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

Most likely they're calling because Property Receivables Corp. believes you owe property-related charges – common culprits are overdue rent, lease damage claims, or final invoices from a property manager, a pattern that shows up often in consumer complaints. Treat the call as a collection attempt, not proof; stay calm and don't admit liability on the phone.

Check your recent property bills and bank records right away, then demand written debt validation immediately to confirm the debt and the collector's authority. Don't pay or give personal info until you get that letter; persistent calls without validation can violate the FDCPA. If the account appears on your credit or you're unsure, consult a credit specialist early to protect your score while limiting direct engagement with the collector.

They mostly collect housing-related balances - unpaid rent, lease-break and eviction costs, property-damage charges, and other fees tied to rental occupancy.

Claims typically come from landlords, property managers or apartment complexes (often multi‑family housing). Tenants frequently dispute these when collectors provide vague totals instead of itemized bills. Check your lease for collection clauses, damage rules, and who is authorized to assign debt so you know what to challenge.

If contacted, gather your lease, move‑out inspection, payment records and receipts; immediately request an itemized validation and flag any undocumented charges - lack of detail is your strongest dispute tool.

• Unpaid rent and missed rent payments
• Late fees, NSF or administrative charges
• Property damage beyond normal wear and tear
• Cleaning, repair, or replacement costs after move‑out
• Lease termination or early‑vacate fees
• Eviction court costs, attorney fees, and judgments
• Utilities billed back to the tenant (water, trash, etc.)
• Key/lock replacement or re‑keying fees
• Pest control, debris removal, or abandoned‑property charges

Yes - Property Receivables Corp. is a legitimate debt‑collector (BBB accredited in 2023) and maintains an official site at Property Receivables official website, but impostors sometimes pretend to be them so treat every demand with caution.

• Scam indicators: unsolicited urgent threats, no mailed validation, caller pressures for gift cards/crypto, caller ID spoofing, no account details, or payment requests to a personal account.
• Legit signs: a mailed/emailed validation notice with account and creditor details, a corporate phone/address that matches their site, written correspondence on company letterhead, and collection behaviors that follow FDCPA rules (no threats, no harassment).
• Red flag combo: aggressive pressure + refusal to provide written validation = likely fraud.

Verify before you pay: pause and demand written validation (FDCPA requires it), compare caller info with the company's BBB listing at BBB profile for Property Receivables, call the number on their official website, refuse odd payment methods, save all records, and report suspected impersonation to the FTC/your state attorney general and the BBB.

Use the company phone and Renton mailing address only to demand written debt validation, and always create a paper trail with certified mail.
BBB lists Property Receivables, Corp. at 981 Powell Ave SW, Ste 115, Renton, WA 98057‑2909. Their official portals and business listings show a toll‑free contact at 1‑800‑969‑3199. Call only to confirm identity or ask what they mailed; send all validation requests, disputes, and any documents by certified mail with return receipt and keep copies. (bbb.org, residentportal.propertyreceivables.com)

• Phone: 1‑800‑969‑3199
• Address: 981 Powell Ave SW, Ste 115, Renton, WA 98057‑2909
• Website: Property Receivables official site. (bbb.org, residentportal.propertyreceivables.com)

You have clear federal protections: collectors must send written proof, identify themselves, stop collection while you dispute within the legal window, and they may not harass, misrepresent, or publicly disclose your debt. (ftc.gov, consumerfinance.gov)

You're entitled to a written validation notice (usually within five days of first contact) that states the amount, the current creditor, and that you have 30 days to dispute; if you dispute in writing within 30 days the collector must pause collection until they mail verification or judgment and the original creditor's identity on request. Collectors also must truthfully identify themselves and may not use false, deceptive, or misleading representations. (ftc.gov)

Collectors cannot use abusive or harassing tactics, repeatedly call to annoy you, threaten action they don't intend, or contact others about your debt except to locate you; they also may not call at inconvenient times or places (courts and regulators commonly treat calls before 8:00 a.m. or after 9:00 p.m. as suspect), and the CFPB gives concrete limits and examples on frequency and timing. (consumerfinance.gov, ftc.gov)

Protect yourself: document every contact (date, time, rep name, script), save voicemails and texts, and send any dispute/validation request by certified mail with return receipt. Record calls only after checking your state's one‑ or two‑party consent rules.

If the collector violates the law, you can file complaints (FTC/CFPB/state AG) and sue under the FDCPA for statutory and actual damages and fees - see the FDCPA full text and rules for the statute and remedies. (ftc.gov, consumerfinance.gov)

Send a written debt‑validation demand by certified mail within 30 days of Property Receivables' first contact, demanding proof of the debt and telling them to halt collection until you receive it.

