FMA Alliance Ltd.

Have you been contacted by a collection agency known as FMA Alliance Ltd., or simply FMA Alliance?

FMA Alliance is a legitimate collection agency representing a number of different entities.

Of particular concern is that they often represent government agencies.

That means they may be collecting past-due taxes, fines, government fees, court-ordered debts, and even tolls.

Our recommendation when dealing with FMA Alliance Ltd.—or any other collection agency—is to be as proactive as possible.

In this guide, we’ll be showing you specific strategies for dealing with FMA Alliance.

What Is FMA Alliance?

FMA Alliance Ltd. began operations in 1983, and is based in Houston, Texas.

The company started by handling collection accounts for local doctors’ offices. They have expanded to represent clients in the healthcare, finance, and retail fields.

But they also handle collections for student loans and governments. The latter includes debts for federal, state, and municipal governments and their agencies.

That includes collecting for utility bills, business taxes, court-ordered debt, parking, and moving violations, emergency medical fees, permit and licensing fees, and even bridge, tunnel, and highway tolls.

The company seems to be a small operation, collecting debts in only a limited number of states.

However, there’s no indication if they simply represent original creditors, or purchase the debt outright and become the first lien holder.

Is FMA Alliance Legit?

FMA Alliance Ltd. is a legitimate business that has a Better Business Bureau rating of “A+”, which is the highest rating provided on a scale of A+ to F.

The company has been accredited by the BBB since 2013.

There have been just nine complaints filed against FMA Alliance Ltd. in the past three years.

And this is too small a sample size to give any clear pattern of potential issues with the company.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

Before You Deal with FMA Alliance Ltd.

Below, we will get into the strategies for dealing with FMA Alliance Ltd.

But first, there are some basic rules you’ll need to be aware of when dealing with all collection agencies.

1. Don’t deal with collection agencies by phone

The first instinct for dealing with a collection agency is often to reach out with a phone call. This may be seen as the best way to resolve a collection account quickly.

That may be true. But conducting regular phone calls with any collection agency can easily do more harm than good.

Collection agents are trained and experienced in dealing with debtors.

They know how and when to apply pressure. And this may cause you to become confused and off-balance.

Collection agencies routinely press debtors for more information that more easily connects them with a specific debt. They will also pressure you to make payments you may not be in a position to afford.

None of that can possibly go in your favor. But what makes matters worse is that collection agencies typically record phone calls.

That means any representations you make on the call can be held as evidence against you. They would use this if the company decides to pursue a lawsuit.

Phone contact may be—or seem to be— convenient with a collection agency. But you need to put a stop to it as soon as possible.

2. All contact with a collection agency should be in writing

Under federal law, you have a right to insist all contact with a collection agency be conducted in writing. And that’s exactly what you should do.

During your first phone call with the company, assert your right to demand all contact be handled in writing.

That will put an end to the phone calls, which may be coming in rapid-fire succession.

It’s almost impossible to process multiple phone calls about a past-due debt, let alone deal with it intelligently.

By requiring the collection agency to contact you in writing, you’ll put an end to the phone calls—and the intimidation they often bring.

But there are even more advantages to conducting communication with a collection agency in writing.

Written correspondence limits an exchange. The collection agency will be forced to make its point.

But they’ll have to do it without using any type of intimidating language that may be a violation of federal law.

Meanwhile, you’ll be able to keep your own communications short and to the point.

Any letters you send to a collection agency should be sent by certified mail, return receipt requested.

That will not only prove you sent the letters, but also that they were received.

Save all correspondence—yours and any from the collection agency—in a dedicated file folder.

This will give you the ability to access the latest exchanges. So you’ll always know exactly where you’re at in any negotiation process.

Equally important, your file full of correspondence may be your best defense if the collection agency chooses to bring a lawsuit against you.

3. Never promise to make a payment unless you’re willing and able to make it

Debtors are sometimes intimidated into promising to send at least partial payment to the collection agency to get past an uncomfortable moment.

But that payment may never be sent if the funds to do so are not available.

Unfortunately, making a promise to send payment and failing to do it is not a harmless event.

The collection agency can claim breach of contract and use it as evidence against you in a lawsuit.

Never promise or even hint at sending payment to a collection agency unless you have the funds available, and fully intend to send them.

4. Familiarize yourself with your rights under federal law

The Fair Debt Collection Practices Act (FDCPA) provides consumers with certain protections from collection agency abuses.

You can learn these protections by reading the Debt Collection FAQs provided by the Federal Trade Commission (FTC).

Just knowing your rights under federal law may give you the upper hand when a collection agency starts getting ugly.

Get Legal Help in Dealing with FMA Alliance Ltd.

If you’re sensing that dealing with collection agencies doesn’t always go as planned, you’re thinking right.

Most consumers, unfamiliar with how the collections process works, fail to achieve their desired result.

There’s no shame in that, it’s just that you’re operating on an uneven playing field.

If the debt you owe is large, or if FMA Alliance isn’t being cooperative—and especially if they threaten you with a lawsuit—you’ll need to get legal representation from a credit repair specialist.

We recommend Lexington Law, which is one of the top credit law firms in the country.

They’re likely to have more success with FMA Alliance than you will on your own.

Ask Lex Law for Help

Specific Strategies for Dealing with FMA Alliance Ltd.

With the basics for dealing with collection agencies under your belt, let’s move on to the specific strategies for dealing with FMA Alliance Ltd.

But as we move forward, be aware that the strategy you choose—and how effective it might be—will depend largely on the type of debt FMA Alliance Ltd. is attempting to collect.

The process may be more complicated with a government debt than with a retail debt.

1. Demand FMA Alliance Ltd. Provide a Debt Validation Letter

In theory, at least, all collection agencies are required to provide consumers with proper validation of the debt they are attempting to collect.

FMA Alliance Ltd. may or may not provide this validation voluntarily. But if they don’t, you’ll need to specifically request it. And remind them they are obligated to do so under federal law.

You’ll do this by demanding FMA Alliance Ltd. provide you with a debt validation letter.

The letter should spell out the specifics of the debt. This would include the original date of the obligation, the amount due, when it first went into collection, and exactly who the original creditor is.

It should also provide any information that specifically connects you to the obligation.

Once you receive the debt validation letter, you can begin examining it for clues on how to dispute the claim.

For example, many collection accounts are the result of either an uncredited payment or mistaken identity.

The collection agency may even be attempting to collect a debt you’ve long since paid. But they didn’t properly credit it to your account.

Mistaken identity is a surprisingly common situation, especially if you have a common name.

The collection agency may be attempting to collect a debt owed by someone with the same or a similar name.

But if you can show that you have a different address—or that you never lived at the address on record—you may be able to challenge the validity of the debt.

2. Request a Goodwill Deletion

This is a strategy worth trying if you already know the debt is yours—and you fully intend to pay it (or have already done so).

And your primary concern is improving your credit score.

It works something like this: you’ll send FMA Alliance Ltd. a goodwill letter.

The letter will need to explain that the reason the account went into collection was due to circumstances beyond your control.

That can include the death of a loved one, a divorce, a natural disaster, being called for military service, or anything similar.

You’ll request that FMA Alliance Ltd. remove the collection account from your credit reports as an act of goodwill.

If your letter is convincing, and especially if you can provide documentation supporting your story, the company may agree and remove the debt from your credit reports.

3. Offer a Pay-for-Delete Agreement

This is one of the more speculative strategies for dealing with any collection agency. In large part because it’s not guaranteed to work.

You’ll send FMA Alliance a pay-for-delete letter. In the letter, you’ll propose to pay the debt in full in exchange for the company deleting the account from your credit reports.

That sounds like a fair exchange, doesn’t it? Except for one thing—pay-for-delete arrangements are not legally enforceable.

Collection agencies can show a debt as paid on a credit report, but they’re not supposed to delete it after receiving payment.

For that reason, they can accept your money, then fail to remove the collection account from your reports.

If that turns out to be the case, you’ll have no legal recourse. Even if FMA Alliance agreed to the arrangement in writing.

4. Demand Deletion if FMA Alliance Can’t Fully Validate the Debt

There’s a second strategy involving the debt validation letter.

Say FMA Alliance doesn’t provide the letter, or it comes back missing significant information.

If this is the case, you have a right under federal law to demand the agency remove the collection account from your credit report and halt all further collection efforts against you.

If they agree, not only will the debt be canceled, but your credit report and your credit score will be restored.

So far, so good.

Unfortunately, the collection agency will probably continue attempts to collect a debt even though they’re unable to fully validate it.

You can assert your rights under the FDCPA. But that hardly means the collection agency will cower in fear and give in to your demand.

As often as not, you’ll need to hire an attorney to take over dealing with the collection agency.

That’s not a bad thing, because they’ll be better able to make the case that the agency has violated federal law than you can yourself.

