If EOS CCA is on your credit report, it can be confusing and stressful to figure out why and how to remove them. That’s especially true if the negative item is due to credit reporting errors or identity theft.
Whether you believe you owe EOS CCA or don’t think the debt is legitimate, we’re here to help you remove them from your credit report as soon as possible. Contact us today to schedule your free case review.
Continue reading to learn everything you need to know about EOS CCA and how to deal with this debt collection agency. Get started now.
EOS CCA (formerly known as Collection Company of America) is a third-party debt collection agency licensed to operate throughout the U.S. Its parent company is International EOS Group. They’ve been in business since 1991 and are based out of Norwell, Massachusetts. EOS CCA collects debt for many types of companies in various industries.
While they’re not a scam, they have been accused of multiple violations of the FDCPA and FCRA. These accusations include allegations of debt harassment, inaccurate credit reporting, and aggressive debt collection tactics.
Further, according to the Better Business Bureau, they’ve received more than 200 complaints in the last three years. At 1.6 stars out of 5, their Google reviews aren’t much better.
That said, if you believe that EOS CCA has treated you unfairly or otherwise violated the law, you have rights. Reach out to us today to discuss the details of your case.
Suppose EOS CCA appears on your credit report for a cell phone account you never opened. In that case, it makes sense to contact them as soon as possible to learn more and rectify the situation.
That said, if you want to contact EOS CCA, there are a few ways you can do so. They include:
It’s essential to be mindful of what you say to EOS CCA via phone call or mail. That means you should avoid admitting to the debt, agreeing to payment plans, etc., until you know the full extent of what you owe and its legitimacy.
Additionally, getting any agreement made with EOS CCA in writing is essential. Otherwise, you’ll have no proof, which could result in paying more than you verbally agreed.
EOS CCA collects debt on behalf of clients in many industries, including healthcare, telecommunications, banking, student loan providers, and more. One of their most notable clients includes Verizon Wireless, but they collect for countless other entities.
If EOS CCA has contacted you, it’s essential to pull your credit report and ask them to verify the debt as soon as possible. They must remove the negative item from your report if the debt isn't legitimate.
EOS CCA may contact you for various reasons, including to collect a legitimate debt or to try to collect an illegitimate one. It is important to be aware of your rights when dealing with debt collectors in order to protect yourself:
It’s important to deal with the debt as soon as possible to prevent further negative impacts on your credit score.
Request that they verify the debt and ask them to stop contacting you if you believe this is the case.
Take legal action if they are contacting you excessively or using abusive language.
Dispute the debt in writing and ask for proof before making any payments.
Consulting with a qualified attorney can help ensure your rights are protected when dealing with EOS CCA. Contact us to speak with a proven FCRA lawyer today.
EOS CCA can’t garnish your wages without first obtaining a court order. However, they may be able to take legal action if you owe a significant amount of money. Additionally, as long as the debt is within the statute of limitations, you will still receive phone calls and mail from EOS CCA for the foreseeable future.
To remove information about a legitimate debt with EOS CCA from your credit report, the best solution is to pay off the debt. Once paid, EOS CCA should update your credit report accordingly.
However, if you don't believe you owe this debt or any part of it, you have the right to dispute it under the Fair Credit Reporting Act (FCRA). Contact one of the three major credit bureaus - Equifax, Experian, or TransUnion - and submit evidence to support your claim that you are not responsible for this debt.
If your claims are found valid, they will update your credit report.
Getting out of collections (for legitimate debt) without paying can be difficult, but it's possible. You can try negotiating a pay-for-delete agreement with EOS CCA. This means you offer to pay a portion of the debt in exchange for EOS CCA, removing the negative entry from your credit report. While not every other debt collector will agree to this, it's worth a shot.
Are you tired of the calls and negative items on your credit report? We understand. Whether you’ve been treated unfairly or you’re ready to settle your debt with EOS CCA, our FCRA attorneys are here to help. Get EOC CCA off your credit report as soon as possible - Contact us today to discuss the details of your case.