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What is AWA Collections, and Why Is It On My Credit report?

Last updated 07/03/2024 by

Silas Bamigbola

Edited by

Fact checked by

Summary:
AWA Collections is a debt collection agency that may impact your credit score by reporting collection accounts. This article covers who they are, how they operate, and the steps you can take to remove them from your credit report. It also explores your rights and options when dealing with AWA Collections.
Dealing with AWA Collections on your credit report can be stressful and challenging. However, understanding who they are and how to handle them can significantly ease the process. This article will provide you with a comprehensive guide on AWA Collections, including how they operate, your rights, and effective strategies for removing their entries from your credit report.

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Who is AWA Collections?

AWA Collections, also known as Adler Wallach & Associates, Inc., is a debt collection agency that buys and collects debts on behalf of various creditors. These debts may include unpaid credit card bills, loans, medical bills, and other types of unpaid debts. They either purchase the debt at a fraction of the original amount or are hired to collect the debt for the original creditor.

How does AWA Collections affect your credit score?

When AWA Collections reports a collection account on your credit report, it can significantly lower your credit score. Collection accounts are considered derogatory marks and can stay on your credit report for up to seven years from the date of the first delinquency. This can make it challenging to get approved for new credit, loans, or even rental agreements.

Pro Tip

Regularly check your credit report to catch any errors or unfamiliar accounts early.

Steps to remove AWA Collections from your credit report

Verify the debt

The first step in disputing a collection account is to verify that the debt is legitimate. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request debt validation of the debt. This means that AWA Collections must provide evidence that you owe the debt and that they have the right to collect it.

Dispute any inaccuracies

If you find any inaccuracies or errors in the debt information, you can dispute the account with the credit bureaus. According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes. Disputing these errors can lead to the removal of the collection account from your report.

Negotiate a pay-for-delete agreement

A pay-for-delete agreement involves negotiating with AWA Collections to remove the collection account from your credit report in exchange for payment. While not all collection agencies agree to this, it’s worth trying as it can improve your credit score by removing the derogatory mark.

Seek professional help

If you find it challenging to deal with AWA Collections on your own, consider seeking help from a credit repair company. These professionals can guide you through the process and may have better success in negotiating the removal of the collection account.

Should you pay AWA Collections?

Paying off a collection account may not always be the best option. While it may stop the collection calls, the account will still appear on your credit report as “paid,” which doesn’t remove the negative impact. Instead, consider negotiating for the account’s removal or disputing any inaccuracies.

Pro Tip

Before making any payment, get any agreement in writing to ensure it is legally binding.

Is AWA Collections a legitimate company?

Yes, AWA Collections is a legitimate debt collection agency. They are registered and follow the regulations set by the FDCPA. However, they may use aggressive tactics to collect debts, which can sometimes border on harassment. It’s essential to know your rights and how to handle their communication.

What are your rights?

As a consumer, you have several rights when dealing with debt collectors like AWA Collections. These rights are outlined in the FDCPA and the Fair Credit Reporting Act (FCRA). Some of these rights include:
  • The right to request debt validation
  • The right to dispute inaccurate information
  • The right to be free from harassment and abuse
  • The right to receive accurate and complete information about the debt

How to handle communication with AWA Collections

If AWA Collections contacts you, it’s crucial to handle the communication carefully. Here are some tips:
  • Keep records of all communication
  • Request all correspondence in writing
  • Do not admit to owing the debt until it is validated
  • Consider sending a cease and desist letter if the calls become harassing

Pro Tip

Use certified mail with a return receipt when sending letters to debt collectors.

Request all correspondence in writing

Ensuring a documented record of communications with AWA Collections is crucial. Request all correspondence in writing to maintain accurate records of your interactions. This not only helps in tracking your communication but also provides evidence if any disputes arise.
Contact AWA Collections at the following address:
AWA Collections contact information
1045 W Katella Ave, Ste 230,
Orange, CA 92867-3561
Ph# +1 888-771-3690

How to file a complaint against them

If you believe AWA Collections has violated your rights or engaged in unfair practices, you can file a complaint against them. There are several avenues for filing complaints:
  • Consumer Financial Protection Bureau (CFPB) – The CFPB handles complaints against debt collectors and can help mediate issues.
  • Federal Trade Commission (FTC) – The FTC enforces the FDCPA and investigates complaints about debt collection practices.
  • State Attorney General’s Office – Your state’s Attorney General can also handle complaints against debt collectors operating within the state.
File your complaint with the appropriate agency to seek resolution and potentially stop unfair practices.

Understanding your rights under the FDCPA and FCRA

Knowing your rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) can empower you when dealing with debt collectors. These acts provide protections against harassment, ensure accurate reporting, and give you the right to dispute and validate debts.

Steps to take if AWA Collections violates your rights

If AWA Collections violates your rights, such as by engaging in harassment or reporting inaccurate information, you have several options. Document the violations, contact a consumer protection attorney, and consider filing complaints with the CFPB, FTC, and your state’s Attorney General. Taking these steps can help you protect your rights and hold the debt collector accountable.

Alternative solutions to dealing with AWA Collections

Aside from disputing the debt or seeking professional help, there are alternative solutions to consider when dealing with AWA Collections. These include requesting a debt verification letter, negotiating a settlement, and considering bankruptcy as a last resort. Each option has its own implications and should be considered carefully based on your financial situation.

Frequently asked questions

Does AWA Collections hurt my credit score?

Yes, a collection account from AWA Collections can significantly impact your credit score, especially if it is recent and within the statute of limitations.

Should I negotiate a settlement with AWA Collections?

Negotiating a settlement can sometimes help, but it depends on your specific situation. It’s often better to try and get the account removed entirely rather than just marked as paid.

Can AWA Collections garnish my wages?

While it’s uncommon, AWA Collections may sue you for the debt, which could lead to wage garnishment if they win the lawsuit. However, this is usually a last resort.

Can I remove AWA Collections by sending a goodwill letter?

Goodwill letters are generally not effective with collection agencies. They are more commonly used with original creditors to remove late payments as a gesture of goodwill.

Key takeaways

  • AWA Collections is a legitimate debt collection agency that can impact your credit score.
  • You have the right to dispute inaccurate information and request debt validation.
  • Consider negotiating a pay-for-delete agreement to remove the collection account from your report.
  • Seek professional help if you find it challenging to handle AWA Collections on your own.
  • Know your rights under the FDCPA and FCRA to protect yourself from unfair practices.

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