5. Settle the Debt for Less than the Full Amount Owed

Interestingly enough, some collection agencies may suggest this route in your first contact. That’s because it’s a common practice in the industry.

It’s a collection agency putting the “half a loaf is better than none” strategy into practice.

But even if they don’t, you can suggest settling. Send FMA Alliance a letter offering to pay part of the debt in exchange for satisfaction of the entire amount.

We recommend making an initial offer of 50% or less of the full amount of the debt.

If FMA Alliance is willing to negotiate, they’ll counter with a higher figure. You’ll then negotiate back and forth until an agreed-upon amount is reached.

Once it has, insist FMA Alliance confirm all details of the agreement in writing.

That will include their willingness to accept a reduced amount in full satisfaction of the debt, a promise to end collection action against you, and a commitment to report the account as fully paid with all three credit bureaus.

You should not send any money to the collection agency until you receive a letter that includes all the information above.

If you send money before receiving the letter of confirmation, FMA Alliance may accept your payment as a partial settlement of the debt, then continue to pursue action against you for the balance.

Debt Recovery Solutions

If you’ve been contacted by a company called Debt Recovery Solutions, it’s probably due to an unpaid bill somewhere in your past.

When you fail to make payments on a bill, your creditor will offload the debt to a third-party company.

In this case, they gain control of the debt and will harass you until you pay up.

The worst part about being homed in on by a debt collector is the effect on your credit score.

They will open an account on your credit report to show that you have a history of failing to pay your bills.

This entry will remain on your record for as long as seven years – even if you pay them for the debt.

When it comes to Debt Recovery Solutions, it is important that you deal with the situation head-on.

If you ignore them in the hopes that they will go away, your situation will only worsen.

About Debt Recovery Solutions

Founded in 2002, Debt Recovery Solutions is a medium-sized debt collection agency that is headquartered in Syosset, NY.

They collect debts on behalf of a variety of commercial clients including:

  • financial institutions
  • utility providers
  • telecommunication companies
  • healthcare providers

They report annual revenue of over $2 million.

They have a headquarters staff of 18 employees to help process and recover accounts.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

Does Debt Recovery Solutions Have Any Complaints?

Since its founding in 2002, Debt Recovery Solutions has accrued an extraordinary number of complaints from its customers.

They currently has 168 complaints with the Better Business Bureau (BBB) and 845 complaints with the Consumer Financial Protection Bureau (CFPB).

The main issues when it comes to them are their aggressive collection tactics, rude customer service representatives, and disregard for the rules laid out by the FDCPA.

The Fair Debt Collection Practices Act (FDCPA) was enacted in the seventies to protect consumers’ rights against debt collectors like Debt Recovery Solutions.

It is important that you familiarize yourself with your rights under the FDCPA as soon as you begin hearing from a collector.

If you believe that they has committed FDCPA infractions against you, you can file a complaint as well.

You may also be entitled to damages payouts if you work with proper legal representation.

How to Deal with Debt Recovery Solutions

These are the three essential steps to take to remove Debt Recovery Solutions from your credit report.

Communicate Strictly in Writing

Debt collectors are known for saying one thing over the phone then turning around and doing the exact opposite.

Luckily, the FDCPA gives you the right to ask for all communication to be strictly in writing.

Communicating through writing can help you in a number of ways. First, it will stop Debt Recovery Solutions from clogging up your voicemail inbox.

Debt collectors like to call a million times a day to intimidate you and pressure you into paying up.

Enforcing your right to written communication will stop these calls and spare your inbox.

As we alluded to up top, it will also make negotiations with Debt Recovery Solutions much more legitimate.

With U.S. Mail, you will be able to hold onto every correspondence and refer back to them at any point.

If they claim they never said something, you can easily pull out the exact letter and prove them wrong.

Written communication is great for a number of reasons, but it will become especially handy later on when you need to strike a deal with them.

Request Debt Validation

Another FDCPA right that you should take advantage of is your right to request debt validation.

The debt collection industry is far from perfect. Companies are eager to offload debts, and debt collectors are eager to pick up what they see as easy profit.

All of this scrambling can cause mix-ups in information, which can lead to the wrong person paying off a bill.

To ensure that you are signing a check for someone else’s debt, request that Debt Recovery Solutions send you validation on the debt.

This will help you ascertain whether they are working with inaccurate information.

Even if you know that the debt is yours, you should still ask for debt validation.

If Debt Recovery Solutions has any information wrong about your debt, you can file a dispute with the credit bureaus and get out of paying altogether.

To get started, write a debt validation letter to them. This is essentially an official request for them to provide you with proof that the debt is yours.

They are required to respond with all their documentation within 30 days.

If they are unable to provide proof of the debt, they must contact the credit reporting agencies and remove the collection from your record.

Strike a Deal with Debt Recovery Solutions

If Debt Recovery Solutions is able to validate your debt, then you’ll have to try something different.

It’s time to strike a deal with them to get them to delete the collection account from your credit report.

The most common type of debt collection settlement, pay-for-delete agreements are your next best bet when it comes to bouncing back after collections.

They are characterized by a debt collector agreeing to remove the collection entry from your credit report in exchange for payment on a debt.

Debt Recovery Solutions may be hesitant to make a pay-for-delete agreement, however.

This is because it would essentially be falsifying an official record.

Although it is not technically illegal, it is frowned upon, so you’ll need to negotiate with them ahead of time.

Start by offering them 30% of the entire balance in exchange for a deletion. This will give you room to meet them in the middle.

It’s important that they agree to fully delete the debt. If they simply change the account status to paid, this will still impact your credit score.

Once you find an amount that works for both of you, ask them to send the full agreement on official company letterhead.

This will serve as the written proof that a pay-for-delete agreement is in place.

Debt Recovery Solutions should remove the account within 30 days of receiving your first payment.

If they wait beyond that, remind them of the official written agreement to spur them along.

Ask For Help Dealing with Debt Recovery Solutions

Negotiating with debt collectors is tricky business. If you’d rather hand the task off to a professional, you can always hire a credit repair company.

A credit repair company specializes in identifying and removing damaging accounts from your credit report.

They work directly with Debt Recovery Solutions to reach a settlement that will satisfy both parties and, most importantly, repair your credit.

It’s vitally important that you work with a credit repair company that can get results.

I recommend working with Lexington Law because of its outstanding track record and excellent customer service.

Ask Lex Law for Help

Do you have any expert knowledge about dealing with them? Leave your tips and tricks in the comments section below.

DCM Services LLC

Is a company called DCM Services LLC cluttering up your mailbox and voicemail? It’s probably because of a deceased loved one’s debt.

DCM Services LLC is a debt collector that has been put on your trail because of a debt from someone close to you who has recently passed away.

Their job is to recover overdue payments that were left behind by your loved one in life.

In addition to their annoying collection tactics, they can have a terrible impact on your credit as well.

They will appear on your credit report for as long as seven years. And this entry can prevent you from qualifying for loans and credit cards.

To them, it doesn’t matter that the debt wasn’t yours. They are looking to get paid, and they will not give up until you pay what they were owed.

If you are looking for a way to stop the incessant phone calls and letters, you’ve come to the right place.

In this article, we will discuss who DCM Services LLC is and how to get rid of them for good.

About DCM Services LLC

Founded in 2006, DCM Services LLC is an average-sized debt collection firm headquartered in Minneapolis, MN.

They are also known as Deceased Case Management Services or Balogh Becker Ltd.

As their full name implies, they specifically collects the debts of those who have passed away.

They operate within the Minneapolis-St. Paul metropolitan area.

They report annual revenue of roughly $26 million and employ 180 people at their headquarters.

Does DCM Services LLC Have Any Complaints?

Given the controversial nature of their business model, it is no surprise that DCM Services LLC has had complaints filed against them over the years.

Currently, they have 62 complaints with the Consumer Financial Protection Bureau (CFPB). And they have 26 complaints with the Better Business Bureau (BBB).

There have also been four civil suits files against them.

Many people claim that they have attempted to collect debts that were already paid. Or that they’ve inaccurately reported debts to the credit bureaus.

Consumers also report issues with their customer service representatives.

If you have any problems with them, contact the CFPB and file a complaint. They can investigate the claim and put a stop to DCM Services LLC’s abuse.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Deal with DCM Services LLC

Here are the three steps to follow to stop DCM Services LLC’s collection efforts for good and get the collection off of your credit report:

Ask for Validation on the Debt

Collecting debts from someone who is deceased can be a tricky business. DCM Services LLC may have gotten some information wrong on their end.

To ensure that you aren’t paying for the same debt twice, ask them for validation on the debt.

Under federal law, you have the right to ask a debt collector to prove that a debt is valid and that you are responsible for repaying it.

As long as you send a debt validation letter within 30 days of hearing from them, they must abide by your request.

