#1 Way to Remove 'Collection Receivables Inc' (Hurting Your Score)

Most often Collection Receivables Inc is calling because they believe you owe a past-due account, though it can also be a wrong-number or skip-trace hit, an identity-theft flag, or a data mismatch from a creditor or credit bureau. Debt buyers and third-party collectors get lists from original creditors or servicers and then call en masse, which is why innocent people sometimes get contacted; treat the call as potential error until you verify details.

In the first 48 hours don't admit or pay anything, log every call with dates, times and caller ID, and write down any reference numbers they give you. Ask for the original creditor, the exact amount, and the date of default, then check whether that tradeline actually appears on your three-bureau reports by using pull your free credit reports. Before discussing substance confirm your state's statute of limitations (time-bar status) and, if they cannot prove the debt, formally request written debt validation and keep all records for disputes or FDCPA complaints.

Collection Receivables Inc most often handles third-party consumer debts: bank-issued charge-offs, medical bills, utilities and telecom balances, auto deficiency balances, retail/store cards, personal loans, and small-business debts backed by personal guarantees.

• Credit cards (bank charge-offs): documentation = charge-off statement, original card agreement, full transaction/charge-off ledger; validation ask = itemized accounting from charge-off to present, copy of signed agreement, proof chain of assignment.
• Medical bills: documentation = itemized EOBs, provider bills, dates of service, CPT/ICD treatment codes; validation ask = itemized treatment codes, provider receipts, proof insurer denial/adjustment.
• Utilities/telecom: documentation = final bills, service logs, termination notices; validation ask = full service history, billed usage details, proof of final notice.
• Auto deficiency (repo/loan shortfalls): documentation = original loan contract, payoff statement, repo sale report, deficiency calculation; validation ask = repo sale proceeds, itemized payoff math, title transfer documents.
• Retail/store cards and layaway: documentation = signed card or contract, purchase receipts, charge-off notice; validation ask = original contract and itemized purchase history.
• Personal loans: documentation = promissory note, payment history, charge-off paperwork; validation ask = signed note, payment accounting, assignment records.
• Small-business debts with personal guarantees: documentation = business invoices, guarantee form, business-to-person assignment; validation ask = copy of signed personal guarantee and proof guarantor liability.

Ask for written debt validation immediately, specific to the debt type above, demand original creditor and chain-of-title documents, and check statute of limitations and your credit reports before negotiating or paying.

Treat any Collection Receivables Inc contact as potentially real but verify it before you pay. Ask for written validation within 5 days (FDCPA §1692g(a)). When it arrives, match account number, original creditor, balance, and dates to your records; mismatches or vague info are red flags. Confirm the phone, mailing address, and business name on the notice match the collector's official website and that the company is registered with your state regulator. Never pay with gift cards, wire transfers, or prepaid apps, and never give bank or social security details over the phone; if you're unsure, send a written dispute and request full debt validation by mail.

Check registries and complaints before acting, then report problems: use CFPB complaint database, look up find your state attorney general for licensing or enforcement, and review the BBB business profile and complaints. Keep all notices, send disputes by certified mail, file complaints if you suspect a scam, and consider a consumer attorney if the collector violates the FDCPA or cannot validate the debt.

Use the phone and mailing address below to contact Collection Receivables, Inc., but always confirm those details on your latest collection letter and the company website before you send anything.

• Phone (reported): (706) 736-6746, confirm this number on your most recent dunning letter.
• Mailing address (reported): 803 Shartom Dr, Augusta, GA 30907, confirm on your most recent dunning letter.
• Website: Collection Receivables website. ([criaugusta.com](https://www.criaugusta.com/?utm_source=chatgpt.com), [bbb.org](https://www.bbb.org/us/ga/augusta/profile/collections-agencies/collecti…))

Caution: before calling or mailing, verify the phone and address against the letter you received, the company site, and a state licensing/business lookup; scammers can mimic collector names and numbers.

When you must respond, do it in writing: send a debt-validation or dispute letter via certified mail, return receipt requested, keep copies, and record the tracking/receipt numbers.

Never email originals or sensitive documents (Social Security number, bank statements, signed waivers). Do not send payment until you receive written validation you trust.