Include these items:

• Your full name, current address, and the account number they reference.
• Statement that you request validation under the FDCPA and that the debt is disputed until proven.
• Name of the original creditor and an itemized balance (principal, interest, fees, date last paid).
• Date of first delinquency and a copy of the signed contract or promissory note, if available.
• Proof of assignment/chain of title showing how Property Receivables acquired the debt.
• Request for accounting of payments, collection charges, and the legal basis for collection (license, judgment, etc.).
• Demand they stop reporting the account to credit bureaus until validation is provided; keep your certified‑mail receipt and a copy of the letter.

If they fail to produce valid documentation, they must cease collection efforts and stop reporting that debt; if they keep collecting or reporting, file a complaint (and attach your certified‑mail proof), for example file a CFPB complaint, contact your state attorney general or a consumer‑law attorney, and use the missing validation as a dispute/defense - missing proof can lead to deletion or dismissal of the account.

Start by sending a written dispute to the collector and simultaneously challenging the entry with the credit bureaus - do both right away.

Write a crisp dispute letter to Property Receivables saying the debt is not yours, demand validation under the FDCPA (request account history, original creditor, chain of title), and send it by certified mail with return receipt; at the same time file disputes with Experian, Equifax, and TransUnion and attach the same evidence. Do this within 30 days of first contact if possible. Keep copies of everything and log dates, phone calls, and names.

Required documents (attach copies, never originals):

• Copy of the collection notice or account statement.
• Government ID and proof of current address.
• Lease or rental agreement proving another party's liability or showing you weren't responsible.
• Bank/transaction records proving payments or showing someone else paid.
• Identity-theft affidavit (FTC form) and police report if identity theft is suspected.
• Signed sworn statement of non-liability or notarized denial of the debt.
• Any court judgments, dismissals, or settlement paperwork that contradict the claim.

How to send and what to say: demand validation and immediate removal if they can't verify. Tell them to stop reporting to credit bureaus until validation is complete. Send the collector and each credit bureau the dispute packet by certified mail, include the documents above, and request written confirmation and deletion if unverifiable. Save return receipts and copies. If the collector fails to validate or the bureaus don't remove inaccurate information, file complaints with the CFPB and your state attorney general, and file a fraud report at the FTC identity theft portal.

Follow-up and likely outcomes: bureaus must investigate (usually ~30 days) and will notify you of results; successful disputes typically end in deletion or correction. If they keep reporting false debt or harass you, consider a demand letter from an attorney or a small‑claims/FDCPA suit - document everything and be persistent; you can win removal and damages with clear proof.

Yes - federal law gives you clear protections so you can limit or stop Property Receivables from contacting you at work, on social media, after hours, or through friends and family.

• Work: If you tell the collector (or your employer bars calls) that workplace contact is inconvenient, they must stop contacting you at work; put it in writing for proof.
• Social media: Public posts or DMs that reveal or shame you or otherwise harass are off‑limits; abusive social‑media outreach can violate the FDCPA.
• After hours: Calls are limited to 8:00 a.m.–9:00 p.m. local time unless you explicitly agree to other hours.
• Friends/family: Collectors may only contact third parties to obtain your location information and cannot discuss your debt with them.

Document everything and act fast - collectors break rules often. Keep precise call logs (date, time, number, what was said), save texts/screenshots, and send a written cease‑and‑desist and a debt‑validation request (validation must be requested within 30 days of first contact).

Harassment via multiple numbers is a common complaint; if violations occur, file a complaint with the CFPB and your state attorney general, and consider an FDCPA attorney if you need damages or stronger enforcement.

Send a written cease‑and‑desist, keep proof, and report continued abuse so regulators can stop unlawful harassment quickly.

The law (FDCPA) bars threats, repeated calls, obscene language, public shaming, and contacting you after a written stop request; to force this, send a short letter asking them to stop all contact, mail it certified with return receipt, and keep copies. Use the CFPB sample cease-and-desist letter as your template. ([consumerfinance.gov](https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-debt-collector-…))

Document every violation and collect evidence: note dates/times, call recordings if legal in your state, screenshots of texts/social posts, witnesses, and copies of letters. If you're disputing the debt, request validation in writing (30‑day rule) and include factual examples of rude, threatening, or deceptive behavior in your complaint - regulators take patterned complaints more seriously and it can trigger enforcement or fines. If the collector keeps contacting you after they receive your written request, file complaints and consider suing under the FDCPA (statutory damages, attorney's fees possible). ([consumerfinance.gov](https://www.consumerfinance.gov/complaint/?utm_source=chatgpt.com), [ftc.gov](https://www.ftc.gov/legal-library/browse/statutes/fair-debt-collection-…))

Practical next moves: stop engaging on the phone, send everything in writing, escalate to an attorney if calls continue, and use official complaint channels so your record feeds enforcement actions. Be precise in complaints (dates, quotes, frequency); that specificity makes regulators and judges take notice and increases your chances of relief. ([consumerfinance.gov](https://www.consumerfinance.gov/consumer-tools/debt-collection/know-you…))