Start by drafting a debt validation letter that is addressed to DCM Services LLC and lists various details identifying you and the debt.

After receiving your letter, they have 30 days to come up with documentation that definitively ties the debt to you or your loved one.

If they are unable to provide validation, the debt must be deleted, and collection efforts must cease.

Mail Your Debt Validation Letter to:

DCM Services, LLC
7601 Penn Ave. South A600
Minneapolis, MN 55423

Negotiate for a Lower Payment

So now you’ve received validation and DCM Services LLC has the correct information about the debt.

This means that you will need to settle up with them.

This step can be tricky seeing as the debt doesn’t technically belong to you.

In cases like this, money is paid to a debt collector or a creditor from a person’s estate. However, you may find that the debt totals more than is available out of the fortune left behind.

This is when you will want to negotiate with them to settle for a lower payment.

When your loved one died, the creditor that owned the debt assumed that they were never going to get paid for it.

DCM Services LLC offered to pay them pennies on the dollar for the debt. This ensured that the creditor wouldn’t walk away empty-handed.

So, they do not need to earn back the entire balance in order to turn a profit.

They only need a portion of it, which gives you room to negotiate.

If you play your cards right, you might be able to get away with paying around 50% of the total balance.

Negotiate with DCM Services LLC and see if you can come to an agreement regarding payment.

If they agree to let you off at a lower price, have them send the full agreement on a letterhead as proof.

Finally, make your first payment to them. They may try to insist that you pay the full amount.

But remind them that you have an official letterhead that states the terms of the deal.

This should get them to back down.

Turn to a Credit Professional

Dealing with your own debt is difficult and confusing. And dealing with a deceased loved one’s debt is doubly so.

If you would prefer to navigate these waters with a trained professional, it may be time to turn to a credit repair company.

Credit repair companies have seen it all. They know exactly how to deal with every type of debt situation – even one where the debt isn’t technically yours.

They can take over all of the communication and negotiation so that you can focus on remembering your loved one and not stressing over their finances.

Ask Lex Law for Help

Conclusion

Losing a loved one is painful enough without DCM Services LLC getting into the mix.

If you want to put them behind you for good, follow the steps outlined above or work with a credit repair company.

Do you have tips on how to deal with DCM Services LLC? Let us know in the comments section below.

Burr & Reid

You may find that one of your debts has resulted in calls from a company called Burr & Reid.

They are a prominent debt collector in New York and Pennsylvania, and they have been hired to collect your overdue balance.

Unfortunately, they will clutter up your mailbox and voicemail. They can also have a detrimental effect on your credit score.

In order to contact you for payment, they must first open a collection account on your credit report.

This will result in a dramatic drop in your credit score that can stay in place for nearly a decade.

The best way to stop Burr & Reid’s collection efforts and repair your credit is to delete this entry from your credit report.

Read on to learn more about the best way to make that happen.

About Burr & Reid

Headquartered in Vestal, NY, Burr & Reid is a medium-sized debt collection firm that operates in the Northeast.

Specifically, they have a license to practice in Pennsylvania and New York. They have locations throughout both states.

In regard to the types of debt they collect, Burr & Reid focuses on servicing:

  • Healthcare providers
  • Financial institutions
  • Large corporate clients

If you have a debt that falls in these categories, you may begin to hear from them.

Does Burr & Reid Have Any Complaints?

Complaints are pretty standard in the debt collection industry. After all, they are far from the first people that you want to be getting missed calls from.

Burr & Reid has had an average amount of complaints filed against them over the years.

They currently sit with 11 complaints with the Consumer Financial Protection Bureau (CFPB) and 3 complaints with the Better Business Bureau (BBB).

You may be wondering if Burr & Reid is deserving of all the bad press. The truth is probably yes.

Many debt collectors are responsible of violating consumer rights in the pursuit of a debt.

These rights, afforded to you under federal law, are meant to protect your integrity throughout the process. We’ll discuss specifically how the law protects you below.

If Burr & Reid oversteps their bounds, you can file a complaint or even a civil suit. You may even be eligible for damages if their abuse runs deep enough.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Deal with Burr & Reid

Want to put an end Burr & Reid’s demands and improve your credit along the way? Here are the four steps to get you there.

Get to Know Your FDCPA Rights

One of the first things that you should do when you start hearing from a debt collector is familiarize yourself with your FDCPA rights.

The Fair Debt Collection Practices Act (FDCPA) is federal legislation that prevents abuse, deception, intimidation from debt collectors.

In no uncertain terms, the law lays out specifically what Burr & Reid is and isn’t allowed to do in pursuit of payment.

Under the FDCPA, Burr & Reid is not allowed to:

  • Call you before 8 a.m. or after 9 p.m.
  • Contact anyone except you about your debt.
  • Threaten you with criminal charges.
  • Threaten legal action that they can’t or won’t take.
  • Publicize your debt.
  • Use obscene language.
  • Threaten you with bodily harm.
  • Fail to validate your debt.
  • Report inaccurate information about your debt.
  • Misrepresent themselves when contacting you.

As soon as you start having regular contact with them, make sure that you are familiar with your rights under the law.

This will help prevent abuse from them moving forward and keep their collection efforts above board.

Write a Debt Validation Letter

One of the most important rights provided by the FDCPA is the right to request validation from a debt collector.

Burr & Reid works with a lot of clients, which means there is a lot of information about debts flying around on a daily basis.

It isn’t unheard of for a debt collector to mix up information about one person’s debt with another.

Before you even think about making a payment on a debt, you need to write a debt validation letter to Burr & Reid.

This will help you make sure that they are reporting everything accurately to the credit bureaus. It will also ensure that you aren’t making payments on someone else’s debt.

Make sure to send your debt validation letter to them within 30 days of hearing from them for the first time.

If you wait longer than that, your request may be ignored.

They should return after 30 days with proof that the debt belongs to you. Go through their paperwork to confirm that all the information is accurate and timely.

If you find something amiss in the documents, you can submit a dispute with the credit bureaus.

They will examine the claims and delete Burr & Reid’s entry if they agree that the entry is inaccurate.

Settle the Debt for a Portion of the Balance

If you missed your opportunity to validate the debt, your next move is to settle up with Burr & Reid.

However, this doesn’t mean that you have to pay the entire balance.

As a third-party collector, they purchase delinquent accounts from companies that are eager to get rid of them.

They will buy them for pennies on the dollar and turn a profit by collecting the full balance.

If you play your cards right – and are a skilled enough negotiator – you may be able to talk them down to a fraction of the price.

Alternatively, you can have them delete their collection accounts, which will boost your credit score.

Start offering to pay them 30% of the balance. This is a laughable amount that will most likely be declined.

However, it gives you leverage to inch your way up to a more reasonable amount.

Once you come to an agreement with Burr & Reid, draft up a contract that clearly states the terms and conditions.

Request that they send you this document on one of their letterheads so that you can have proof of the deal.

After you receive this letter, make your first payment. It should take them about a month, but they should remove their collection account from your credit report soon thereafter.

Hire a Credit Repair Company

You don’t have to go up against Burr & Reid all on your own. If you prefer, you can always hire a credit repair company to deal with them for you.

Credit repair companies are a saving grace for folks that don’t have the time or patience to negotiate with debt collectors.

They are exceptional at removing damaging accounts from your credit report and boosting your credit score.

It’s important that you work with a credit repair company that has a track record of success. Personally, I recommend working with Lexington Law.

Lexington Law has over 28 years of experience with collection agencies like Burr & Reid.

They can take them off your hands so that you can enjoy all the benefits of improved credit without logging the hours.

Ask Lex Law for Help

Conclusion

Dealing with Burr & Reid involves navigating consumer finance law and credit recovery services.

It may seem daunting, but it is worth it to get your credit back in a good spot.

We are always looking for new ways to handle the efforts of debt collectors.

If you have any sage knowledge about dealing with Burr & Reid, leave a comment in the comments section below.

Bridgeport Financial, Inc

Bridgeport Financial, Inc is a debt collection agency that works with creditors to recover unpaid bills from consumers.

If you have an unpaid debt hanging over your head, they have probably been hired to recover it.

Most people get spooked and pay debt collectors in order to make them disappear.

Unfortunately, this can make the situation worse and lower your credit score further over the next seven years.

The best way to deal with Bridgeport Financial, Inc and clean up your credit report is to remove their collection account from your record.

Keep reading and we’ll tell you exactly what you need to do to make this happen.

About Bridgeport Financial, Inc?

Founded in 1994, Bridgeport Financial, Inc is a small debt collection agency that is based in San Jose, CA.

They report an annual revenue of $2 million and have a headquarters staff of about 25 employees.

Roger Young, an industry leader, and experienced accounts receivable professional acquired Bridgeport Financial, Inc to help expand the company’s capabilities.

