Client Services is an independent third-party collection agency. If you are being contacted by them it is regarding repayment on a debt.
Who Is Client Services?
Client Services is headquartered in St. Charles, Missouri. They have been in business for over 25 years. According to their website they specialize in collections on the following types of debts:
- Student Loans
- And More
3 Steps to Deal With Client Services Inc.
1. Take Control Of The Situation
If Client Services is making harassing phone calls and being a general pest in your life. Then you should tell them to stop. According to the Fair Debt Collection Practices Act, debt collectors must comply with consumer requests for privacy and they also must stop contacting consumers when asked. This sure beats the never ending phone calls from unreasonable, obnoxious, and rude collection agents.
2. Check The Documentation
- What is the debt account they are contacting you about?
- Is it your debt?
- How old is the debt account?
One of the biggest and glaring violations that collection agencies regularly engage in is attempting to collect payment on debt accounts that have aged passed the statute of limitations. The majority of consumer debts, are only legally your responsibility for repayment for 7 years.
However collection agencies have been found to attempt to collect payment on debt accounts way beyond the statute of limitations. And worse they will also report bad credit on your credit report. It is important to know your rights when dealing with bill collectors.
3. Avoid A Lawsuit
It is reported that Client Services will file a civil lawsuit against some individuals for repayment of a debt. If they do not sue you. Then they will likely sell your debt account to another collection agency. This new debt collector will start contacting you for repayment, report more bad credit on your credit report, and they can sue you if they choose.
- Request Validation Of Your Debt Account
You should request that Client Services validate your debt before you discuss anything! This will require them to provide you legal evidence that they own your debt. And can collect payment on it. You can do this by sending a debt validation letter or you can hire a credit repair service to do this on your behalf.
- Negotiate A Settlement Agreement
If after all the steps above Client Services validates your debt account. Then it is time to negotiate a settlement payment. Often you can settle your debt account for just a fraction of the total balance due. To clarify, if Client Services is attempting to collect a $2,000 debt. You may be able to settle with them for only a $300 payment.
You should never pay the full balance! Collection agencies have gotten collection rights to your debt for just pennies on the dollar! It is essential that as part of your settlement agreement with Client Services, that they’ll agree to stop reporting your information to the credit bureaus.
This is how to get collections off credit report, after you make your payment. If you neglect to get this agreement, then after you make your payment the collection listing will be changed to a paid collection on your credit report. This is still a damaging listing and will not help build your credit.
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