#1 Way to Remove 'Collections Solutions' (Hurting Your Score)

Most likely a creditor or a buyer of a delinquent account assigned your unpaid consumer debt to Collections Solutions, and they're calling to recover that balance.

Collections Solutions is a legitimate debt collector based in Plantation, FL and typically handles credit-card balances, medical bills, utilities, and similar consumer debts that were sold or assigned after months of missed payments. A call usually means the account is past due; don't admit the debt or promise payment on the phone. Instead, request a written debt validation that names the original creditor, shows the amount, and explains your rights under federal law. See your rights under the FDCPA.

If the amount or ownership looks wrong, dispute the debt in writing within 30 days - that triggers a verification duty and should pause collection activity until they validate. Keep records, send disputes by certified mail, refuse harassment, and consider professional credit-repair help if you want strategies that avoid direct engagement while protecting your score.

• Who assigned the account and why: creditor sold or placed a delinquent consumer debt.
• Common debt types: credit cards, medical bills, utilities.
• Immediate action: ask for written debt validation.
• Timing rule: dispute in writing within 30 days to force verification.
• Phone tip: don't admit or promise payment on calls.
• Help option: consider professional credit repair aligned with your goals.

Mostly unsecured consumer debts – chiefly charged‑off credit cards, medical bills, personal loans and utility arrears creditors assign after roughly 90–180 days of nonpayment.

Typical accounts and what to do:

• Credit card delinquencies – charged off and commonly placed with Collections Solutions.
• Medical bills – often sent when balances go unpaid.
• Personal loans and unsecured installment debt – defaults are collectible.
• Utility arrears, bounced checks, unpaid rent – sometimes pursued.
• Secured loans (mortgage, auto) – rarely handled by this agency.
• Review your accounts using free credit report at AnnualCreditReport.com and request debt validation before paying to avoid fees or reporting errors.

Short answer: Collections Solutions (doing business as Your Collection Solution, Inc.) is a real collection agency - not an automatic scam - but you should verify anything they claim before paying because consumers report aggressive tactics.

• Legitimacy signs: they provide a written validation notice within five days of first contact and follow FDCPA rules (no threats, no harassment).
• Red flags: pressure for immediate payment, requests for untraceable methods (gift cards, cash apps), refusal to give account/creditor details, or no paperwork.
• Practical checks - do these now: request written debt validation and don't pay until you get it; match account numbers/creditor names with your credit report; confirm their standing via Your Collection Solution, Inc. BBB profile; and keep written records of every contact.
• If something smells like a scam, report it: file at FTC complaint portal or CFPB complaint portal.

Do this as a quick plan: demand validation in writing, verify against your credit report, refuse untraceable payments, document everything, and complain to regulators if they violate FDCPA - that protects you and weeds out scams.

Call (954) 423-4646 or mail to 7890 Peters Rd Ste G‑101, Plantation, FL 33324 - the contact listed for Collections Solutions (Your Collection Solution, Inc.). Keep this number and address handy when you need to verify or respond to any collection notice.

Always confirm contact details before engaging by checking official sources like the BBB profile for Your Collection Solution, and never give personal info to unsolicited callers; hang up and call the verified number back. Request a written validation notice before discussing or paying any debt, and refuse pressure to pay immediately without documentation.

You have enforceable federal protections under the Fair Debt Collection Practices Act: a written validation notice within five days of first contact, no threats or obscene language, no false statements, and restricted calling hours (generally not before 8 a.m. or after 9 p.m.). The validation must show the amount, original creditor, and how to dispute; you may dispute the debt and require verification before paying. Collectors may not harass you or misrepresent legal action they cannot take.

You can demand in writing that collection contact stop, require communications be by mail only, or tell them to speak to your attorney if you're represented. If Collections Solutions fails to provide validation, continues abusive contact, or uses unfair practices you may sue for statutory damages (up to $1,000), plus actual damages, court costs, and attorney fees; document every call, letter, and message as evidence and consider filing complaints with regulators like the FTC or file a complaint at the CFPB.

Act quickly and precisely: send a written debt-validation request and a written 'cease contact' or 'mail only' letter by certified mail and keep receipts. Save call logs, voicemails, texts, and screenshots. If violations continue, use your documentation to file complaints, bring a private FDCPA suit, or consult a consumer attorney or legal-aid clinic for next steps.

Send a written debt-validation demand to Collections Solutions at 7890 Peters Rd Ste G-101, Plantation, FL 33324 within 30 days of their first contact, demanding the original creditor agreement, itemized account statements, and full payment history. Use certified mail with return receipt and keep exact copies of the letter and proof of delivery; short, clear language is best so nothing gets twisted later.