Does Bridgeport Financial, Inc Have Any Complaints?

Like most debt collectors, Bridgeport Financial, Inc has complaints filed against them with major oversight bureaus.

While they do not have any complaints filed with the Consumer Financial Protection Bureau (CFPB), they have had seven complaints filed with the Better Business Bureau (BBB).

There have also been at least four cases of litigation involving Bridgeport Financial, Inc.

The major issues with them stem from their disregard of federal consumer protection law, specifically the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).

If you believe that they have violated your rights under the law, you may consider filing a complaint or civil suit against them as well.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Deal with Bridgeport Financial, Inc

These are the three essential steps for dealing with Bridgeport Financial, Inc. and getting the collection off of your credit report:

Demand Debt Validation

Debt collection is a tricky business. A lot of companies are eager to offload unrecovered accounts, and just as many debt collectors are eager to scoop them up at a discount.

The transition of debt from the original creditor to debt collector is often hurried and disorganized. This means that there is plenty of room for error in information accuracy.

The best way to make sure that Bridgeport Financial, Inc is collecting a debt that is 100% accurate is to demand debt validation.

This is a right that is provided to you under the FDCPA and FCRA – so long as you make your request within 30 days of hearing from them.

To formally demand that they validate your debt, you will need to send them a letter through certified U.S. Mail.

This is known as a debt validation letter and states that they should send you everything they have on your debt.

They should respond to your debt validation request within 30 days of receiving your letter. If they don’t, they are in violation of federal law.

Once Bridgeport Financial, Inc returns with the information about your debt, make sure that you review each page in its entirety.

If you find anything amiss, file a dispute with the credit reporting agencies. They will investigate and remove the account accordingly.

Offer a Settlement

If Bridgeport Financial, Inc is able to validate your debt, this is both good news and bad news.

The good news is that you aren’t footing the bill for someone else’s debt. The bad news is that you are now responsible for repaying the debt.

However, they may be willing to agree to a settlement. They may be willing to delete their collection account in exchange for payment.

Remember how we mentioned the impact of collection accounts at the beginning? These are entries on your credit report that show that you have a history of neglecting to pay your bills.

They can impact your credit score by up to 100 points for as long as seven years.

If you have to pay the debt, you might as well try to get Bridgeport Financial, Inc to delete their account.

This is known as a pay-for-delete agreement and will help your finances tremendously in the long run.

To kick off negotiations, offer Bridgeport Financial, Inc half of the total balance in exchange for a deletion.

It is unlikely that they will agree to this, but this will give you room to negotiate with them.

Once Bridgeport Financial, Inc agrees to a deletion, draft a contract with the clearly stated terms and conditions.

Ask them to send the contract back on their letterhead. This will give you proof that there is an agreement in case they try to back out once you pay your debt.

Bridgeport Financial, Inc usually takes about a month to remove accounts from credit reports.

Keep an eye on your credit reports to ensure that they follow through once they receive your payments.

Work with a Professional

If all of this sounds a little overwhelming, you’re not alone. Plenty of people don’t feel prepared enough to deal with debt collectors on their own.

If you would prefer to hand Bridgeport Financial, Inc off to a professional, you can always work with a credit repair company.

Credit repair companies are an excellent resource for those that are too busy or inexperienced to deal with debt collectors.

They will go through your credit report, identify damaging accounts, and work with collectors to remove those accounts and boost your score.

Like many industries, credit repair is filled with companies that are not worth the money.

It’s important to do your research before you hand over your hard-earned cash to someone promising results.

I recommend that you work with Lexington Law. They have an excellent track record of cleaning up credit reports and taking Bridgeport Financial, Inc off customers’ hands.

Ask Lex Law for Help

Conclusion

Dealing with Bridgeport Financial, Inc is stressful, but it isn’t a futile effort.

Removing their collection account from your record will save you future headaches when it comes time to apply for a mortgage or car loan.

If you have any tips on how to handle Bridgeport Financial, Inc, please let us know! Leave a comment in the comments section below.

Fairway Collections

Is there a collection on your credit report from a company called Fairway Collections?

If so, the source of the original debt can be any one of a multitude of original creditors.

That’s because Fairway Collections offers its collection services to an unusually wide range of client creditors.

Whatever type of debt it is, you should never ignore collections or contact attempts from a collection agency.

Not only does a collection remain on your credit report for up to seven years, but the possibility is very real that the collection account could be escalated to a judgment.

These are outcomes you’ll want to avoid. In this guide, we’re going to provide you with strategies to deal with Fairway Collections.

About Fairway Collections

Fairway Collections, LLC is based in Centralia, Washington, and began operating back in 2002.

As evidenced by its name, the company makes no attempt to mask the fact that it’s a collection agency.

The company describes its methodology as “using a positive, ‘compassionate’ approach with consumers.”

Whether or not that’s true, they’re still a collection agency. Friendly wording should never mask the true intent of all collection agencies. Which is, of course, to collect a debt.

At best, you can hope they’re more user-friendly than many of their competitors.

What Debts Does Fairway Collections Collect?

According to the website, their primary collection focus is on:

  • healthcare
  • education
  • property management
  • credit unions
  • financial institutions
  • utilities
  • governments

The last category includes collection of taxes, parking violations, and fines and fees.

Since Fairway Collections’ client base is so diversified, they can launch a collection effort from a multitude of potential creditors.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

Is Fairway Collections Legit?

Fairway Collections is a legitimate business that has a Better Business Bureau rating of “A”, which is the second-highest rating provided on a scale of A+ to F.

The company has been in business since 2002 and accredited with the BBB since June 2020.

But only two complaints have been filed against the company in the past three years.

Before You Deal with Fairway Collections

Before getting into the specific strategies for dealing with Fairway Collections, it will help to familiarize yourself with the basic rules of dealing with any collection agency.

1. Don’t deal with collection agencies by phone

There’s no evidence that Fairway Collections operates using heavy phone contact. But it’s best avoided if they do.

Even if they are “positive” and/or “compassionate”, dealing with any collection agency by phone is a communication method designed to work against you.

Collection agents are trained in how to deal with consumers by phone.

They know how to apply the right amount of pressure to either convince the consumer to provide additional information or make promises to send payments.

They’ll do this knowing that either outcome has great potential to compromise the consumer’s position.

And while all that’s taking place, the collection agency will be recording your phone call. That’s not a matter of company policy, either. The purpose is to use the recorded call as evidence against you, possibly in court.

Are you scared yet? We certainly hope so. You need to know this to keep you from engaging in exchanges with a collection agency that you’re bound to lose.

2. All contact with a collection agency should be in writing

You have a right under federal law to restrict communications with collection agencies to written correspondence, thus eliminating phone calls.

This is a right you should take full advantage of. And do it from the very beginning. An initial phone contact with Fairway Collections may be inevitable.

But you can invoke your right to prevent future calls.

Eliminating phone contact will put an end to harassing phone calls.

Collection agencies are notorious for making repeated calls to consumers at home or at work.

And since nearly everyone has a mobile device now, that means the agency is free to hound you wherever you are.

You don’t need all those calls, and you certainly don’t need all the pressure that comes with them.

Demanding all communication be handled in writing will put a stop to it all. But it will also serve to level the playing field.

It’s much more difficult for a collection agent to be aggressive by mail than by phone.

After all, any threats made in a letter will represent written evidence of violation of federal law.

As such, written correspondence will keep the exchanges more civil.

Written correspondence will also make it easier for you to keep your responses short, limiting potential unintended consequences.

For example, you can use your letter responses to request additional information. While simultaneously avoiding providing any fresh information to the collection agent.

And just as important, you’ll be able to keep a paper trail of all exchanges with the collection agency.

Just be sure to send all correspondence to the agency using certified mail, return receipt requested.

That will provide evidence your letters were both sent and received by Fairway Collections.

3. Never promise to make a payment unless you’re willing and able to make it

A collection agent calls you, and with the intent of getting rid of him, you give in and promise to send money by a certain date.

Though you have no intention of sending the promised funds, you assume that no harm has been done.

Unfortunately, that assumption is wrong. You may have gotten rid of the collection agent temporarily, but you may also have dug yourself into a deeper hole.

An unfulfilled promise to pay, whether made in writing or in a recorded phone call, can be a form of breach of contract. The collection agency can use that against you in a lawsuit.

Never make a promise to send money to a collection agency unless you have the funds, and fully intend to send them by the promised date.

4. Familiarize yourself with your rights under federal law

The Fair Debt Collection Practices Act (FDCPA) provides consumers with certain protections from collection agency abuses.

You can learn these protections by reading the Debt Collection FAQs provided by the Federal Trade Commission (FTC).

Just knowing your rights under federal law may give you the upper hand when a collection agency starts getting ugly.

