We Are all about You! The ones after that are situational, and you should follow the ones that are appropriate for your circumstances. How Long Does Negative Information Remain on My Credit Report? A lot of the time, debt collection agencies dont have adequate evidence, whether you owe the listed amount or not. Our Services A pay-for-delete request is different from a goodwill letter because it applies to debts that you havent yet paid off. Call (844) 977-3029 to find out how. If you feel like you might be in over your head, then seek professional assistance from a credit repair expert to remove Coast Professional collection items from your credit report. Box 2040. Were grateful for that trust, and we wont abuse it. Coast Professional Inc & IRS Collections The IRS works with private debt collection agencies such as Coast Professional Inc that work to collect payments from taxpayers. If you are under an active wage garnishment, then you need to have the garnishment lifted or judgment vacated before you can consolidate your loans. Here's our guide to the best private art collections to see in Berlin apartments. Coast Professional has been collecting outstanding federal student loan debt on behalf of the Department of Education since 2009, and their current contract runs through 2024. If you must deal with a debt collection agency on the phone, record them. Get a Free Consultation You may also not have to pay at all, and if any issues with the account exist you may have it removed all together (and never have to hear from them again). Heres a list of some of the nations most popular debt collectors that cause damage to your credit. You fill out our simple questionnaire and submit your other evidence. They specialize in collecting defaulted student loan debt for over 200 colleges and universities, the Department of Education, and local/state government agency debt (including municipalities or utilities). Another option that you have to postpone your student loan payments, is by deferring them. Coast Professional is a debt collection company, You may not have to pay your debt (paying it may hurt your score), Call now to find out how you can remove Coast Professional from your report - without paying your debt (potentially). To qualify, youll need to agree to an income-based repayment plan or make three consecutive, on-time, full monthly payments before consolidation. Call Lexington Law to learn how they can help you avoid lawsuits and remove derogatory marks from your credit history that will significantly improve your credit scores. They help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. You need to carefully weigh each option before deciding on the route that you will take to get your loans out of default and stop the wage garnishment. harass, oppress, or abuse false and highly misleading methods of collecting a debt If you've had a similar experience with Coast Professional Inc. then you have a potential case against them. Recycling collection for Monday, December 26 will be on Tuesday, December 27 along with regular Tuesday collection. Know Your States Statute of Limitations. If youve defaulted on your debts more than once or you owe a very large amount, then theres a chance that Coast Professional will accept less than the full amount you owe (a practice known as debt settlement). If you want to remove Coast Professionalfrom your credit report, write to their address: Box 1528. If youre looking for a reputable company to assist you with collection accounts and repair your credit, consider working with Lexington Law. We do not offer warranties for any products and services linked from this site and do not directly endorse any advertisements shown. However, bank account and credit card information should be kept private. We dont accept compensation in exchange for reviews or articles, and we dont directly sell any products or services ourselves. Most Town offices closed. If your outstanding debts were sent to Coast Professional but you later paid them off, you may be able to get the collection account removed from your credit report by asking for something called a goodwill deletion or goodwill adjustment. Careers at Coast If these hours are inconvenient for you, you may ask your Coast representative to contact you at a more convenient time. Its also quite possible that you will never hear from or have to deal with Coast Professional again. ConServe, Inc. P.O. Your collections still appears on your report for 7 years (from the date of first delinquency). If your loan becomes delinquent over 270 days, you are considered to be in default of your student loans and your loan service provider sends your loan to the collection unit of the Department of Education, known as the Default Resolution Group/Debt Management & Collections System. In some cases this means they purchased the debt from the original creditor (i.e. This can save you time and help you avoid the frustration of trying to remove their negative marks on your own. The Department of Education announced in 2021 that it was ending its contracts with most private debt collection agencies, including Coast Professional, and that going forward it would work with just five contractors (listed under Solicitation Documents and Contracts). 9 This means that Coast Professional may stop collecting federal student loan debt in the future, but for the time being, they might still contact you about an old debt. Get the latest business insights from Dun & Bradstreet. Coast Professional Inc. is a collection agency located in West Monroe, LA. Take a moment to fill out our Free Consultation Surveyat the bottom of this page! We've helped thousands of people fix their credit to get mortgages, auto loans, and so much more. What is defined as a Consumer Debt and what is not. To do this, send a goodwill letter to Coast Professional explaining the circumstances that led to your delinquency. You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). The toll-free telephone number is 800-231-0225 and the direct number is 318-807-4500. However, you should make sure to get the agreement in writing before you make any payments. Removing Coast Professional from your credit report may be possible if any information on the account is incorrect, error'd, or fraudulent, and is not (or cannot be) fixed in an appropriate amount of time. Box 2217 Waterloo, IA 50704 800-910-5837 Coast Professional, Inc. P.O. Individual results may vary. If youre not sure where to start, then check out the sample letters provided by the CFPB. negative items from their credit reports. 