Federal law requires a written notice soon after first contact and gives you 30 days to request verification; when you mail a timely validation demand, tell them you dispute the debt and list the specific documents you want. Ask explicitly for the original signed contract, a full payment ledger, and the name of the original creditor, and date every page you send; collectors must stop collection activity while they verify the debt.

If Collections Solutions fails to provide verification, that can be an FDCPA violation; preserve your certified-mail receipts, notes of calls, and any texts or emails, then report the failure and abusive conduct. You can file a complaint with CFPB and consider suing - statutory FDCPA damages can be up to $1,000 plus attorney's fees and costs - which often forces collectors to halt reporting and collection while the matter is resolved.

Practical next moves: send the demand by certified mail, wait for their response, document everything, and don't make voluntary payments until you see verified proof; if they sue or ignore you, get a consumer‑defense attorney or legal aid and use your documentation - the receipts and tracked mail - like a flashlight in a dark room to prove you played by the rules.

<answer>Dispute the account in writing to Collections Solutions within 30 days, demand formal debt validation, and attach proof it isn't yours (police or FTC identity‑theft report, copies of IDs, billing statements or other records). If they cannot verify the debt they must investigate and cease collection while the dispute stands.

Simultaneously dispute the tradeline with the credit bureaus and upload your documents via dispute on AnnualCreditReport.com so the item can be flagged or removed if unverifiable. Keep copies of every letter, certified‑mail receipts, and dates of phone calls.

If Collections Solutions or the bureaus don't correct the file, file a complaint with file a complaint at CFPB and report identity theft to the FTC, and place a credit freeze and enroll in identity‑theft protection to stop future abuse.</answer>

Yes - federal rules put clear limits on where and when a debt collector may reach you.

Collectors must stop calling you at work once you tell them it's inconvenient or your employer bars personal calls; they also generally can't call before 8 a.m. or after 9 p.m. unless you give permission. (consumerfinance.gov)

They may send private messages on social platforms, but not public posts; private social messages must identify the sender as a debt collector and offer an opt‑out. Contacting friends or family is limited to getting your location only and must not disclose the debt. Harassing, repetitive, or abusive contacts breach the FDCPA. (consumerfinance.gov)

Take action fast: tell the collector (and your employer, if needed) that workplace contact is forbidden and send a written cease‑contact or debt‑validation request; document every call, time, and message; and if they violate the rules, file a complaint - report to the CFPB - and consider your state attorney general or an FDCPA lawyer. (consumerfinance.gov)

• You can stop workplace calls by telling the collector it's not allowed.
• Calls before 8 a.m. or after 9 p.m. are usually illegal without consent.
• Social media must be private, identified, and offer opt‑out.
• Friends/family may only be asked where you live; debt details are off‑limits.
• Keep records and report violations to the CFPB for enforcement or legal help.

Demand immediate cessation and prove it – send a certified‑mail cease‑and‑desist and keep every receipt and copy.

• Send a clear cease‑and‑desist letter by certified mail to Collections Solutions demanding they stop all contact except to confirm they stopped or to notify you of legal action. Include specific FDCPA violations you've experienced (threats, obscene language, repeated calls). Keep the return‑receipt and a scanned copy.
• Document everything: date, time, phone number, caller name, exact words, screenshots of texts/emails, voicemails, and call logs. Note witnesses and save originals.
• In the same mailing ask for debt validation if you dispute the account; state that further contact after a valid C&D may be unlawful.

Report and enforce your rights quickly. File complaints and preserve evidence for court. If they continue, sue under the FDCPA – you can recover statutory damages (up to $1,000), attorneys' fees, court costs, and possibly emotional‑distress damages if you prove harm. Small claims or a consumer‑protection attorney can help you decide the best forum.

• file a CFPB complaint and upload your copies and timeline.
• report to the FTC to flag abusive collection practices.
• If harassment persists, bring your certified‑mail receipt, call logs, screenshots, and written C&D to small claims or an FDCPA lawsuit; legal aid or a consumer attorney can advise next steps.

Yes - Collections Solutions can add interest or fees only when your original contract or state law authorizes those charges.

If the contract or law doesn't allow extra charges, adding them is improper and *the FDCPA prohibits unauthorized additions*. Ask for an *itemized breakdown* as part of your debt validation. Review each line. If amounts are wrong or unexplained, *dispute them in writing* and keep copies of everything.

If Collections Solutions still presses improper fees, you can submit a complaint to CFPB and preserve your records. If you live in Texas, some fees are capped - check the Texas Attorney General's office for specifics.

No - a collection agency can't lawfully take your pay or freeze your bank account without first getting a court judgment.

To seize wages or levy a bank account a collector must sue, serve you, win a judgment, and then use the court's garnishment or levy procedures; under the Fair Debt Collection Practices Act you must receive proper notice and have the chance to dispute or defend.