Get Legal Help in Dealing with Fairway Collections

If the debt you owe Fairway Collections is large, or if the company is threatening you with legal action – or you believe they’ve violated any federal laws in their attempt to collect the debt – it’ll be time to bring in an attorney.

One of the best in the business is Lexington Law, a law firm that specializes in credit law.

Yes, you’ll pay a fee for their services, but it will be money well spent if it makes the collection agency go away – and maybe even gets the collection account removed from your credit report.

Ask Lex Law for Help

Specific Strategies for Dealing with Fairway Collections

Now let’s move on to specific strategies to help you deal with Fairway Collections.

1. Demand Fairway Collections Provide a Debt Validation Letter

A collection agency is required to provide debt validation under federal law. It’s the way the collection agency establishes its claim against you.

If they don’t provide validation on their own, you’ll need to request it.

You’ll do this by sending the company a debt validation letter, requesting they provide full verification of the debt.

It should include the name of the original creditor, the date the account first went into the collection, the dollar amount of the debt, and any information that clearly ties you to the obligation personally.

When the debt validation is received, review it carefully. Collection accounts are often the result of an attempt to collect a debt that was already paid. Or it could be a case of mistaken identity.

If the debt has been paid, you should be able to get it eliminated by providing proof of previous payment.

But if it’s a case of mistaken identity, you should be able to provide information proving you’re not the person named in the validation.

Once that information is provided, the collection agency should drop the case against you.

2. Request a Goodwill Deletion

This is a simple and sometimes successful strategy. You can request a collection account be deleted as a goodwill gesture.

You’ll do this by sending Fairway Collections a goodwill letter. In the letter, you’ll request the collection be removed from your credit report.

For a goodwill deletion to be even considered, the debt must either be paid or you’ll include your promise to do so.

But just as important, your letter will also have to have a compelling explanation for why the account went into collection.

The reason must be due to circumstances beyond your control. That can include an extended time of unemployment, a business failure, a major health event, or anything similar.

Not all collection agencies will be willing to comply, but some will. And that means it’ll be worth a try.

3. Offer a “Pay-for-Delete” Agreement

This strategy is worth trying if you’re willing to pay the debt in full. And if you are primarily concerned with having the collection account removed from your credit report.

You’ll send Fairway Collections a pay-for-delete letter, in which you’ll request removal of the collection account from your credit reports in exchange for full payment of the obligation.

The collection agency may agree to cooperate as a means of collecting the full amount of the debt owed.

If they do, be sure to request a written confirmation of your agreement.

But don’t get too excited yet. The company may send you the written confirmation, then accept your payment in full satisfaction of the debt.

But they may not remove the collection account from your credit reports.

And if they don’t, you’ll be out of luck.

That’s because pay-for-delete arrangements are not legally enforceable. It won’t matter that the company has agreed to it in writing.

An agreement that violates another business arrangement, the relationship between the collection agency and the credit bureaus, can’t be enforced.

It may be worth trying if you plan to pay the debt in full anyway. But don’t be surprised if the agreed-upon collection account deletion doesn’t happen.

4. Demand Deletion if Fairway Collections Can’t Fully Validate the Debt

While debt validation will give you an opportunity to dispute the facts of a collection agency’s claim against you, it offers yet another opportunity for you to dispute the debt.

If the collection agency either failed to provide proper debt validation, or it comes back missing important information, you can legally challenge the validity of the debt.

Say the collection agency doesn’t agree. If so, you can open a dispute with the three credit bureaus, Experian, Equifax, and TransUnion.

And they’ll conduct their own investigation within 30 days.

If Fairway Collections similarly fails to provide full validation of the collection account, the credit bureaus will delete it from your credit reports.

However, there’s a high likelihood that even if the collection account is deleted, the collection agency will continue to pursue you for the debt.

In fact, it’s not at all an uncommon outcome.

If that happens, you may need to get legal representation. We certainly don’t recommend this if the debt is small, like a couple hundred dollars.

But if they’re continuing to attempt to collect a debt of several thousand dollars, getting legal help will more than justify the cost.

5. Settle the Debt for Less than the Full Amount Owed

Maybe your primary objective is not removing the collection account from your credit reports, but simply getting the collection settled.

If so, you can save yourself a small fortune by settling the debt for less than the full amount owed. It’s a common way collection accounts are resolved.

You’ll send Fairway Collections a letter proposing to pay them less than the full amount. Your initial offer should be 50% or less of the full amount.

If the company is open to settling, don’t counter-offer at a higher amount. You’ll continue to negotiate until you reach an agreed upon settlement.

Once you do, insist Fairway Collections provide a letter acknowledging acceptance of the reduced amount in full satisfaction of the entire debt, and agreeing to report the account as fully paid on your credit report.

Do not send any money until you receive this letter! If you send money before, the collection agency may accept the funds as partial satisfaction of the debt, then continue to pursue you for payment of the full amount.

Never forget that unless an agreement is confirmed in writing, it’s not legally enforceable. That goes double when you’re attempting a settlement with a collection agency.

It’s an industry well known for its many “misunderstandings”.

EZ Pass Collections

Technically speaking, there is no organization known as “EZ Pass Collections”.

Instead, it’s a term used to describe collections from various state-run toll authorities.

You may receive a bill directly from EZ Pass for an unpaid toll, plus additional fees if the toll hasn’t been paid beyond a certain point.

In this article, we’ll discuss strategies for dealing with EZ Pass collections.

About EZ Pass Collections

EZ Pass was established in 1987 as an electronic collection system.

Essentially, the company will provide you with an electronic device – connected to a funded account – that will automatically pay your toll when you pass a tollgate.

But problems can arise if the electronic device malfunctions, or if the tollgate reader somehow malfunctions.

Theoretically, if both systems are working properly, your toll should be paid each time you pass a tollgate.

And the only notification you’ll receive is a notice from EZ Pass advising you to replenish your account.

But in the real world, such precision is rare. One of the problems is that a single unpaid toll of, say, $5, can easily escalate to a much higher number if you have not been notified of the non-payment for several months or years.

The fact that there are EZ Pass divisions in each of the 17 states the company services makes it difficult to generalize outcomes.

The Better Business Bureau lists separate complaint lists for each state agency. The agencies in New York and New Jersey are each rated and “F” by the BBB.

Complaints commonly involved relatively small amounts of unpaid tolls, like $15 or $20, with fees and penalties raising the balance due into the hundreds or even thousands of dollars.

MyFICO has a forum page where consumers can weigh in on their experience with EZ Pass collections.

The information there is more limited, but confirms the complaints made through the BBB (small tolls growing many times to very large amounts when penalties and administrative fees are added).

If your EZ Pass collection amount is high – and they have been known to go over $1,000 –
you may want to engage the services of a good credit repair company.
They’re more likely to get a quick settlement.

Ask Lex Law for Help

How EZ Pass Collections Works

EZ Pass collections are something of a gray zone in the collection universe.

First, EZ Pass serves as a collection company for the toll authorities in 17 states.

These include New York, New Jersey, Florida, Illinois, Massachusetts, North Carolina, Ohio, Ontario, Pennsylvania, Virginia, among others.

Meanwhile, they also collect for 39 agencies within the states participating in the EZ Pass system.

You may not be exempt from EZ Pass collections because you don’t live in one of the 17 states the company services.

You could receive a collection notice as a result of driving through a tollgate in one of those states.

If you do receive a collection notice, either from the specific toll authority or from EZ Pass, it can either be a routine billing for passage through a tollgate, or a collection notice for past due balances.

If it’s a collection, it may come either from the toll authority or an assigned collection agency.

Get Legal Help in Dealing with EZ Pass Collections

It’s fairly easy to negotiate a lower settlement amount on your own. Despite the fact that toll authorities are the original creditors with EZ pass collections.

You may be dealing with EZ Pass, a third-party collection agency, or even with the toll authority itself.

In any case, if the amount of the debt or the terms are unreasonable, you may need to get legal representation to deal with the situation.

This will also be the case if you have evidence the claimed debt is an error and either the toll authority or its agents refuse to accept your documentation.

If you do need legal representation, Lexington Law is an excellent choice.

As a credit-centered law firm, they deal with collection situations on regular basis.

That includes collections for the toll authorities, whether the debt is owed directly to the toll authority, EZ Pass, or a third-party collection agency.

However, if you do plan to challenge a toll debt legally, you’ll need to do it as early in the process as possible.

The penalties for non-payment are severe, and can affect both your lifestyle and your livelihood.

For example, having your license and registration suspended will leave you unable to commute to-and-from work, or even to drive for personal reasons.

And as is always the case with any type of obligation owed to the governing authority, interest and penalties continue to accrue until the debt is fully paid.

Either work to settle the toll debt on your own and as soon as possible, or engage the services of either a credit repair company or a credit law firm.

