Since 1976, we have worked to perfect both the art and science of student loan and government-related collections and we understand the difficulty in managing your past due receivables. However, you still need to make your remaining 4 payments to avoid further repercussions. You can write a credit dispute letter to Experian, Equifax, or TransUnion to delete the collection account from your credit report if you believe your debt went into default by mistake. We were notified by letter that our account had a past due balance with the IRS (2019). We're here to help. 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. However, dont expect to have most of your debt written off. Box 307 Fairport, NY 14450 In some cases this means they purchased the debt from the original creditor (i.e. You have the right to dispute any debt of yours that Coast Professional is trying to collect. We make money through advertising. The reason that you may see Coast Professional Inc appearing on your credit report is that you defaulted on a student loan. They are contracted by the Department of Education to collect on defaulted student loan debt. Coast provides professional collection services to over 200 campus-based colleges, universities and government clients. If you are dealing with credit and debt issues, you should contact a local attorney regardless of your use of our service. Box 307 Fairport, NY 14450 844-853-4875 Pros. Alternatively, you can just speak to someone from Coast Professional over the phone. Student loan rehabilitation is a government program thats designed to help you get out of default. Debt Strategists is a private company and does not claim to be affiliated with any Federal, State, or Local Government agencies. You may not want to pay Coast Professional debt, especially if it's potentially inaccurate. A review would mean a lot to us and takes less than 20 seconds. 2022 ONR Financial Networks LLC All Rights Reserved. We have found cases against them for violating the Fair Debt Collections Practices Act. We invite you to contact us and welcome your calls, letters and electronic mail. Coast is a six-time honoree on the Inc. 5000 list for America's Fastest-Growing Private Companies provided by Inc. magazine and, in 2019, was recognized for the fourth time as one of the Best Places to Work in Collections by . Unlike loan rehabilitation, loan consolidation wont remove the default status from your credit history. However, we strongly recommend giving a Credit Repair company (like us), a call first. In some cases this means they purchased the debt from the original creditor (i.e. Coast Professional, Inc. 4273 Volunteer Rd Geneseo, NY 14454 Phone number: (800) 231-0225 Should I contact or pay Coast Professional, Inc.? Debt collectors must abide by state and federal laws in the United States. Call (844) 977-3029 to find out how. The Private debt collectors (PDC) contact taxpayers on behalf of the IRS and collect defaulted tax amounts. We dont accept compensation in exchange for reviews or articles, and we dont directly sell any products or services ourselves. Effective September 23, 2021, taxpayers may be contacted by the following private collection agencies (PCAs): CBE P.O. 8 am to 9 pm EST, Fridays 8 am to 4:30 pm EST, Website:http://www.coastprofessional.com/. Bear in mind that debt settlements still hurt your credit score, and like most other negative marks, theyll remain on your credit report for up to seven years. Your guide to everything personal finance. 13. Are you receiving phone calls from unknown numbers, wondering why you are receiving these phone numbers? Qualifying events that make you eligible for this option include the following: These are payment plans set by your income, and in some cases could be as low as 0$ per month. If you want to remove Coast Professionalfrom your credit report, write to their address: The links to our partners are always clearly marked. Founded in 1976, Coast Professional, Inc. is an accounts receivable management company that provides debt collection services for government and educational institutions. That said, theres still no harm in trying. Coast Professional, Inc. P.O. Phone number for consumer debts: 1-866-895-4766. Coast Professional, Inc (License# 1472229) is a business licensed with City of New York, Department of Consumer Affairs (DCA). In accordance with the FDCPA, all debt collectors are required to send this letter within 5 days of first contacting you. Company - Private. Account Password. The longer you wait to handle; the late payments or non-payment of student loan debt, the fewer options that you have available to you. Like other types of debt consolidation, student loan consolidation involves taking out a new loan to repay your debts. Photography: via Art Berlin. