston, Texas, Hopkins, Minnesota, and Hayden, Idaho. Their primary function is to collect unpaid debts for various businesses.
If you notice Synergetic Communication or SynCom on your credit report as a collections account, it’s an indication that you have an unpaid debt that they are attempting to collect.
Who does Synergetic Communication collect for?
Synergetic Communication operates as an accounts receivable management company with a focus on large balance portfolios primarily in the auto finance and mortgage sectors. However, their services extend to other industries as well, including banking, consumer finance, commercial sectors, credit card companies, telecommunications, and utility providers.
Is Synergetic Communication legit or a scam?
Synergetic Communication 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 Synergetic Communication 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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Synergetic Communication, Inc. Contact Information
Addresses:
Synergetic Communication, Inc.
5450 Northwest Central Suite 220
Houston, TX 77092
Synergetic Communication, Inc.
750 2nd St. NE Ste 104
Hopkins, MN 55343
Synergetic Communication, Inc.
8596 Wayne Dr. Suite A5
Hayden, ID 83835
Phone number: (800) 580-8615
Should I contact or pay Synergetic Communication, 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 Credit reports can contain errors or list debts that are no longer valid.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 Synergetic Communication is to work with a credit repair professional. They help remove millions of negative items every year from companies like Synergetic Communications on behalf of their clients.
Will Synergetic Communication sue me or garnish my wages?
Synergetic Communication, Inc. has the legal right to sue for unpaid debts. If they win a lawsuit and obtain a judgment against you, they might have the legal right to garnish your wages or levy your bank account, depending on the specific laws in your state or jurisdiction.
However, it’s important to note that lawsuits are often seen as a last resort due to their associated costs and time commitments. Instead, SynCom is more likely to first attempt to negotiate a payment plan or a settlement.
Synergetic Communication, 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 Synergetic Communication, 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 Synergetic Communications 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.
- Synergetic Communication, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Synergetic Communication, 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.
- Synergetic Communication, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Synergetic Communication From Your Credit Report Today!
Credit Saint offers assistance with disputing Synergetic Communication 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.