Toll-related debts are one of those obligations you absolutely need to settle as quickly as possible.

Ask Lex Law for Help

How to Deal with EZ Pass Collections

The process for dealing with EZ Pass collections is different than it is from other collection agencies.

Observe the following rules:

  • Regularly check your EZ Pass account balance and personal contact information. If your account has a negative balance, no tolls will be paid. And if your contact information – particularly your mailing address and registered vehicle – is incorrect, the toll authority may not be able to reach you, which will result in the escalation of penalties and administrative fees.
  • Promptly respond to any invoices for payment from a toll authority. Even if you believe it to be in error, pay the toll – and any fine – and dispute the charge later.
  • If an account balance is way past due, EZ Pass will attempt to collect the debt. At this point, substantial penalties and a big administrative fee will be added to the unpaid toll amount. You should negotiate with EZ Pass for a reduced balance. Many people have succeeded in doing this through the Better Business Bureau.
  • If EZ Pass is unable to collect the debt, it’ll be turned over to third-party collection agencies. Transworld Systems and Linebarger are two common collection agencies used to collect toll debts. If the debt gets this far, expect a collection agency to play hardball.

There are two facts you should be aware of:

  1. Under the National Consumer Assistance Plan, toll authorities will not report unpaid toll accounts on credit reports. However, that does not necessarily include accounts placed with third-party collection agencies.
  2. If you fail to pay or settle your toll debt, you can face suspension of your driver’s license and vehicle registration.

Because of the factors above, dealing with EZ pass collections will require a different set of strategies than we would recommend with getting other collections off of your credit report.

Let’s look at each strategy, one at a time.

1. Settle the Account as Soon as You Become Aware of It

EZ Pass is an intermediary between consumers and state toll authorities. As a result, their collection efforts carry greater weight than those initiated by commercial entities.

Toll authorities can add substantial penalties to a small unpaid toll balance, causing it to rise many times above the amount of the toll itself.

And if they turn it over to EZ Pass, an administrative fee will be added to the total.

The best strategy is to pay any invoices you receive from the toll authority. The situation will get only more expensive if you don’t.

As evidenced by consumer reports and complaints provided on the Better Business Bureau and MyFICO, both EZ Pass and third-party collection agencies will settle total balances due for big discounts.

However, if you don’t accept the settlement presented, you may be inviting the suspension of both your driver’s license and the registration on the vehicle the unpaid tolls are attributed to.

Unfortunately, options are limited when you’re dealing with a state authority.

2. Negotiate a Settlement for Less than the Amount Due

Once again, this strategy is not likely to work with a bill directly from the toll authority.

Under state law, they have been granted both the ability to collect the amount of the toll, as well as to impose prescribed penalties.

But if the account balance is being collected by either EZ Pass or by a third-party collection agency, you should generally be able to settle the amount due for substantially less than the balance claimed.

One way to do this, at least when dealing with EZ Pass, will be to file a complaint with the Better Business Bureau.

EZ Pass seems to be quite responsive where the Better Business Bureau is concerned, and quickly offers payment settlements.

These settlements are typically substantially below the original balance due.

For example, $25 in tolls can easily escalate to more than $1,000 in total fees for penalties and administration.

But EZ Pass might discount that down to something like $250 with a well-worded complaint filed by the BBB.

The situation is more mixed with third-party collection agencies.

However, there are strong indications the total balance due is also negotiable with these companies as well.

You’ll need to contact the agency as soon as you become aware of the debt.

The collection agency may even offer you a reduced settlement upon your initial contact.

If they don’t, you may need to propose one. Send the collection agency a letter offering to settle the debt for whatever amount you feel is reasonable.

Including an explanation of the circumstances behind your non-payment will help your case if it’s convincing.

Based on our research, the collection agencies appear to have considerable latitude in reducing the debt, even by very large amounts.

3. Get Confirmation of ALL Settlements in Writing

A settlement to pay a toll debt for less than the full amount claimed is not likely. Especially if you’re dealing with the toll authority itself.

But if you do receive a bill, you should pay it immediately. And keep a record of both the bill and your payment.

Toll authorities are bureaucratic in nature. This means you may need to provide evidence of payment of previous billings if they failed to record those payments.

If you work out a settlement with EZ Pass or a third-party collection agency, you’ll need to get a written confirmation of the settlement amount before sending payment.

Once again, you’ll need to keep copies of both the written confirmation of the settlement agreement. As well as evidence of your payment of that balance.

If you live in a state where there are tolls that you regularly pass through, it may be worth the effort to keep a file dedicated to toll billings and payments.

You can never know when you might need one.

4. Work Out a Payment Plan if You Can’t Settle Immediately

A payment plan will be very unlikely if the account is being collected directly by the toll authority.

But it may be possible with EZ Pass and third-party collection agencies.

We saw evidence of limited payment arrangements being accepted by EZ Pass on the Better Business Bureau.

However, any payment arrangement is likely to be very short-term.

Most likely, EZ Pass will want to be fully paid within three or four months of accepting a settlement agreement.

If you have extenuating circumstances – that you can fully document – you may be able to request a longer repayment term.

But it’s unlikely to go more than six months or a year.

5. Familiarize yourself with your rights under federal law

Since you’re dealing with a government agency as an original creditor, invoking federal law may have limited value.

Both the toll authorities and their third-party agents are required to pursue collections within the scope of federal law.

But it’s unlikely you’ll be able to invalidate a debt due to a violation of that law.

It’s still worth your time to be familiar with the law anyway.

The Fair Debt Collection Practices Act (FDCPA) provides consumers with certain protections from collection agency abuses.

You can learn these protections by reading the Debt Collection FAQs provided by the Federal Trade Commission (FTC).

Just knowing your rights under federal law may give you the upper hand when a collection agency starts getting ugly.

Evergreen Professional Recoveries

Evergreen Professional Recoveries may have appeared on your credit report, or perhaps you’ve received a phone call or a letter from them.

If so, it’s an attempt to collect a debt. You’ll need to work to resolve the situation as quickly as possible.

Unfortunately, collection accounts have a way of getting worse with time, not better.

In this guide, we’ll be providing you with strategies for dealing with Evergreen Professional Recoveries. None will be easy – or guaranteed.

But if you’re up for the challenge, a specific strategy may be able to either lower the debt, remove it from your credit report, or make it go away completely.

About Evergreen Professional Recoveries

Based in Bothell, Washington, Evergreen Professional Recoveries, Inc., has been operating as a collection agency since 1986.

The company provides recovery services for everything ranging from large national and regional companies to small, local businesses.

No industry specialization is indicated. But the company does list:

  • health care
  • financial institutions
  • retail
  • education
  • government (court and non-court ordered)

They have an in-house legal department but also participate in a network of attorney services.

The company also does not indicate if it represents original creditors, or if it purchases the debts to become the primary creditor.

Is Evergreen Professional Recoveries Legitimate?

Evergreen Professional Recoveries is a legit business that has a Better Business Bureau rating of “A”, which is the second-highest rating provided on a scale of A+ to F.

Evergreen Professional Recoveries has been accredited by the BBB since 1994, though it only has 18 complaints filed against it in the past three years.

Though the sample size of complaints is small, it’s worth knowing that the collection agency has answered each, though only one has been resolved in the consumer’s favor.

However, the complaints don’t show specific patterns of behavior by Evergreen that might be helpful in dealing with them.

Get Legal Help in Dealing with Evergreen Professional Recoveries

Not everyone is cut out to deal with collection agencies, and there’s no shame in admitting you can’t.

If Evergreen Professional Recoveries gets especially aggressive, or if they threaten you with legal action, hire a credit repair specialist to represent you.

One of the top credit law firms in the country is Lexington Law.

Since they specialize in credit law, don’t give you a big advantage in dealing with a collection agency.

And if there are any violations of federal law, they may be able to make your collection go away completely.

Ask Lex Law for Help

Before You Deal with Evergreen Professional Recoveries

There are some rules, you’ll need to be aware of that apply to dealing with any collection agency.

Learn these before taking on Evergreen Professional Recoveries.

1. Do Not Communicate via Phone

Phone contact is the best strategy for collection agencies – which is why it is virtually the worst one for you.

A train collection agent will have all the advantages, knowing exactly how to intimidate and coerce you.

Unless you work as a collection agent yourself, you’ll be at a decided disadvantage.

You should also know that collection agencies routinely record phone calls.

No, it’s not being done for quality service or training purposes, but rather to gather evidence against you.

Evidence? Yes – the kind can be used against you in a lawsuit.

The agency will be attempting to have you provide additional information, to further establish your responsibility for the debt.

They’ll also be pushing you to make a promise to pay. Even if you can’t, they may still win. (We’ll get into the reasons why in a little bit.)

Though an initial contact with a collection agency may be by phone, it should be your last. And if it hasn’t happened yet, be sure to provide as little information as possible.

