If you live in the tidewater region (NC,SC,VA), you most likely know who I am talking about. SCA Collections, located in Greenville, NC is known as a medical debt collector. You will notice they tend to just magically show up on your credit report for a medical debt that you don’t remember. If they are reporting on your credit reports, we can help!
Will SCA Collections Do Pay For Delete?
Your mileage may vary if you attempt to negotiate with SCA Collections. We have seen many credit reports in the area with credit reports that show paid off collections on credit reports. Even if the collection is paid, it is still damaging to your credit reports
This tells me that SCA does not have an automatic policy to delete their credit reporting if you pay them. Starting in July 2022, the credit bureaus will no longer report paid collections which is great news for consumers, but what do you do until then? What about past paid collections? If you call SCA Collections, or answer your phone, I highly recommend recording the conversation. Due to varying state laws regarding recording, always disclose you are recording. You can do that when they tell you the call is being recorded, you can simply say “likewise”. I say this because if you ask for deletion in exchange for payment, if they make promises to delete the credit reporting, you will have it on record. Also ask for their promise IN WRITING! This way if they fail to do as they promise, you can file a small claims lawsuit on them. If you still have SCA Collections reporting your paid off collection, or you need advice to negotiate a pay for delete, contact us for a Free Consultation.
What Should I Do If SCA Collections Sends Me A Letter Or Calls?
My advice for anyone who receives any collection call or letter is to SAVE or RECORD EVERYTHING! There is a chance SCA Collections is violating your rights under the FDCPA (Fair Debt Collection Practices Act). If SCA has violated the FDCPA, you may be entitled up to $1,000 per violation. At Credit Wellness Solutions, we specialize in auditing and identifying FDCPA violations. Our Debt
Collection Audit Service can help you find out if they are or have violated the FDCPA, and our network of consumer protection attorneys can help you hold them accountable, and pay you up to $1,000 per violation. Wouldn’t it be nice if SCA Collections paid you instead of you paying them?
How To Get SCA Collections Removed From Your Credit Report
Sometimes, disputing the debt with SCA Collections is enough for them to return the collection to the original creditor and get it removed from your credit report. In prior experience, SCA tends to remove smaller debts, but stays hard on the larger debts. Of course, each person’s situation is different,
your mileage may vary. If you are disputing the debt yourself I have one piece of advice that will help tremendously, ALWAYS SEND DISPUTES CERTIFIED MAIL WITH RETURN RECEIPT! I cannot emphasize that enough. If you send your dispute regular mail and you decide to pursue legal options, SCA Collections can claim they never received your letter, certified mail proves they did indeed receive your letter which removes any speculation, and helps solidify your case against them. With our credit repair program, or debt collection audit service we can help you get SCA Collections off of your credit report. If you elect, our debt collection audit service is included with all of our credit repair plans. We have many flexible options. You can choose between monthly service and pay per delete service, choose payment options both are the safety and security of escrow, choose Credzu or escrow.com. Both will not pay us until we have preformed our services, Credzu goes deeper because we have to prove it before they pay us.
What If There Are No Violations, Or They Are Still On My Credit Reports After Disputing?
Unfortunately, you cannot win them all. There is only one guarantee with the credit repair process (hired or self help), is that there are no guarantees. Not all collectors violate the FDCPA 100% of the time, or have errors in credit reporting. You may have to pay the collection to get it removed. You can either try to settle the debt, or pay the collection here are some options to help.
- Negotiate A Settlement In Exchange For Deletion – You can try to settle for less than full balance. However, the likelihood of negotiating a deletion in addition to a settlement is much slimmer. Be sure to record your interaction (with proper disclosure) and get any promises IN WRITING.
- Pay For Delete – As mentioned above, record and get your promises IN WRITING. I can’t stress that enough. A lot of debt collectors will work with you, of course they will. You are paying them after all. Pay for Delete certainly a popular option but the next option is even better.
- Cash To Delete – This option isn’t available in every state, but fortunately we are talking about a North Carolina debt collector, and chances are, you are from North Carolina. So cash to delete leverages the a check’s memo line as a legal contract. As long as the debt has been disputed you can use this tool. Here’s how it is done: First thing to do is PAY IN FULL, if you write your check for less, chances are it will not be cashed. We recommend using a cashier’s check from your financial institution as they are easily traceable. Write a letter stating you are paying your account in full today in exchange for deletion from the credit report, by cashing the check they are agreeing to the terms. On the check’s memo line write “Payment in FULL, Delete Account from credit reports”. Send the letter CERTIFIED MAIL return receipt. After receipt if the check is cashed pull your credit reports 45 days after receipt. If the tradeline is still there then you can file a small claims lawsuit.
Final Thoughts
Ultimately, SCA Collections is a hard read. We have seen deletions on simple requests for information, to reporting paid collections. So, there is no set method, or pattern in how they respond when pressed. However, we at Credit Wellness Solutions had had some great luck getting deletions from them. If you have SCA Collections on your credit reports,
and you would like assistance, schedule a Free Consultation. We would love the opportunity to help you clean SCA Collections, and other items off your credit reports. We can also audit them with our Auditing Service. Why pay them when they could pay you? Regardless, we can help you get SCA Collections off your back, stop harrassing phone calls, etc. A little persistence can go a long way. Feel free to comment, or contact us with any question, we love helping people achieve their credit goals!