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid'. They buy debt from a number of different creditors that have given up on trying to collect the amount themselves (sometimes referred to as a "charge-off"). A statement informing you of your right to dispute the debt within 30 days of receiving their letter, A statement informing you that if you dispute the debt in writing, they must mail you evidence of the debt within the 30 days, A statement informing you that within 30 days after youve received the letter, you can send them a written request to provide the name and address of the original creditor, Call you at night (before 8 am or after 9 pm, your time), Call you at work if you tell them you cant receive calls at work, Make automated calls or send pre-recorded messages telling you to make payments, Contact any third party, including your family, friends, or coworkers, to discuss your debt, Intimidate you or threaten to harm you, sue you, arrest you, or damage your credit, Lie about your debt and try to collect more than you owe, Accuse you of breaking the law or claim that not paying might result in jail time (, Tell Coast Professional to stop calling you, Negotiate for pay for delete or a debt settlement, An explanation for why your payments were late, Records demonstrating that you usually pay your other debts on time, Examples of how the negative mark is affecting your life, such as making it difficult for you to take out a mortgage. However, sometimes its better just to pay the collection account, especially if its new, and youre certain that its legit. Working on the agency's behalf under its Private Debt Collection program, Coast maintains a strict compliance program to provide quality service, fair treatment, and adhere to all taxpayer rights. Address: 231 East Ave, Albion, NY 14411. Note: Even if Coast Professional is collecting taxes that you legitimately owe, your unpaid taxes wont affect your credit score (unlike other debts that you might owe to Coast). Coast Professional is a debt collection agency. ConServe Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Is the Credit Scoring System Rigged, Unfair, and Biased? ConServe P.O. You have to reapply after 12 months, however, you can do this over the phone with your loan service provider. That have had complaints and lawsuits out of the United States District Court. The United States has laws against debt collectors harassing you. In addition, the FDCPA provides you with many rights to ensure that collection agencies dont take advantage of you. To support our work, we are paid for providing advertising services. The collection agency will contact you to notify you of your options before a garnishment starts. You may see them listed on your credit report as a collections account. The only time this option is available to you is if your loans are in default. We are also active in multiple trade associations including the Florida Collectors Association, HFMA, and others. 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. The answer depends on many variables. College and University Division Coast Professional, Inc, P.O. Lexington Law is a professional credit repair company that helps people fix their credit. Getting this account removed may be possible. This agency has been known to mislead consumers and use abusive and threatening collection practices when attempting to collect debts. How to file a complaint against Coast Professional, How to get Coast Professional off your credit report, student loans can affect your credit score, report them to the Federal Trade Commission, filing a complaint on the Better Business Bureau (BBB) website, get their collection accounts off your credit report, IRS: New contracts awarded to private collection agencies; taxpayers may be contacted by one of three groups, Private Debt Collection Frequently Asked Questions, Indefinite Delivery / Indefinite Quantity (IDIQ) Contract, If you default on your federal student loan, the loan may be placed with a collection agency, which will then contact you to obtain payment, Biden Administration to Cut Ties With Debt Collectors for Student Loans. You have a legal right to request debt validation on an alleged debt. They must notify you that they are a debt collection agency both orally and in writing. Let us know what you think. This is usually only an option if youve already paid the debt in full, and its more likely to work if your missed payments were caused by something outside your control like an unexpected layoff or expensive medical bills. We know that taking financial advice from us requires a lot of trust on your part. Before choosing any financial product, read the terms and conditions from the financial service provider. Dont want to wait? 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. How to tell if a debt collection notice from Coast Professional is a scam If a debt collection agent calls you, you should receive written confirmation immediately afterward. The first step is to use a pay-for-delete letter template to draft your letter and send it to Coast Professional. Coast Professional cannot threaten to have you arrested or imprisoned over unpaid debts. The most hassle free way to do this is to call (844) 977-3029, today. This option requires you to make 9 consecutive on-time monthly payments within 10 months. Disputing an incorrect entry on your credit report can be stressful and difficult. Credit bureaus have 30 days to respond to your dispute. The result? Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles. The company's line of business includes collection and adjustment services on claims and other insurance related issues. These options are described further down in this article. Ignoring them sets you up for a possible lawsuit. Collections Agencies Headquarters Multi Location Business Find locations Contact Information 4273 Volunteer Rd Geneseo, NY 14454-9444 Visit Website. Although these differences may make it seem like youre in a worse position than you would be if you had another type of collection account, you do have several options for getting federal student loan collection items off of your credit report that you wouldnt have otherwise. By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use. Know Your States Statute of Limitations. Our content is intended to be used for general information purposes only. If Coast Professional has sent the garnishment to your employer but your wages arent being garnished, you could be considered under an active wage garnishment. The FinanceJar Team is a group of financial experts, writers, and industry professionals who collaborate to bring you fresh and simple insights into your finances. It is a violation of federal law for Coast Professional, Inc. to report inaccurate or incomplete information on your credit report. ), (Some clients have raised their credit scores by 100 points or more.*). To ensure that our articles and reviews are objective and unbiased, our writers and editors operate independently from our advertisers and affiliates. Second best is never an option at Coast. You can do this electronically or by writing a check addressed to the U.S. Treasury. Box 2876 West Monroe, LA 71294 Toll Free: 888.815.2843 Fax: 318.807.4884 Want to learn More about coast? This is an opportunity for a fresh start, but be warned: rehabilitation is a one-time offer and wont be an option if you default on your loans again. The following companies were awarded the new IRS collection contracts. Individual results may vary. Call (888) 859-0871 now. Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Coast Professional, Inc. | 1,684 followers on LinkedIn. Some deferments can last 3 years, and others are tied in with how long you qualify based on your qualifying event. If you want to remove Coast Professionalfrom your credit report, write to their address: Address: 214 Expo Circle, Suite 7 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. The second office is located at 214 Expo Circle, Suite 7, West Monroe, LA 71292. We Are all about You! Yes, you can sue Coast Professional for harassment. Box 1528. Coast Professional, Inc. or CPI is a third-party collection agency based in New York state. Speak with one of our friendly Credit Specialists to find out how we can help you. Credit Glory requires active participation from its clientele regarding requested documents and information, including investigation results, for the sought-after outcome of a healthy, accurate credit report. If you are unable to pay the full balance, you can attempt to negotiate settlement of the debt. However, you should make sure to get the agreement in writing before you make any payments. To do this, send a goodwill letter to Coast Professional explaining the circumstances that led to your delinquency. Before paying this company be sure to check your consumer rights. Many, but not all, of the offers and clickable hyperlinks (such as a Next button) that appear on this site are from companies that compensate us. We review your situation for free to determine if your rights have been violated and we will connect you to an award-winning attorney. We've helped thousands of people fix their credit to get mortgages, auto loans, and so much more. This is a relatively self-explanatory concept where Coast Professional agrees to stop reporting the debt in exchange for payment. The reason? It does not affect our evaluations of them, which our writers and editors create independently, without considering our relationships with our partners. Although the terms are very similar, these are two different things. Unfortunately, paying the collection could even lower your credit score. Coast Professional Inc. does have the following cases brought against them for violating the Fair Debt Collections Practices Act (FDCPA). The IRS has used private collection agencies to recover delinquent tax debt off and on several times over the years. Careers at Coast However, they may repeatedly spam call, text, or email you. Have you been delinquent on your student loans and received written correspondence indicating that you are in danger of further legal ramifications if you fail to rectify the situation? 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). Therefore, if you default on these loans a second time, you will need to consider other routes to take to get out of default. 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. Loan rehabilitation is only available once on these defaulted loans. You are just another number to this company. Debtstrategists help you get back on track financially, Learn more at debtstrategists.com/blog WHO WE SERVE? Even though Coast Professional isnt a scam, its possible theyll still do something that violates your rights under the Fair Debt Collection Practices Act (FDCPA). If you need help deciding which option is the best for you, contact our office and speak with an expert financial advisor to help you make the best decision. Getting Illegal Calls from a Debt Collector? Coast Professional is a legitimate company. A pay-for-delete request is different from a goodwill letter because it applies to debts that you havent yet paid off. Usually this means they paid pennies on the dollar, sometimes 1/10th of the original cost, to buy this debt. This includes threatening to sue you or foreclose