2. Communicate in Writing

Collection agencies are well aware that consumers have certain protections under federal law.

One of them is to put a stop to phone contact by insisting on communication by written correspondence. You should invoke this right immediately.

First, it will put an end to the annoying and often unsettling phone calls.

When a collection agency becomes particularly aggressive, a common tactic is to bombard you with multiple phone calls in a space of a few days or weeks.

That can leave any consumer off-balance, which is exactly what you’ll need to avoid.

Second, written correspondence will make it easier for you to keep track of the collection process.

Everything will be spelled out in writing, and you’ll be able to limit your responses to facts and your own questions for the collection agency.

Any correspondence you send to the collection agency should be sent by certified mail, return receipt requested.

That will not only prove you’ve sent letters to the agency, but also that they been received.

As correspondence comes in and goes out, be sure to maintain all communication in a dedicated file folder.

Not only will this make it easy for you to access the many exchanges that are likely to take place, but it can also serve as your best defense in a lawsuit.

In fact, you may want to consider that your entire strategy for dealing with a collection agency needs to be based on the premise that you’re ultimately preparing for a lawsuit.

Most likely it will never happen. But if it does, your file full of correspondence will give you a fighting chance.

3. Do Not Make a False Promise to Pay

This is probably the biggest mistake unsuspecting consumers make. Often, it’s done in an effort to get rid of the collection agent – at least at the moment.

But rest assured, the agent will always come back until full payment is received.

But if you make a promise to pay – and don’t follow through – it can be considered a breach of contract.

That will help the collection agencies case against you in a lawsuit, and put you at a decided disadvantage.

It’s worth repeating – never make a promise to send payment unless you have the money and your fully prepared to send it.

4. Know Your Rights Under Federal Law

The Fair Debt Collection Practices Act (FDCPA) provides consumers with certain protections from collection agency abuses.

You can learn these protections by reading the Debt Collection FAQs provided by the Federal Trade Commission (FTC).

Just knowing your rights under federal law may give you the upper hand when a collection agency starts getting ugly.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Deal with Evergreen Professional Recoveries

Now that you have a good handle on the basics of dealing with all collection agencies, let’s look at some more specific strategies for dealing with Evergreen Professional Recoveries.

We’re offering several, because the various types of debt the company may be collecting for cover such a wide range.

One strategy may work for a credit card collection, while you’ll need another to deal with a property management company debt.

1. Demand Evergreen Professional Recoveries Provide a Debt Validation Letter

Debt validation is the foundation of the collection process. A collection agency can’t simply assert debt against you – they have to prove it.

This is what the validation process is intended to do. Federal law requires the collection agency to provide that validation.

Your first step in dealing with Evergreen Professional Recoveries must be to demand a fully completed debt validation letter.

The debt validation should provide any information relevant to the collection, including the amount, the date the account within the collection, the name of the original creditor, and other information that clearly establishes your responsibility for the obligation.

Once you receive the debt validation, review the details carefully.

You’ll need to look for any indication the collection agency is attempting to collect a debt that has already been paid, or got you confused with someone else.

You should be able to dispute the debt if either situation is the case. If you’ve already paid the original creditor, provide a copy of the payment to the collection agency.

And of course, offer any evidence that will show you are not the person they’re looking for if it’s a case of mistaken identity.

2. Request a Goodwill Deletion

If a collection account is the result of circumstances beyond your control, and you’ve either paid the debt in full, or plan to do so, it may be possible to have the account deleted from your credit report. This is known as a goodwill deletion.

You’ll need to send Evergreen Professional Recoveries a goodwill letter, that will a) remind the agency.

The debt has already been paid, and b) make a convincing case that it was the result of circumstances beyond your control.

It should be something like a prolonged health-related issue, a divorce, the death of a loved one, or something of similar magnitude. Including supporting documentation will strengthen your case.

If your letter is convincing, the collection agency may delete the account from your credit reports, improving your credit score.

3. Offer a “Pay-for-Delete” Agreement

If your primary purpose is to improve your credit score, this is a strategy worth trying.

Essentially, you’ll send the collection agency, a pay-for-delete letter, offering to pay the account in full in exchange for the collection agency deleting the account from your credit reports.

If they agree, request confirmation of the arrangement in writing.

That you should be aware that even if Evergreen Professional Recoveries agrees to the pay-for-delete arrangement in writing, you still may not get a hold for outcome.

The company may accept your payment, then failed to remove the collection accounts from your credit reports.

Unfortunately, you’ll no recourse if they don’t. Strictly speaking, pay-for-delete arrangements are not legally enforceable.

It may be that the company agrees to the arrangement solely for the purpose of getting you to pay the full balance due.

Sadly, this is basically the way things work with the collection industry.

4. Demand Deletion if Evergreen Professional Recoveries Can’t Fully Validate the Debt

Earlier we suggested using the debt validation as a basis for challenging the collection account based on missing or incorrect information.

But if Evergreen Professional Recoveries fails to provide the letter, or if it comes back without important information, you can legally challenge the validity of the claim.

Even if Evergreen Professional Recoveries doesn’t accept your challenge, you can open a dispute with the three credit bureaus, who will investigate your claim within 30 days.

If Evergreen Professional Recoveries similarly fails to provide complete information – or any information at all – the credit bureaus will delete the account from your credit reports.

Now while that will obviously improve your credit score, the debt may not go away.

Even if the credit bureaus do delete the account from your credit reports, Evergreen Professional Recoveries may not drop collection efforts against you.

It’s another example of an outcome that is not at all unusual in the collection’s universe.

Should that be the case, you may have no choice but to pursue legal action against the company. We’ll make a suggestion on that front. At the very end of this article.

5. Settle the Debt for Less than the Full Amount Owed

Even though many collection agencies will deny this reality upfront, the fact is settling collection accounts for less than the full amount is a very common way the debts are resolved.

The strategy will improve your credit score – apart from the fact that an open collection account will become a settled one – it will enable you to pay less than the full amount.

You’ll need to send Evergreen Professional Recoveries a letter proposing to settle the account for less than the full amount.

Start with no more than half the collection amount, or even less if you feel they may bite.

If they agree to the arrangement, they’ll come back with their own offer, which will be considerably higher.

You’ll negotiate back and forth, perhaps several times, until you reach a figure that’s mutually agreeable.

Once it is, insist Evergreen Professional Recoveries provide you with written confirmation of your agreement.

You must not send any money until you receive that agreement. If you do, Evergreen Professional Recoveries may accept your payment as a partial payment on the debt, then continue to pursue you for payment of the original amount.

It’s another of those unfortunate outcomes that are hardly unusual. When dealing with collection agencies.

And it’s another compelling reason why you may need to consider getting legal help in settling the account.

How an Evergreen Professional Recoveries Collection Can Affect Your Credit

You should be aware that a collection account can remain on your credit report for up to seven years from the time the account first became delinquent.

During that entire time, it will lower your credit score, though the impact will lessen over time.

But of equal concern is the possibility that a collection account on your credit report could prevent you from getting new financing, a new apartment, or even a job you were hoping to land.

An unpaid collection, particularly a large one, can be seen as confirmation of a lack of financial responsibility.

But the worst possible outcome is when a collection account becomes a judgment.

Should that happen, you’ll lose your ability to dispute the debt, and it will become a legal obligation.

The collection agency will then be able to take more drastic steps, like garnishing your wages until the debt is paid.

Bom/TCI-Tv

There are few things in this world quite as nerve-wracking as being pursued by a debt collector. If you’ve been getting calls from a company called Bom/TCI-Tv, you know exactly what I’m talking about.

You may think that the worst part of dealing with Bom/TCI-Tv is getting harassed and not being able to pay.

Unfortunately, there are also threats to your credit health when you are hounded by a debt collector.

Before they can legally ask you for money, Bom/TCI-Tv must first report the debt to all the major credit reporting agencies.

This will result in an entry on your credit report that will remain on your record for roughly seven years.

Collection accounts like this can mean trouble for your credit score. They can also pose a threat to any loans or credit cards that you plan to apply for in the future.

If you want to repair your credit, you’ll need to remove Bom/TCI-Tv’s account from your credit report.

Luckily, this will also solve the problem of their ceaseless calls and letters.

Keep reading for the full scoop on dealing with Bom/TCI-Tv.

What is Bom/TCI-Tv?

Bom/TCI-Tv is a legitimate debt collection agency that is headquartered in Sioux Falls, SD.

They may also appear on your credit report under the names TCI Solutions and Total Card, Inc.

Bom/TCI-Tv specializes in collecting small consumer loan debt.

You will probably hear from them if you’re having trouble repaying a small commercial or personal loan.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

Does Bom/TCI-Tv Have Any Complaints?

Bom/TCI-Tv, much like many other debt collectors, has a history of aggressive collection tactics, billing issues, and inaccurate data reporting.

