What Is Peter Roberts And Associates On My Credit Report?
Peter Roberts And Associates 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 Peter Roberts And Associates A Debt Collection Agency?
Yes, Peter Roberts And Associates 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").
Peter Roberts And Associates 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 Peter Roberts And Associates Collect For?
Peter Roberts And Associates 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 Peter Roberts And Associates Hurt My Credit Score?
Yes, it is highly likely having Peter Roberts And Associates on your credit report is damaging your score significantly.
Understanding the Statute of Limitations for Debt Collection
When it comes to debt collection agencies like Peter Roberts and Associates, it's critical to understand the statute of limitations for debt collection in your state. This sets a time limit on how long a creditor or debt collector can legally pursue you to pay the debt. Once that time has passed, the debt is regarded as 'time-barred' and they can no longer lawfully take legal action against you.
It's important to remember that the statute of limitations differs between states and types of debts. In some states, the statute of limitations can be as brief as three years while others may extend up to ten years in length. If you're uncertain about the limits in your state, make sure to consult with a professional to find out what rights and options you have when dealing with debt collectors like Peter Roberts and Associates.
The Importance of Monitoring Your Credit Report
Keeping a close eye on your credit report is an essential part of managing your finances and safeguarding yourself from debt collectors such as Peter Roberts and Associates. Your credit report holds significant information about your credit activity, including your credit accounts, payment history, and any collections accounts that could be listed.
By monitoring your credit report frequently, you can keep tabs on any shifts or updates to your credit history including any new collections accounts that might have been entered. If you spot any inaccuracies or errors on your credit report, it's vital to dispute them with the credit reporting bureaus and work towards rectifying them right away.
By taking proactive steps to monitor and manage your credit, you can protect yourself from the negative effects of debt collection agencies like Peter Roberts and Associates and maintain a healthy credit score and financial stability.
How Do I Remove Peter Roberts And Associates From My Credit Report?
To be eligible to remove Peter Roberts And Associates 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 Peter Roberts And Associates?
Paying off Peter Roberts And Associates 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 Peter Roberts And Associates?
Settling your debt with Peter Roberts And Associates 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 Peter Roberts And Associates Legit, Fake Or A Scam?
Peter Roberts And Associates 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 Peter Roberts And Associates Keep Calling Me?
Peter Roberts And Associates 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 Peter Roberts And Associates To Stop Calling Me?
As we’ve mentioned above, Peter Roberts And Associates 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.
Peter Roberts And Associates Reviews And Complaints
Peter Roberts And Associates has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Peter Roberts And Associates Try Suing Or Garnishing My Wages?
Peter Roberts And Associates 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 Peter Roberts And Associates Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Peter Roberts And Associates does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Peter Roberts And Associates?
You have the right to dispute any of your debt that Peter Roberts And Associates has purchased. Peter Roberts And Associates 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 Peter Roberts And Associates Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Peter Roberts And Associates. The reason? You may not want to pay Peter Roberts And Associates debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Peter Roberts And Associates 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.