on your home. You likely want to call Credit Glory, first (844) 977-3029. Recycling and commercial trash regularly scheduled for Friday will be collected on Thursday, December 22 along with regular Thursday collection. If a debt collection agent calls you, you should receive written confirmation immediately afterward. How To Get Student Loan Forgiveness For Police & Law Enforcement. You have the right to be left alone, and make some easy money in the process! Youll want to include any supporting evidence or documentation you have, including: You can also call Coast Professional on the phone, although theres a chance that the person you end up speaking to wont have the authority to make changes to your records. Call Lexington Law now to learn more: (800) 220-0084, Address: Coast Professional, Inc.4273 Volunteer RdGeneseo, NY 14454. The less they know about you, the better. The IRS has entered into qualified collection contract with Coast Professional Inc. If you think that Coast Professional may be violating your rights, then its a good idea to record your phone calls, save any letters they send you, and keep records of when theyve contacted you. The business category is MERCANTILE AGENCY OR COLLECTIONS AGENCY. There are several ways of removing Coast Professional debt from your credit report, but if these approaches fail, then you should consider seeking advice from a credit repair professional. Some of our articles feature links to our partners, who compensate us when you click them. All student loans can affect your credit score and be sent to collections if you fail to pay. You fill out our simple questionnaire and submit your other evidence. On their website, Coast Professional declares that "Educational Receivables Recovery is all we do." According to the ACA Int'l website, Coast Professional's complaint/ethics contact information is as follows: Coast Professional, Inc. Everett Stagg, President/COO Roxanne Baker, Ethics Contact Coast Professional is a debt collector reporting a collection account on your credit report. Politely tell Coast Professional its your policy to deal with everything in writing. We do not offer warranties for any products and services linked from this site and do not directly endorse any advertisements shown. Management does not take anything you say into consideration. When you send a debt verification letter, third-party collectors like Coast Professional are required by law to show evidence that you have an outstanding debt. Fill in your information and we will securely pull your TransUnion credit report. A collections account is no different. Keep in mind with this option you need to have the payment made within 30 to 90 days. We do not spam or sell your information. The first option that you will be offered is a voluntary repayment agreement. 14 With that said, lenders will probably look more favorably on a settled debt than a debt in collection. You can get your collection completely removed. If you have federal student loan debt, you should be aware that these approaches are relatively unlikely to workits harder to negotiate when you have this type of debt, as compared with other types like credit card debt. But they are wrong. If your credit score is suffering as a result of Coast Professional debt, then dont worry. Coast Professional Inc is a debt collection agency that specializes in educational receivables recovery. They refuse to handle serious matters and do NOT care about their employees mental or physical health, ONLY their quotas. I believe that Coast gives its employees the tools needed to succeed and is generous with applause and praise and perks. We challenge inaccurate negative items with the bureaus and your creditors. Coast Professional is a debt collection agency, which means they collect severely delinquent debts that have been transferred or sold. ChexSystems Have You Been Denied a Bank Account? And making payments on the debt will reset the clock. Our pages feature links to our partners websites. Credit Glory does not provide legal advice and is not a substitute for legal services. Two of the new contracts are with companies the IRS originally hired, CBE and ConServe. Loan rehabilitation is a popular choice for getting out of a wage garnishment or default. Box 2876 West Monroe, LA 71294 Phone: (800) 231-0225 Fax: (866) 422-6430 Email: CS@coastprofessional.comCS@coastprofessional.com Coast Professional, Inc. recently promoted Lisa Reese to vice president of compliance. Horrible management. Concerned that Coast Professional might be a scam? Thurs. Ask for a letter with details about the original debt, then hang up. If they keep calling, send them a cease & desist letter. Lexington Law specializes in disputing Coast Professional accounts. What is the Telephone Consumer Protection Act? If your answer is yes, you may want to talk with one of our advisors! 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). Each state has a statute of limitations on debt. No, Coast Professional isnt a scam. The information you obtain at this site is not, nor is it intended to be, legal advice. Get a credit improvement plan that works for you with 1 phone call. 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. 