You have federal protections when dealing with debt collectors: they must stop harassment, prove the debt if you ask, and you can force them to stop contacting you or sue if they break the rules.

No harassment or false threats. Collectors may not use profanity, threaten arrest, lie about legal action, or repeatedly abuse you. Limited calling hours, usually 8am to 9pm local time. Reg F also limits nuisance contacts, including the "7-in-7" call frequency restriction that prevents repeated calls within short periods.

Right to validation and a 30-day dispute window. You can demand written proof of the debt; if you dispute in writing within 30 days they must pause collection until they validate. Right to cease communication. Send a written cease request and they must stop most contacts, except they may send limited notices about specific actions.

Right to sue for violations. You can seek statutory damages and attorney fees in court, and keep copies of letters, dates, and call logs as evidence. For official guidance and sample letters see the CFPB debt collection overview.

Send a written debt-validation dispute to Collection Receivables, Inc. within 30 days by certified mail and demand proof before you pay.

1) Mail certified (return receipt) within 30 days of their validation notice.

2) Keep the certified tracking number and green-card (or e-receipt). (law.cornell.edu, about.usps.com)

In the letter demand: the original creditor's name and address, a full accounting from charge-off to present, a copy of the signed agreement, a detailed itemization of interest/fees, and proof they own or were assigned the account; state they must stop collection until they provide verification. Keep sentences short and specific. Sample line (do not admit liability): 'I dispute this debt and request validation; I do not admit this debt and request you cease collection until verification is mailed.' (ftc.gov)

If they fail to produce verification, they must not continue active collection on the disputed portion and you can force reporting corrections or dispute entries with bureaus; escalate by filing regulatory complaints and preserving all records (letters, delivery receipts, call logs). Use the CFPB and FTC resources to report violations or get help. (consumerfinance.gov, consumer.ftc.gov)

If no verification, next steps:

• Send a follow-up certified letter demanding removal or 'mark as disputed.'
• File a complaint with the CFPB via submit a CFPB complaint online.
• File an FTC or state attorney general complaint, dispute with credit bureaus, and consider FDCPA legal action if they violate your rights. Keep copies of everything. (consumerfinance.gov)

Start by treating the account as identity theft: immediately place fraud alerts and security freezes, then force deletion through official FTC and FCRA procedures.

Place an initial fraud alert with each credit bureau and freeze your reports, then file an official identity-theft report and recovery plan via identity theft report at IdentityTheft.gov. Send the bureaus an FCRA 605B block request including your FTC identity-theft report, a police report or sworn affidavit, proof of ID, and a written demand that the collection entry be blocked and removed. At the same time, send a certified dispute to the furnisher (Collection Receivables Inc) demanding verification or deletion, citing lack of ownership and attaching the same evidence.

Keep every sent and received document, note dates and times, and preserve chain of custody (certified-mail receipts, screenshots, delivery confirmations). Expect investigations to take 30–45 days; if the furnisher or bureaus fail to remove the item contest in writing, escalate to state regulator, file an FCRA/FDCPA complaint, or consult a consumer lawyer for a potential lawsuit or settlement.

• Place fraud alert with all three bureaus.
• Freeze all three credit reports.
• File FTC identity-theft report at IdentityTheft.gov.
• File police report or sworn affidavit.
• Send FCRA 605B block request to each bureau with attachments.
• Send certified dispute/demand-to-delete to Collection Receivables Inc.
• Record dates, keep certified-mail receipts and delivery proof.
• Wait 30–45 days for investigation.
• If no removal, file complaints with CFPB and state AG or contact an attorney.

Yes - debt collectors may try to reach you, but federal law and common practice tightly limit where, when, and how they may do it.

If Collection Receivables INC contacts you, these are the rules and actions that matter now:

• Times and places: no calls at inconvenient times or places they know are inappropriate (commonly before 8:00 a.m. or after 9:00 p.m., or at work if they know your employer forbids calls).
• Workplace: if your employer bars calls, tell the collector once and they must stop calling your job; send a short written workplace-specific cease directive and keep proof (certified mail or saved email).
• Social media: communications must be private (direct message), not public posts, tags, or comments, and you can require they stop using social media to contact you.
• Friends, family, co-workers: collectors may contact third parties only to locate you, they cannot reveal you owe a debt or discuss details with them.
• What to do: send a written cease-and-desist for unwanted contact (include 'do not contact me at work' if relevant), request debt validation in writing, keep copies and delivery proof, and if they violate these rules file a complaint with the CFPB, your state attorney general, and consider consulting an attorney.

