Who is D&A Services, LLC?
D & A Services, LLC is a debt collection agency located in Des Plaines, Illinois. They specialize in collecting the postdate types of debt :
- auto deficiencies
- bank card
- DDA overdraft
- student loan
You may see them listed on your credit report as a collections bill. This can happen when you forget to pay a circular .
How can I remove D&A Services from my credit report?
Collections can hurt your credit rating score and remain on your credit report for up to seven years careless of whether you pay it or not. unfortunately, paying the solicitation could even lower your citation mark .
however, it is possible to remove a collection report from your credit history before seven years.
( Debt collectors prefer that we didn ’ thymine order you this, but it ’ randomness something you should know. )
Lexington Law fast is a credit repair ship’s company that helps people fix their credit .
In addition to collections, Lexington Law can besides help you remove early inaccurate data such as inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, liens, and bankruptcies from your credit report .
Call Lexington Law now to learn more: (800) 220-0084
D & A Services, LLC
1400 E Touhy Ave, Ste. G2
Des Plaines, IL 60018
Website: hypertext transfer protocol : //dnasllc.com
Phone number: ( 877 ) 314-4308
Nothing dear can come from contacting a collection agency like D & A Services, LLC. And making payments on the collection explanation will reset the clock. So alternatively of helping your credit, it could make it worse. Of course, there are times when it ’ sulfur best to just pay the collection account, particularly if it ’ mho new and you ’ rhenium certain that it ’ sulfur legit .
The best way to handle this is to work with a master recognition haunt service. They have deleted millions of minus items from companies like D & A Services, LLC for millions of clients countrywide .
And they can help you besides .
Will D&A Services, LLC sue me or garnish my wages?
When attempting to collect a debt, it ’ s potential that D & A Services, LLC will sue you, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account and possibly remove it from your credit report. It ’ second besides quite possible that you will never hear from or have to deal with D & A Services, LLC again .
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will importantly improve your credit scores .
Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow engage garnishment, it is illegal for a debt collector to threaten to garnish your wages .
It is besides illegal for D & A Services to make any claims they can not or will not follow through on – this includes threatening to sue you or foreclose on your home plate .
D&A Services, LLC Complaints
Most solicitation agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ). Most consumer complaints are about inaccurate report, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Lexington Law firm knows that you have rights, and D & A Services, LLC does excessively .
How Collections Affect Your Credit
miss payments over respective months will cause a hit to your credit score. With a collection account on your credit report, it will reduce your ability to qualify for new credit flush more .
debt collectors often buy and sell debt from one another, so this can lead to multiple collections showing on your credit rating reports for the lapp account .
When this happens, if you don ’ t dispute the accounts with the citation chest of drawers and get them all removed, they will harm your credit seduce .
Your Rights When Dealing with D&A Services
There are hard-and-fast regulations about what a debt collector can and can not do in the United States. For case, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don ’ t take advantage of you. In particular :
- It is a violation of federal law for D&A Services to report inaccurate or incomplete information on your credit report.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- D&A Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- D&A Services must be honest about who they are and what they are attempting to do. They must notify you that they are a collection agency both orally and in writing.
- D&A Services cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
More Tips on Dealing with D&A Services
Avoid the phone. NEVER spill to a debt collector on the telephone. The less they know about you, the better .
politely tell them it ’ second your policy to deal with everything in writing. Request a letter with the original debt information and then hang up. If they keep calling, send them a discontinue & abstain letter .
Record their phone calls. If you must deal with a debt collection representation on the call, record them. thirty-five states and the District of Columbia allow you to record your telephone conversations secretly .
In the early 15 states, you can record with the other party ’ south permission. If you tell the debt collector you are going to record, and they keep talking, that ’ s considered giving license. They will normally hang up .
Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt .
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. however, it ’ south besides good to avoid giving access to your bank account or credit card information .
Don’t apply for new lines of credit. It ’ randomness besides considered deceitful to apply for newly lines of credit if you are ineffective to pay your current creditors .
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make them go away. Ignoring them sets you up for a potential lawsuit .
Know Your State’s Statute of Limitations. Each state has a legislative act of limitations on debt. once your debt reaches a sealed age, it is considered “ zombi debt, ” and you are no longer legally obligated to pay it. The historic period terminus ad quem varies from state to state, but it ’ mho typically around 4-6 years .
A solicitation agency is still allowed to contact you about these debts, but they can no retentive sue you for them, and you are not required to pay them .
Remove D&A Services from Your Credit Report Today!
Lexington Law specializes in disputing D & A Services collection accounts. They have over 18 years of know and have removed over 7 million damaging items for their clients in 2020 alone.
If you ’ ra looking for a reputable company to help you with collection accounts and repair your recognition, we highly recommend Lexington Law .
Call them at ( 800 ) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your birdcall .