State rules matter: for example, Texas generally protects current wages from creditor garnishment except for child support or certain tax obligations, and most federal benefits (like Social Security) are protected from ordinary creditor garnishment.

If Collections Solutions or any collector tries to freeze funds without showing a court order, that's unlawful - demand immediate written release, ask them to produce the judgment or levy paperwork, contact your bank to unfreeze the account, document everything, and report to the CFPB.

If your money is frozen or you're being sued, get help right away - contact a consumer‑law attorney, local legal aid, or your state attorney general; many offer free consults and can quickly move to lift improper holds and pursue damages.

Short answer: Your Collection Solution, Inc. is BBB‑accredited and currently rated A+. See the BBB profile for Your Collection Solution. ([bbb.org](https://www.bbb.org/us/fl/plantation/profile/collections-agencies/your-…))

That A+ rating coexists with consumer complaints. Reports commonly allege aggressive tactics, harassment, and demands for debts lacking proper validation. Keep records, request written validation, and watch for patterns before negotiating or paying. If you're harmed, file a complaint with the BBB to add oversight and preserve your rights. ([bbb.org](https://www.bbb.org/us/fl/plantation/profile/collections-agencies/your-…))

<answer>There are no widely reported class-action suits or large federal settlements specifically naming Collections Solutions in recent FTC/CFPB enforcement or major class‑action trackers, though small consumer complaints show up on BBB profiles.

• Act fast: verify the notice, demand written validation, then either dispute or negotiate - don't ignore it.
• Call Collections Solutions at (954) 423-4646 to confirm the letter's specifics and note date/time of the call.
• Request validation in writing within 30 days; do not admit the debt on the phone.
• Check your credit report, the statute of limitations, and whether the account truly belongs to you.

Send a debt-validation letter by certified mail with return receipt. Ask for: original creditor name, account number, chain of ownership/assignment, itemized charges, and a copy of any signed contract. Keep copies of everything. If you mailed the validation within 30 days after first contact, the collector must provide verification before continuing collection activity.

If the collector validates and the debt is legitimate, assess what you can pay. Offer a lump-sum settlement or a written payment plan and insist on a signed agreement that specifies reporting to the credit bureaus (get any promised deletion in writing). If the debt is erroneous or unverifiable, dispute with the bureaus, file a complaint with the CFPB, and demand removal of the tradeline. Be cautious: a partial payment can restart the statute-of-limitations clock in some states - ask an attorney if unsure.

• Do: call (954) 423-4646; document the call.
• Do: mail a certified validation request within 30 days and save receipts.
• Do: dispute incorrect entries with credit bureaus and file a CFPB complaint if needed.
• Do: get any settlement or deletion promise in writing before paying.
• Don't: admit liability or ignore it; keep all records and consider legal help if sued.

Ignoring Collections Solutions won't make the debt disappear - it raises the odds they'll sue, get a judgment, and (if they win) garnish wages or freeze accounts, while the collection stays on your credit report for about seven years from the original delinquency.

A collector can file suit if you ignore notices. If they win, a court judgment lets them pursue wage garnishment, bank levies, or property liens depending on state law. The FDCPA still limits how they may contact you and bans harassment, but it doesn't stop them from suing.

If you can't pay, act now - options include:

• Request validation: demand proof the debt is theirs and accurate.
• Check statute of limitations: an old debt may be time‑barred from suit.
• Negotiate: offer a settlement or affordable payment plan in writing.
• Seek hardship help: ask the original creditor for deferment or hardship terms.
• Get counseling or legal help: nonprofit credit counselors or a consumer law attorney can advise on bankruptcy and state rules.

Credit note and legal traps: collections report for roughly seven years from the date you first fell behind; that reporting period won't vanish if you ignore it. Statute of limitations to sue varies by state and can be restarted by a payment or written acknowledgment in some places - don't make payments or admissions until you've checked the law or consulted counsel. Keep every letter, call log, and proof.

If you're sued, respond to the summons immediately and get legal help or free legal aid. Also learn and use your rights under the FDCPA so collectors can't cross the line while you work through options like settlement, counseling, or bankruptcy (which can discharge debt but usually stays on credit reports longer).

Not inherently - agreeing to pay less can be a smart, fast way to stop collection activity and cut what you owe, but it comes with trade‑offs you must know.