This has resulted in a number of complaints being filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).

The most serious allegations are regarding Bom/TCI-Tv’s violation of the Fair Debt Collection Practices Act (FDCPA).

his is a law that protects you from debt collector mistreatment and must be followed by debt collectors when they are contacting you for payment.

If you believe that Bom/TCI-Tv, you should consider filing a complaint with the above bureaus.

You can also work with legal representation to try to win a settlement from them.

How to Deal with Bom/TCI-Tv

These are the basics for removing Bom/TCI-Tv from your credit report.

Request All Communication in Writing

When it comes to dealing with debt collectors, it is best practice to get all of your communication in writing.

This is a right that is afforded to you under federal law.

Specifically, the FDCPA allows you to request that Bom/TCI-Tv stop calling you and instead conduct all communication through certified U.S. Mail.

In addition to sparing your voicemail box, you will be doing yourself a number of favors by requesting written communication.

Getting letters instead of calls from Bom/TCI-Tv allows you to hold on to each correspondence for future reference.

You will also likely not receive the sort of abrasive language that can come with debt collector calls.

To request written communication from Bom/TCI-Tv, simply tell them that you would like to receive only written communication moving forward.

If they start to push back, tell them that they are in violation of the FDCPA and hang up.

Take Advantage of Your Section 609 Rights

You should also take advantage of your Section 609 rights when you’re dealing with Bom/TCI-Tv.

In the Fair Credit Reporting Act (FCRA), Section 609 states that all the information that a debt collector reports to credit bureaus must be timely and accurate.

Under this section, it also states that you are allowed to request that Bom/TCI-Tv send you the information that they are reporting.

This is how you can make sure that they aren’t reporting anything that is outright false.

So, what’s the catch? You only have thirty days to formal request that Bom/TCI-Tv sent you your account information.

You’ll need to act fast before the statute of limitations runs out.

To ask Bom/TCI-Tv to validate your debt, you will need to write a Section 609 letter.

This is essentially a tangible request for them to send you everything they have on your debt.

Once Bom/TCI-Tv gets your letter, they will need to gather your information and send it back to you within a month.

If they ignore your request, you can file a formal complaint with the CFPB.

Go through each page that Bom/TCI-Tv sends you carefully and mark any information that is incorrect.

They are required to reach out to the credit reporting agencies and remove the collection account from your credit report if anything doesn’t match up.

Get a Free Copy of Your Credit Report>>

Offer Payment in Exchange for a Deletion

Let’s say Bom/TCI-Tv is able to validate your debt. Now what?

You always offer to pay them for the debt under the condition that they delete their account from your credit report.

Known as a pay-for-delete agreement, this type of settlement is pretty common in the debt collection industry.

The agreement satisfies both parties because it restores your credit report to its pre-debt glory, and Bom/TCI-Tv still gets paid on the debt.

Nailing down a pay-for-delete agreement will take some negotiating on your part.

To kick things off, offer Bom/TCI-Tv half of the balance in exchange for a deletion.

This will give you some room to negotiate with the debt collector.

Go back and forth with Bom/TCI-Tv until you come to terms and conditions that work for both parties.

Before you make a payment, make sure that you get a signed contract or a letterhead that clearly states your agreement.

Bom/TCI-Tv should have their account deleted within about a month of receiving your first payment.

If they start dragging their feet, reach out and remind them that you have a written agreement stating their obligation to delete the account.

This should inspire them to get a move on.

Get Help Dealing with Bom/TCI-Tv

If you’d rather hand off Bom/TCI-Tv to a professional, you can always hire a credit repair company to handle the negotiations.

They will work directly with debt collectors and creditors to remove collection accounts and improve your credit score.

If you are looking for a quality credit repair company, look no further than Lexington Law.

They have over 28 years of experience with companies like Bom/TCI-Tv and have removed millions of collection accounts.

Ask Lex Law for Help

Do you have any tips for dealing with Bom/TCI-Tv? Let us know in the comments below.

Bank of America Collections

Are you having trouble paying back Bank of America for a loan or financial services? If so, you run the risk of having the debt moved to their Bank of America Collections team.

Having a debt move to collections can mean trouble for your credit score. They will report the debt to credit reporting agencies, which will result in a collection account on your credit report.

Collection accounts are dings on your record that show you have a history of failing to pay your bills.

They can remain on your report for up to seven years and may impede your ability to qualify for credit cards and loans – especially if your collection history is with a financial institution.

Bank of America Collections are an intimidating bunch, but you can remove their account from your record and stop their calls with a few simple steps.

About Bank of America Collections

Bank of America is obviously a name that rings a few bells.

They are a leading financial institution in the United States and offer a number of services, such as credit cards, loans, and investing.

The Bank of America collections team handles recovering assets on behalf of the entire operation.

You will hear from them if you have failed to make payments after a few warnings.

In addition to their in-house team, Bank of America has been known to use a law firm called Hunt & Henriques.

If you see Hunt & Henriques on your credit report, it is probably related to your Bank of America debt.

Does Bank of America Collections Have Any Complaints?

It shouldn’t surprise you that Bank of America Collections has a number of complaints against their team.

Bank of America’s use of aggressive collection tactics and inaccurate reporting have resulted in complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).

The major issue when it comes to Bank of America Collections is their infractions of the Fair Debt Collection Practices Act (FDCPA). We will discuss what the FDCPA is and how it protects you later on.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Deal with Bank of America Collections

Here is everything you need to know about dealing with Bank of America Collections.

Know Your Rights Under Federal Law

There are laws in place that dictate how a debt collector must engage with its customers.

As soon as you start getting calls from Bank of America Collections, you should get to know your rights under federal law.

They have to adhere to a number of guidelines when they contact you for a debt.

This includes refraining from profane or obscene language, calling during reasonable hours, and never contacting anyone except for you about your debt.

Commit some of the rights under laws like the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) to memory.

Keep them at the front of your mind when you communicate with Bank of America Collections representatives.

If they or their third-party collector violates any of your rights, you can report them to the CFPB.

You may also work with legal representation to collect damages for each infraction.

Ask for Validation on the Debt

One of your rights under federal law is the ability to ask a debt collector for validation on the debt.

Debt validation allows you to ensure that a debt collector isn’t reporting erroneous information about your debt to a credit reporting agency.

If they are, you can file a dispute and have the account removed from your record – without paying a penny to the collector.

Because Bank of America is the original creditor and therefore not sending information to a third-party agency, this likely won’t be as effective.

However, your right to debt validation still stands, so be sure to take advantage of it.

To ask for validation on the debt, send Bank of America Collections a letter formally requesting that they send you all the information they are reporting to credit bureaus.

Make sure you send this letter within thirty days of the first contact with them. Otherwise, they may not respond.

Bank of America Collections should send you proof that the debt is yours and that the information they are reporting is accurate.

If you find any discrepancies between what they send you and what is on your credit report, you can file a dispute.

This is a way that you can remove a collection account from your credit report and get out of paying a debt in one fell swoop.

Promise to Pay in Exchange for a Deletion

It’s unlikely that you’ll find anything amiss with your collection account entry if Bank of America is collecting it using their in-house team.

In that case, your next best bet is to promise to pay them in exchange for account deletion.

Collection accounts are bad news for your credit health. They can cause your score to drop as much as 100 points and continue to affect your score for as long as seven years.

In the event that you have to pay your debt, you should negotiate with Bank of America Collections to remove their entry from your credit report.

This will serve you in the long run and improve your chances to qualify for mortgages or other loans in the future.

Start by offering to pay half your balance in exchange for them to remove their account from your credit report.

They will likely balk at this offer, which means you’ll have to raise your offer. Go back and forth with them until you reach an amount at which they agree to remove their account.

Once they agree, have them send you a letterhead that explicitly states their promise to delete the account in exchange for payment.

Hang onto this in case they try to pull a fast one on you.

Bank of America Collections should remove their account within a month of receiving your first payment.

If they don’t, reach out to them and let them know that you have the agreement in writing.

Work with a Credit Professional

If going up against Bank of America Collections feels like facing off against Goliath, you can always work with a credit professional.

Credit repair professionals specialize in working with debt collectors on behalf of their customers.

They can identify and remove damaging accounts from your credit report so that you can start to repair your credit and boost your score.

There is a bunch of credit repair companies out there, and some are more effective than others.

Be sure to do your research on top companies before you hand over your money.

Ask Lex Law for Help

Conclusion

Dealing with Bank of America Collections is intimidating but not impossible.

The key to success is understanding the rules of engagement and how you are protected under the law.

If worse comes to worst, you can always work with a professional.

I recommend working with Lexington Law because of its stellar track record and amazing customer service.

Do you have any tips for dealing with a collections agency? Let us know in the comments section below.