12. Debt Strategists is a private company and does not claim to be affiliated with any Federal, State, or Local Government agencies. In the other 15 states, you can record with the other partys permission. The debt collection agency is obligated to respond to your letter with verification of the debt. You can do things on your terms, but ignoring the situation will not make Coast Professional go away. Returns the exact phrase match within quotes. If your credit score is suffering as a result of Coast Professional debt, then dont worry. How To Get Student Loan Forgiveness For Police & Law Enforcement. When Coast Professional calls you, ask them to send a written notice detailing the debt theyre collecting, known as a debt validation letter, if they havent already. This can lead to multiple collections on your credit report for the same account. Coast Professional, Inc. is a debt collection agency located in Geneseo, New York. The only time this option is available to you is if your loans are in default. Have you recently checked your credit report only to find an unfamiliar company reporting negative information? Coast is a really great company, and I highly recommend working here. Credit Glory does not guarantee the permanent removal of verifiable tradelines or make promise(s) of any particular outcome whatsoever. 11, Once Coast Professional receives your debt verification letter, theyre also required by law to stop contacting you about your debt until theyve sent you evidence that you actually owe it. Student Loan Forgiveness Biden to Cancel More Loans. To begin negotiations, ask them to delete the account for 50% of the total balance. Our writers do not take FinanceJars relationship with its affiliates into consideration when writing their reviews and articles. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. If you still owe the debt and its too soon to get it removed from your credit report, youll probably have to pay it. Concerned that Coast Professional might be a scam? Find company research, competitor information, contact details & financial data for Coast Professional, Inc. of Geneseo, NY. Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The reason that you may see Coast Professional Inc appearing on your credit report is that you defaulted on a student loan. Coast Professional is a debt collection agency. Payday Loans The Good, The Bad and the Super Ugly. In 2015, this agency was one of 5 agencies that were fired by the Department of Education for violating consumer rights and providing misleading and deceptive information to collect on student loan debts. Send the collection agency a debt validation letter. In rare cases it may happen, but it is not the norm. In some cases this means they purchased the debt from the original creditor (i.e. The result? Address: 231 East Ave, Albion, NY 14411. People with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. They have helped many people in your situation. A review would mean a lot to us and takes less than 20 seconds. 1887 Whitney Mesa Dr Ste 2089, Henderson, NV 89014. Any derogratory mark under it's statute of limitations may severely impact your credit score. You have to reapply after 12 months, however, you can do this over the phone with your loan service provider. The business category is MERCANTILE AGENCY OR COLLECTIONS AGENCY. Industry: Financial Transaction Processing. CBE Group, Inc. PO Box 2217 Waterloo, IA 50704 800-910-5837. Alternatively, you can just speak to someone from Coast Professional over the phone. 2009105708. Business Name. This is a Private Collection Agency (PCA) used for debt recovery. She has more than 24 years of experience . The license creation date is August 26, 2013. Coast Professional continues to call and attempt to collect a debt. If your loans are set to a collection agency and you are considered to be in default, you are no longer eligible for deferment, forbearance, or Income-driven repayment plans. Because Performant and Pioneer will no longer collect tax debts, due to the expiration of their contracts with the IRS, the IRS recalled 1,255,541 accounts that had been assigned to them. Dont believe what they say. A collections account is no different. The private collectors will identify themselves as contractors collecting taxes on behalf of the IRS. Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you can show that the debt collection company has violated your rights under the FDCPA, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that youve sustained as a result of their violation. Box 425 Geneseo, NY 14454 888-928-0510 ConServe P.O. However, it doesnt cost you anything, so theres no reason not to try. These options are described further down in this article. All rights reserved. You can do this electronically or by writing a check addressed to the U.S. Treasury. document.getElementById( "ak_js" ).setAttribute( "value", ( new Date() ).getTime() ); Your information is kept 100% confidential. What is the Telephone Consumer Protection Act? Be especially cautious of anyone asking you to pay a debt that you dont recognize (or that you believe you already settled), and be sure to ask questions during the call to verify their affiliation with Coast Professional. Currently, only the following three agencies collect debts on behalf of the IRS: Although a Coast Professional representative will be the one to contact you about your account, you should always make your payments directly to the IRS. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.If you're looking for a reputable company to increase your credit score, give us a call @ (844) 977-3029. The less they know about you, the better. ConServe PO Box 307 Fairport, NY 14450 844-853-4875. You likely want to call Credit Glory, first (844) 977-3029. And making payments on the debt will reset the clock. You can exercise your rights under the FDCPA, which includes requesting the validity of the debt or submitting a request in writing informing them to refrain from corresponding with you. There's one problem. You can then reply with a debt verification letter, which requires them to provide evidence of your debt. I have been in this industry for 20 years and have found that Coast Professional Inc., is a fantastic company to work for. All information is presented without any warranty or guarantee to you. Cons. They are a debt collection agency founded in 1976, headquartered in Geneseo, NY. Therefore, if you default on these loans a second time, you will need to consider other routes to take to get out of default. Do not make payments to any non-IRS accounts. Its also an easy way of figuring out if the debt collector is a scam agency. If you dont, it might be a scam. Your guide to everything personal finance. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more. Phone number for consumer debts: 1-866-895-4766. In addition to debt collection, Coast Professional also provides call center services to clients. Business ProfileCoast Professional, Inc. Lawsuits and wage garnishment are possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. Coast Professional is a debt collection agency, which means they collect severely delinquent debts that have been transferred or sold. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles. A standard settlement offer will waive collection fees and sometimes some of the interest, but according to documents from the US Department of Education, it cant waive more than 10% of the actual loan amount (the principal). 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