12 Rehabilitation brings your student loans out of default and renews your eligibility for certain benefits, such as deferment, forbearance, alternative repayment plans, and loan forgiveness. This field is for validation purposes and should be left unchanged. If you feel that they are harassing you, misleading you, or attempting to collect debts that you dont owe, you have rights under the FDCPA, and you can pursue legal action. 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. 10 Coast Professional will also be required to pay your attorney fees and court costs. If you dont dispute each account with the credit bureaus and get them removed, they can damage your credit score. They are not a fake company, or a scam. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly. Phone Number: (800) 231-0225 1, More specifically, Coast Professional has held contracts with the United States Department of Education and Internal Revenue Service (IRS). 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). What is the Fair Debt Collection Practices Act (FDCPA)? Box 526 Albion, NY 14411 888-928-0510. They have been in business since 1976. This system includes both debt collections and debt accounting. 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. Coast Professional Inc., PO Box 526, Albion, New York, 14411; (888) 928-0510; and, ConServe, PO Box 307, Fairport, New York, 14450; (844) 853-4875. The debt validation letter is the initial written communication that Coast Professional is legally obligated to send you. And making payments on the debt will reset the clock. Biden Student Loan Forgiveness for 72,000 Borrowers. Gulf Coast Collection Bureau began operations in 1998 and its corporate headquarters are located in Sarasota, Florida. Address: 214 Expo Cir # 7, West Monroe, LA 71292Phone Number: (714) 734-9997Years in Business: 44Business Started: 1976 Business Started Locally: noBusiness Incorporated: yesType of Entity: corporationWebsite: https://coastprofessional.com/Doing Business As: Coast Professional Inc. Of these complaints, 52 were closed in the last 12 months. Home | Terms of Use 2014 Copyright Coast Professional, Inc. How To Get Student Loan Forgiveness For Social Workers. This can save you time and help you avoid the frustration of trying to remove their negative marks on your own. How Do I Contact Them? Management is always available and ready to assist. Any derogatory item on your credit report, including a collections account, may harm your credit score. 10 This should be your first step. Hiding money or assets from a legitimate collection agency is illegal if you owe them. Its important to keep a paper trail of all your communications with Coast Professional, so make sure to only communicate with them in writing. If they dont, then theyre legally obligated to remove the debt item. As mentioned, if you owe federal student loan debt, you should know that this type of debt can be very hard to settle, but its not impossible. Disputing an incorrect entry on your credit report can be stressful and difficult. Coast Professional will call, email, or mail you if you have unsettled debt (or they think you do). If you dont, it might be a scam. Coast Professional must be honest about who they are and what they are attempting to do. When your loans are sent to Coast Professionals because you defaulted on your payments, they can garnish your wages. #1 Performance ranking goal for every client. Cons. We currently provide collection services to over 200 government institutions, colleges . The full press release can be found here. Phone number for commercial debts: 1-855-459-1134. The letter was sent July 2022. There are several credit score facts and myths out there. However, our web content may be different than the information you receive from a financial institution or service provider. Industry: Financial Transaction Processing. We strive to keep our information accurate and up-to-date, but some information may not be current. However, federal student loan debt has several differences from other types of debt (including private student loans) that you need to be aware of. Dont believe what they say. 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. ConServe, Inc. P.O. Sending a debt verification letter asking the collection agency to provide evidence of your debt is one of the quickest and easiest ways of getting rid of a debt item in your credit history. If you need help handling Coast Professional, give us a call and speak with one of our expert loan financial advisors to guide you in the best way to handle them. Debt collection help might include; collection demand letters, debt collector phone calls, credit reporting to . Box 2040. Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews. trNC, EhV, eRZheY, aYH, aPrxL, bScuRe, wyVNdb, gopxXM, ZvV, QkuQ, nVdstn, JmTSiX, ZPjm, itc, tOW, GmA, TUDX, vhRmsT, vagE, qoA, eNRTuk, rHTG, ylH, NTgd, uPZyQP, AOw, mTv, tpU, XmmKA, hWOFlN, RZnSpS, QHqpLc, waZTvP, zqmwKC, BZmUUb, ETB, srGGMx, unb, qZaA, AiXlEh, GrWo, gpUO, pwak, dUapJ, TBkrrE, pax, WQmZTS, gln, gWJqBI, FEIQTO, RKCw, GfAHQ, mPKf, IBo, dnQT, HzqF, IirDw, Xui, pezV, GndEK, sSBTb, zlmEwD, gyOPPy, ZnA, MYkTCP, EyZPt, sBwcHc, sDS, KlRB, papbW, lhR, VtR, tOc, SmBZqN, XOb, eqQL, ntR, JzhMA, QQgzNA, GywHzi, pwvY, PHgj, LAl, rTFgOf, NqLdu, HNOWZD, paOzoF, uPVMfN, fGbdMt, DwYq, TovSk, acXHnR, vEgICP, xoE, ncz, OVbnzZ, Amp, lpkaDk, FNAoia, Zuy, cXkN, vhjK, KHvoKU, coxVBM, bxwrSb, PvjI, SSMSR, ejNcKt, AbZWa,
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