Know the facts before you pay:

• Typical reductions often fall in the 30–50% range, but results vary by account.
• Credit impact: settlements usually post as "settled" or "paid settled," which can lower your score more than "paid in full."
• Tax risk: forgiven principal may be taxable and can trigger a 1099‑C for large amounts.
• Time‑barred danger: any payment or written promise can revive the statute of limitations and restart legal exposure.
• Verification first: confirm Collections Solutions owns the debt and demand validation before negotiating.
• Get everything written: the settlement letter must state the exact amount, "full satisfaction," reporting instructions, and that there will be no further collection.
• Payment safety: pay by traceable method and keep receipts.
• Ask for reporting changes (pay‑for‑delete or "paid in full"), but expect pushback.

If you choose to settle, don't pay until you have a signed agreement; document every step; and if forgiveness is large, check IRS guidance on canceled debt or consult a tax pro - negotiate like a bargain hunter, but keep the paperwork like armor.

Yes - a collector like Collections Solutions can sue you in civil court and, if they win, pursue a judgment that allows garnishment or bank levies, but they cannot have you arrested for an ordinary consumer debt and threatening arrest violates the FDCPA.

Act fast; you have options:

• Respond to any summons or complaint by the deadline - ignoring it usually produces a default judgment.
• If sued, file an answer or hire an attorney; procedural defenses or proof-of-ownership issues can stop collection.
• Demand written debt validation and dispute inaccuracies immediately.
• Document harassment or illegal threats and report threats to the CFPB.
• Remember: garnishment, levies, or liens require a court judgment in most states - not an arrest.
• Seek free or low-cost legal help from local legal aid or a consumer law attorney if you can't afford counsel.

You have options: sue in court, report the collector to regulators, and use demand letters or small-claims actions to force correction and stop unlawful collection tactics.

• Collect proof now: call logs, dates/times, voicemails, texts, collection letters, credit reports, payment records, and screenshots.
• Send a written debt-validation request and a certified cease‑and‑desist or demand letter.
• submit a complaint to the CFPB, and also report to the FTC and your state attorney general (Texas: texasattorneygeneral.gov if applicable).
• Consider small‑claims court for limited damages or a consumer attorney for FDCPA or state-law suits.

Suing under the FDCPA is common. File in federal court for harassment, false statements, or illegal contacts. You can seek statutory damages (up to $1,000), actual damages, and attorney's fees.

Act fast - the FDCPA private‑right‑of‑action deadline is one year from the violation date. State consumer‑protection laws can allow larger recoveries or longer deadlines.

• Preserve originals and certified‑mail receipts.
• Note recording laws: record calls only where legal.
• If you're sued or unsure, respond and get a consumer‑lawyer consult (many work contingency or limited scope).
• Ask for deletion of the tradeline and monetary relief in your demand letter, and keep a clear timeline for court or regulator filings.

Short answer: sometimes - you can avoid paying if the collector can't prove the account, the claim is legally stale, or the debt was discharged, but each path has rules and trade‑offs.

Demand debt validation in writing right away (under the FDCPA you have 30 days after first contact to request it); if Collections Solutions cannot produce contract-level proof, dispute the item with the credit bureaus and insist on removal. Keep copies, dates, and certified-mail receipts. If the debt is not yours, file a written dispute immediately and provide ID/evidence.

Legally, time‑barred debts (over four years in FL) can't be sued for, but remain owed; dispute invalid debts via validation. Don't make partial or written payments that could revive the statute in your state. A bankruptcy discharge can eliminate eligible debts but will harm your credit short‑term; a settlement can reduce what you pay but often stays on your report and may be taxable. For complex escapes like proving invalid assignment or statute issues, consult a consumer‑debt attorney or your state legal aid.

Start by disputing and validating the account first - use credit repair (DIY or paid) when the record is wrong or time‑barred; pay Collections Solutions directly only when the debt is clearly yours and a negotiated payoff gives concrete credit benefit.

Disputes target reporting errors (wrong amount, wrong consumer, duplicate listings, or reporting past the statute of limitations) and sometimes remove collections without any payment. Paying can implicitly 'validate' the debt, may restart reporting or revive time‑barred exposure, and usually won't erase the negative mark unless you secure a written pay‑for‑delete or settlement agreement. Credit repair can't erase legitimately accurate collections; it's best paired with payment only after verification. Think of disputes as calling a referee; paying is admitting the scorecard.

Practical next moves are short and concrete: pull your reports, verify account details, send a written debt‑validation request, file disputes for inaccuracies, and only negotiate payment if validation confirms the debt - get all settlement or pay‑for‑delete terms in writing and keep copies; consider a consumer attorney or HUD‑approved counselor if a lawsuit or complex errors appear.

• Dispute first when ownership, amount, or age is doubtful.
• Don't pay if the debt is time‑barred or unverified.
• If debt is valid, get a written pay‑for‑delete or settlement before paying.
• Credit‑repair services cost money; DIY disputes are free and effective for many errors.
• Validate, document, then negotiate.