Who is A-1 Collection Agency?
A-1 Collection Agency, also known as A1 Collections, is a debt collection agency based in Grand Junction, Colorado. As a debt collector, their role is to recover outstanding debts on behalf of businesses.
If a debt associated with your name has been transferred to them, you may see A1 Collections listed on your credit report.
Who does A1 Collections collect for?
A1 Collections primarily specializes in collecting medical debt and overdue fees. Medical debt could arise from a variety of sources, such as unpaid hospital bills, physician fees, or costs associated with medical procedures and treatments. Overdue fees could refer to late payment penalties from various service providers.
Is A1 Collections legit or a scam?
A1 Collections 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 A1 Collections 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 credit report, you can 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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A-1 Collection Agency Contact Information
Address:
A-1 Collection Agency
715 Horizon Dr. Ste 401
Grand Junction, CO 81506
Phone number: (970) 241-2075
Should I contact or pay A1 Collections?
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 Credit reports can contain errors or list debts that are no longer valid.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 A1 Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like A1 Collections on behalf of their clients.
Will A1 Collections sue me or garnish my wages?
A1 Collections has the legal right to recover the money owed to them, which may involve taking legal action including lawsuits. If they win the lawsuit, and obtain a judgment against you, they might be able to garnish your wages or levy your bank account, depending on your state’s laws.
However, it’s essential to remember that these are often last-resort measures. Before reaching that stage, most debt collectors will attempt to recover the debt through calls, letters, and payment arrangements.
A1 Collections 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 A1 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 A1 Collections 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.
- A-1 Collection Agency cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- A-1 Collection Agency 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.
- A-1 Collection Agency cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove A1 Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing A1 collections. 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.