Document everything first, you stop harassment by turning noise into irrefutable evidence, legally cutting off unwanted contact, and escalating to regulators or FDCPA claims if they ignore your demands.

• 1. Document: date, time, caller ID, full transcripts/screenshots of texts, emails, voicemails, account numbers, and certified-mail receipts; store backups. 
  2. Send a written limited-scope cease-and-desist (allow mail only) or a full cease, signed and sent by certified mail with return receipt; keep the copies. 
  3. Record calls only where state law permits, note whether your state requires one-party or two-party consent before recording.

• 1. File complaints with regulators and law enforcement using your evidence, for example file a CFPB complaint, and notify your state attorney general or consumer protection office. 
  2. If misconduct continues, demand compliance via an attorney, then pursue FDCPA remedies in small claims or federal court for statutory and actual damages. 
  3. Before suing, order a focused credit-review: pull reports from the three bureaus, identify incorrect tradelines, and tailor disputes to strengthen your complaint.

Start now: save proof, send the certified limited C&D, file the regulator complaint, and consult a consumer attorney if calls persist; these measured steps usually stop harassment and preserve your legal options.

Only when the original contract or your state law allows it. Federal rules bar collectors from tacking on interest, fees, or other charges that the loan agreement or state statute does not authorize, so Collection Receivables Inc can't lawfully invent 'collection' or 'admin' charges out of nowhere; see CFPB guidance on interest. ([consumerfinance.gov](https://www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-increase-…), [ftc.gov](https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-pra…))

Demand an itemized, dated breakdown showing the balance, interest, and every fee from the date of charge‑off, and ask them to point to the exact contract clause or state statute that authorizes each charge; if they can't produce it, dispute the amounts in writing with the credit bureaus and the furnisher, send certified mail, and insist on a full investigation - junk fees that can't be verified must be removed or corrected. ([consumerfinance.gov](https://www.consumerfinance.gov/askcfpb/1303?utm_source=chatgpt.com))

No, not without a court judgment in almost all cases, because a collector must sue you and win before it can garnish wages, place a levy on bank accounts, or seize assets; narrow exceptions include unpaid taxes, child support, and certain federal student loan or administrative offsets.

Federal law limits wage garnishment to 25% of your disposable earnings or the amount your earnings exceed 30 times the federal minimum wage, though many states set stricter caps and special rules; Social Security, SSI, and VA benefits are largely exempt from private garnishment, but some federal offsets can still reduce those payments. To freeze a bank account a collector needs a judgment and a post‑judgment levy, and banks may briefly hold funds when served a writ, so protected income should be timely claimed.

If you're served, monitor court dockets and never ignore a summons, respond and request debt validation, file a claim of exemption or ask for a garnishment hearing, and consider legal help or local legal aid to stop or limit garnishment and protect exempt benefits.

As of the BBB profile, Collection Receivables, Inc. shows an A rating and about 25 complaints reported in the last three years. (bbb.org)

Look the company up yourself on the BBB business profile and complaints and on the CFPB complaint submission and tracking, compare complaint patterns (misidentified debts, failure to provide validation, repeat call frequency), and note complaint IDs and dates so you can cite them in disputes or credit bureau/attorney communications. Remember, BBB ratings are not regulatory findings but they help flag risk; CFPB complaints give you a tracking number and official record to use in disputes. (bbb.org, consumerfinance.gov)

Confirm whether a class suit or settlement already covers you, because that decides if you file a claim or pursue a faster individual remedy.

How to check and act quickly:

• Google "Collection Receivables Inc class action" for headlines and notice links.
• Search federal PACER dockets or RECAP for filings, class certification, and settlement paperwork.
• Review state Attorney General press releases for related enforcement.
• Search CFPB enforcement actions for consent orders or investigations.
• If you get a class notice, follow the claim form and opt-out/deadline instructions exactly.
• If no class or the class excludes you, pursue an individual FDCPA claim, debt-validation request, small-claims suit, or attorney demand for faster relief.

