Summary: Detailed instructions on how to remove Avante USA collections from your credit report.
If you have pulled your credit report recently and there is an outstanding collection account for Avante USA you may wonder who they are and why they are on your credit report.
Avante USA is a legitimate debt collection agency that collects for a variety of industries. When a consumer doesn’t pay their debt for 90+ days, companies typically sell the debt to a third party collection agency like Avante USA.
Fortunately, it is possible to remove a Avante USA debt collection from your credit report. Let’s go into detail on how to achieve this.
- What is Avante USA?
- Your Rights When Dealing With Avante USA
- How Do I Stop Unwanted Calls From Debt Collectors?
- Validate that the Debt Collection is Legit
- Can I Remove My Avante USA Collection Account From My Credit Report?
- 1. Dispute the Debt with the Credit Bureaus
- 2. Negotiate Pay-For-Delete
- 3. Have a Professional Remove the Collection
- Will Avante USA Sue Me or Garnish My Wages?
- How to Contact Avante USA
What is Avante USA?
Avante USA is a debt collection agency with offices throughout the US. They generally provide debt collection services for the healthcare industry.
Avante USA is not accredited with the better business bureau and has over numerous complaints. Like many debt collection agencies, Avante USA is a debt collector that might use aggressive tactics to collect on a debt.
Therefore, it’s important that you understand your rights while you’re in the process of removing debt collections from your credit report.
Your Rights When Dealing With Avante USA
The most important thing to keep in mind is that debt collectors often count on you not knowing your rights. With this, they are able to manipulate and scare you into paying a debt that you might not even actually owe.
A debt collector such as Avante USA is required to abide by certain rules. These rules are outlined in the Fair Debt Collection Practices Act. It’s a good idea to be aware of your rights under the Fair Debt Collection Practices act because it will put you at an advantage when you’re dealing with Avante USA (or any debt collector for that matter).
Here is a brief overview of the Fair Debt Collection Practices Act, and the most important aspects when it comes to handling a debt collectors call specifically.
Debt collection agencies cannot:
- Call you before 8AM or after 9PM (your timezone).
- Harass you or your family.
- Talk to your friends or family about your debts.
- Threaten you in any way, including jail or prison.
- Use profanities.
Now that you know how to deal with Avante USA, let’s talk about how you can get them to stop calling you over the phone. Then we will get into how to remove the collection from your credit report.
How Do I Stop Unwanted Calls From Debt Collectors?
Debt collectors will often call you as well as send you letters. In general, it’s much more preferred that you only communicate via mail.
When you communicate over the phone, there is always the possibility that they will make a promise and not keep it because there isn’t anything in writing. Additionally, it’s just much less stressful dealing with a collection agency via mail.
In order to stop the calls, simply write them a letter demanding that they no longer call you, and that all communication be done over mail rather than the phone. Then you can just block their number on your cellphone.
Validate that the Debt Collection is Legit
Your first step is to figure out why Avante USA has your debt. What happened? Do they legitimately have your debt or was there a mistake?
You can ask all of these questions and more within the first 30 days of them contacting you. If they can’t answer your questions and provide proof that they legitimately have your debt, they must remove it from your credit report – it’s the law.
This is called a Debt Validation Letter, and like it sounds, the goal is to validate that the debt is actually yours.
In your quest to get answers, ask Avante about:
- The name of the original creditor
- The balance on the debt
- The date of the last payment
- The account number
Ask as many questions as you can because if they can’t answer them, they must remove Avante USA from your credit report.
Generally, a debt collector has 30 days to respond to your inquiry. Many times if they can’t validate the debt, they will remove the collection account, and stop contacting you.
However, if they are able to validate the debt, you will have to employ additional methods to remove the negative item.
Can I Remove My Avante USA Collection Account From My Credit Report?
Once you have written a debt validation letters and Avante USA has validated the debt, it’s time to use some other methods to remove the collection. Here are 3 additional steps you can take.
1. Dispute the Debt with the Credit Bureaus
If you miss your chance to validate the debt, you can use the same process with the credit bureaus. To do this you must first know who reported the collection. Avante may have reported it to one of TransUnion, Experian, or Equifax. They may have even reported it to all three.
Pull your free credit reports here to find out who reported it.
Once you know who reported it, write them a dispute letter. In your letter state, everything that you think is wrong with what they reported. The more evidence you can provide, the better off you’ll be too.
The credit bureau takes 30 days to look into the situation and come up with a determination. If they can’t prove something different than what you state, they must remove Avante USA from your credit report. If they can prove what’s reported is accurate, though, it will stay.
Collections stay on credit reports for 7 years, which can really hurt your credit. They not only decrease your credit score, but they also make future lenders unsure about lending to you. If you get approved for a loan, it may be at a higher interest rate or with higher fees.
2. Negotiate Pay-For-Delete
If you owe the debt and couldn’t get it removed from your credit report using the steps above, ask for a payment arrangement.
It may sound crazy to ask a collection agency for a payment arrangement, but they may be willing. Since they bought the debt for less than it’s worth, they still make a profit when consumers pay less than the full amount.
Start with an amount lower than you can afford since they will likely counteroffer anything you suggest. But, if you were unable to get Avante USA removed from your credit report, also ask for a pay for delete agreement.
This agreement states that if you pay the agreed amount (doesn’t have to be the full balance), that Avante USA agrees to remove the collection from your credit report. If they agree to this, get it in writing. If they don’t follow through after you pay the debt, you can dispute it with the credit bureaus showing that you paid the debt and that Avante USA agreed to delete it from your credit report.
3. Have a Professional Remove the Collection
Lastly, if you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out a reputable credit repair company such as Lexington Law Credit Repair.
They’ll take care of you, and honestly they usually get negative items removed quicker than if you try to do it yourself. Give them a call at 1-844-331-6062 or Check out our review of their service.
Will Avante USA Sue Me or Garnish My Wages?
While it’s usually not collection agencies first step, it is possible that collection agencies will seek litigation, including suing you. This is one reason why it’s recommended that you remove the collection from your credit report as quickly as possible.
Some states will allow a collector to garnish wages. It’s important that you understand where your particular state stands on this matter. Again, it’s much easier to handle the collection before it gets to this point.
How to Contact Avante USA
You can use the following contact information when you’re writing your debt validation letter or pay-for-delete letter.
Avante USA Contact Information
3600 S Gessner Rd, Ste 225
Houston, TX 77063