What Is PCA Acquisitions v LLC On My Credit Report?
PCA Acquisitions v LLC is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.
Is PCA Acquisitions v LLC A Debt Collection Agency?
Yes, PCA Acquisitions v LLC is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").
PCA Acquisitions v LLC may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.
But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.
Who Does PCA Acquisitions v LLC Collect For?
PCA Acquisitions v LLC purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.
Does PCA Acquisitions v LLC Hurt My Credit Score?
Yes, it is highly likely having PCA Acquisitions v LLC on your credit report is damaging your score significantly.
How to prevent PCA Acquisitions v LLC from appearing on your credit report
If you want to avoid having debt sold to collection agencies like PCA Acquisitions v LLC appear on your credit report, there are several steps you can take. Maintaining a good credit score requires taking proactive steps to ensure bills are paid on time and that any inaccurate information is corrected. Late payments can land debts in collections, so be sure to pay all accounts by their due date. If experiencing financial hardship, contact creditors immediately - they may offer payment plans or other assistance programs. Moreover, check your credit report for inaccuracies and dispute them with the relevant bureaus if needed.
What to do if PCA Acquisitions v LLC sues you
It's essential to be informed when confronted with a summons or legal notice from PCA Acquisitions v LLC. Taking appropriate action is the best way to protect your rights - consider these steps for guidance:
- Review the summons or legal notice: PCA Acquisitions v LLC may have issued you a summons or legal notice - make sure to examine it with care. This is essential for understanding the lawsuit, as well as what funds they are attempting to recover from you.
- Know the statute of limitations: Make sure to know the statute of limitations for a lawsuit in your state. This is how much time creditors and collectors have until they are barred from taking legal action against you. If that period has passed, it could provide strong defense if faced with such a situation.
- Negotiate a settlement: Avoid legal action by negotiating a payment plan with PCA Acquisitions LLC. Make sure to document the agreement in writing for best results.
- Defend yourself in court: In the event that you need to appear in court, ensure all responses and submissions are delivered promptly. Seeking counsel could also be beneficial in achieving a favorable outcome.
How Do I Remove PCA Acquisitions v LLC From My Credit Report?
To be eligible to remove PCA Acquisitions v LLC from your credit report, you typically need to meet the following requirements:
- Any information on the account is incorrect
- Any information on the account is error’d
- Any information on the account is fraudulent
- And is not (or cannot be) fixed in an appropriate amount of time
According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.
Should I Pay For Delete With PCA Acquisitions v LLC?
Paying off PCA Acquisitions v LLC to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.
Should I Negotiate A Settlement With PCA Acquisitions v LLC?
Settling your debt with PCA Acquisitions v LLC could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).
Is PCA Acquisitions v LLC Legit, Fake Or A Scam?
PCA Acquisitions v LLC is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.
Why Do PCA Acquisitions v LLC Keep Calling Me?
PCA Acquisitions v LLC continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).
How To Get PCA Acquisitions v LLC To Stop Calling Me?
As we’ve mentioned above, PCA Acquisitions v LLC will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.
PCA Acquisitions v LLC Reviews And Complaints
PCA Acquisitions v LLC has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will PCA Acquisitions v LLC Try Suing Or Garnishing My Wages?
PCA Acquisitions v LLC suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.
We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.
Does PCA Acquisitions v LLC Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, PCA Acquisitions v LLC does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With PCA Acquisitions v LLC?
You have the right to dispute any of your debt that PCA Acquisitions v LLC has purchased. PCA Acquisitions v LLC is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.
What Is PCA Acquisitions v LLC Phone Number?
You likely want to call Credit Sage before deciding whether or not to call PCA Acquisitions v LLC. The reason? You may not want to pay PCA Acquisitions v LLC debt, especially if it's inaccurate. Paying it off could hurt your score.
Get PCA Acquisitions v LLC Removed From Your Report, Today!
In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.