Practical next steps you can do now: file a claim if you're in the class and save a copy, send a written debt-validation request to Collection Receivables Inc, immediately dispute any bureau entries with documentation, time-stamp and save all communications, and consult a consumer-attorney or legal aid if you see FDCPA violations or need help meeting deadlines.

Act fast: follow a tight 10‑day action map to preserve your rights, force validation, and stop unnecessary credit damage.

Treat the notice as a formal legal communication; do not admit the debt, do not pay, and start documenting every contact immediately.

• 1) Day 1 - Calendar the 30‑day validation window from the letter date or first call, mark the deadline.
• 2) Day 1 - Pull your three credit reports and the original account statements, then cross‑check the collector's amount and the DOFD (date of first delinquency). Note any mismatches.
• 3) Day 2 - Send a written, no‑admission debt validation request by certified mail, return receipt requested; demand original contract, chain of title, itemized balance, DOFD, proof they may legally collect, and judgment records if claimed.
• 4) Day 3 - Send a written "cease communication" if calls are frequent, via certified mail; after receipt they must stop calling except to advise of legal action.
• 5) Day 3 - Stop phone negotiations and do not make any payment or written admission, a payment may restart the statute of limitations.
• 6) Day 4 - Verify your state's statute of limitations using the DOFD; do not acknowledge or pay time‑barred debt without legal advice.
• 7) Day 5 - Preserve evidence: keep the original letter, envelope, postmark, attachments, certified mail receipts, call logs, and any voicemail; photograph and back up everything.
• 8) Day 6 - Build a concise timeline of contacts, dates, names, and what was said; save screenshots of online account info.
• 9) Day 7 - If the collector's information differs from your records, file disputes with each credit bureau first under the FCRA, attach your proof, and notify the collector you disputed.
• 10) Day 8–10 - If the collector validates a correct debt, request written settlement terms before paying; if they cannot validate, demand deletion in writing and escalate to an attorney or state regulator if needed.

If errors appear on your credit reports, always dispute with the bureaus first, include your documentation, and wait for the bureaus' 30‑day investigation result before making decisions.

Keep every original document and certified mail receipts in one folder, seek free legal help or a consumer protection attorney if you get sued, and never ignore a summons.

If you ignore Collection Receivables Inc the typical result is worse credit, escalating calls, placement with other agencies, and even possible litigation. A collection entry lowers your score, can remain on reports for years, and makes future credit more expensive.

If you can't pay, validate the debt first and ask for a temporary hold while you gather documents. Send a hardship letter that does not admit liability or request a goodwill hold, explore income-based plans or a settlement, and get any agreement in writing; never ignore court papers, respond immediately if served. Consider contacting a nonprofit credit counselor for free guidance.

Keep meticulous records of calls and certified mail, and dispute any inaccurate reporting with the bureaus. If you're sued, seek free legal help and meet court deadlines or you risk a default judgment. Check your state's statute of limitations on old debts before making payments, but confirm the law rather than assuming time-barred status protects you.

Negotiating a lower payoff can be a good strategy, but only after you verify the debt and confirm your state's statute of limitations. Validate the account in writing (original creditor, account number, date of last activity, balance, and chain of ownership). If the debt is time‑barred, do not make payments or admit liability without checking state law, because a payment or written promise can revive the statute in some states. Never give bank login info or sign anything until terms are written.

If you proceed, require a written settlement and keep copies; insist on these items before you pay:

• Exact settlement amount and final due date.  
• What the payment represents (settlement vs full payment) and whether the creditor will report to bureaus.  
• A signed promise to delete the collection from credit reports, i.e., a "pay‑for‑delete" agreement when possible.  
• A paid‑in‑full receipt and clear instructions for reporting changes to credit bureaus.

Also know forgiven balances can trigger a 1099‑C and taxable income, so plan for tax consequences and keep every document for disputes or future proof.

Yes, you cannot be arrested for owing a consumer debt, but a collector can sue you if they can prove they own the account and the exact amount owed.

If Collection Receivables Inc files suit, the court will send a summons and complaint; ignoring it risks a default judgment, which can lead to wage garnishment or bank levies depending on state law.

When served, answer the complaint by the deadline, request debt validation and chain-of-title paperwork, raise defenses (statute of limitations, identity, improper service), check for arbitration clauses, and appear at hearings or file motions if needed; ask the court clerk or a lawyer about filing an answer and deadlines.

Also check your county or state court's online portal for case filings and dockets, and review your rights when debt collectors call for guidance on validation and unlawful collection practices.

If Collection Receivables INC violates debt-collection laws, you can preserve evidence, file regulatory complaints, demand validation or a stop to contact, and hire a consumer attorney to sue for statutory and actual damages plus attorney fees, or bring a small-claims action to force deletion or correction of your credit record.

Immediately send a written debt-validation request and a preservation letter (certified mail, keep copies and timestamps), and consider a written cease-and-desist if harassment continues; after documenting violations, file a complaint at CFPB and also notify your state attorney general or consumer protection office so regulators can investigate.

Consult a consumer/FDCPA attorney to evaluate suing - federal FDCPA remedies can include statutory damages up to $1,000 plus actual damages, costs, and attorney fees, and many states add statutory remedies or higher penalties; negotiate a settlement that demands deletion or correction on your credit reports, or pursue small-claims court if damages are modest, and always check your state's statute of limitations before suing.

• Send validation request and preservation letter, certified mail, keep evidence
• Send written cease-and-desist if needed
• File a CFPB complaint and contact state AG/consumer agency
• Consult an FDCPA consumer attorney (fee-shifting means attorney fees may be recoverable)
• Sue for statutory damages (up to $1,000 under FDCPA) plus actual damages and costs
• Consider small-claims court for faster relief
• Demand deletion/correction of credit reports as part of settlement
• Track timelines, call logs, emails, and certified-mail receipts as proof

Yes, you can often avoid paying or remove a Collection Receivables, Inc. entry by using legal tools - prove the account is not yours, demand validation, force unverifiable listings off your reports, assert statute-of-limitations defenses for time‑barred debts, or pursue bankruptcy when appropriate, but do not simply ignore the collector. Request debt validation in writing within 30 days so collection must pause until they verify the debt, dispute reporting errors with the credit bureaus and the furnisher to trigger FCRA removal if the item cannot be verified, and assert that a debt is time‑barred if the statute of limitations in your state has expired; these are actionable exits collectors must honor, and a neutral audit of your reports usually exposes misidentification, duplicate listings, or furnisher failures you can exploit. (ftc.gov, consumerfinance.gov)

Act fast, keep everything in writing, and use certified mail or documented online dispute portals so you have proof; send a validation letter, file disputes with each bureau, and preserve all responses (or lack thereof) as evidence. Consider using CFPB sample dispute letters to start, consult a consumer‑law attorney if a collector sues or garnishes, and remember bankruptcy creates an automatic stay and can discharge qualifying debts but carries long-term credit consequences - so weigh it as a last resort. (consumerfinance.gov, uscourts.gov)

If the Collection Receivables Inc tradeline is inaccurate, dispute first for faster score wins; if the debt is valid and collectible, compare settling, paying in full, or negotiating pay-for-delete while weighing cash cost against your credit goals.

• Dispute when the tradeline is unsupported or incorrect, request validation under your rights, and watch for deletion instead of paying.
• If validated and not time-barred, compare options: settlement lowers balance but may stay on report, pay-for-delete can remove the tradeline (rare, insist on written agreement), full pay sometimes improves score slowly.
• Factor opportunity cost: cash used to settle may be better spent on secured credit or rebuilding if deletion is unlikely.
• Get a professional or thorough report review to identify the cheapest path to deletion and avoid restarting the statute of limitations by accidental acknowledgements or partial payments.

Check your credit reports first, send a written validation request to Collection Receivables Inc, file disputes for errors, and only accept settlements or pay-for-delete when you have a signed, written promise; consider a reputable credit analyst if you want the fastest, least-expensive route to remove the tradeline.