• CFPB (submit a debt‑collection complaint online)
• Your State Attorney General (consumer protection division)
• Federal Trade Commission (FDCPA enforcement reports)
• Better Business Bureau (company complaint/public record)
• Local small‑claims court or consumer attorney (sue for FDCPA violations)

Yes - only when the original loan/contract or state law expressly permits added interest, fees, or other charges; debt collectors may not lawfully tack on new amounts that aren't authorized. Debt collectors must disclose the current balance (including any interest or fees they claim) in their validation/collection notice, and federal guidance treats so‑called 'pay‑to‑pay' or convenience fees as unlawful unless the charge is authorized by the contract or a specific law - so always assume additions need a clear legal or contractual basis. (consumerfinance.gov)

If you see unexpected charges, demand an itemized accounting and the original contract or legal authority for each fee right away, and send a written dispute/validation within the statute's validation period so the collector must stop collection until they verify the amount. If they can't justify a fee, that's a violation you can raise with the collector, file with the CFPB or your state attorney general, and - if necessary - assert FDCPA claims in court; keep copies of everything and note dates/times of calls. (consumerfinance.gov, fair-debt-collection.com)

No - Property Receivables can't legally take your wages, freeze benefits, or seize bank funds out of the blue; they must get a court judgment first and you must be given notice of the lawsuit.

Typically a collector sues, you're served, the court enters a money judgment if you lose or don't appear, and only then can post‑judgment remedies be used: wage garnishment (court order to your employer), bank levies, or liens. Different states have specific procedures and waiting periods, so watch county court dockets and summons closely - monitoring filings lets you act before any levy issues. In property cases garnishment is uncommon unless there's an actual eviction or a money judgment tied to the rental/property dispute.

Many types of benefits are legally protected and can't be garnished; Property Receivables' own notices list exemptions like Supplemental Security Income and similar protections - see Property Receivables state disclosures. Other federal benefits (Social Security retirement/SSDI, most veterans' benefits, many unemployment payments) are generally exempt, though rules and turnover procedures vary by state. Banks sometimes place temporary holds when served, but an actual levy generally requires a judgment and court paperwork; you can demand a hearing, provide proof of exempt funds, and ask the bank to release protected amounts.

Practical steps: check your mail and county court online daily; if served, file an appearance or answer and claim exemptions immediately; request debt validation and preserve all communications; contact a local legal aid or consumer attorney for a quick exemption motion if a levy or garnishment is threatened; consider negotiating only after you know the collector has a valid judgment. I've got your back - act fast, document everything, and contest any attempt that lacks a court judgment.

Their BBB record shows accreditation since 2023 but no public letter-grade rating, and the complaint pattern is a clear caution flag. Accredited status means they met BBB basics, but the absent rating limits transparency and you should treat reports skeptically until you verify details yourself.

BBB shows 27 complaints over three years, with 11 in the last 12 months, mostly about validation failures, being chased for the wrong accounts, and harassment; many entries note the matter was closed after the collector stopped contacting the consumer. See the company profile for specifics at Property Receivables BBB profile.

Interpretation: rising recent complaints suggest either growing disputes or worsening collection practices, so assume heightened risk. If they contact you, immediately demand written debt validation, document everything, dispute any incorrect items with the bureaus, and send a written cease-and-desist if harassment continues; consult a consumer attorney if violations persist.

Yes - consumers have sued Property Receivables under the FDCPA, but consumer FDCPA suits exist while large nationwide class actions remain rare. (pacermonitor.com, dockets.justia.com)

One well-documented matter (Kim v. Property Receivables) was filed May 10, 2024 and shows a notice of settlement/dismissal activity later in 2024; another (Addleman) was removed to federal court in May 2025, showing ongoing individual litigation rather than a single massive class suit. Patterned validation‑failures or repeated F.D.C.P.A. practices are the real risk because they can attract grouped claims or multi‑plaintiff suits. (pacermonitor.com, dockets.justia.com)

If you want live updates, monitor federal dockets (for example, search PACER dockets) and save copies of every letter and call log. If you've been harmed by bogus demands or missing validation, contact local legal aid or an FDCPA attorney - small collectors rarely face class suits initially, but individual wins can trigger broader actions, and a lawyer can tell you if your situation is aggregatable.

• Treat this as urgent: verify the notice, demand proof, and protect your credit right away.
• Note the account number, original creditor, amount, mailing date, and sender's contact info.
• Send a written debt‑validation request by certified mail (keep the receipt).
• Pull your credit reports to see if the tradeline already appears and note dates/amounts.

Ask the collector for chain‑of‑title, the original lease or contract, itemized charges, and proof you owe it (signed lease, move‑out report, security deposit accounting). Don't admit the debt or promise payment until you've seen verification. Save every communication, calendar call dates, and keep copies of bank records, receipts, and messages that back your case.

If the debt is on your credit report, dispute inaccurate entries with the bureaus and the furnisher; attach your supporting documents and reference the collector's failure (or success) to validate. If validation isn't provided or the entry is wrong, follow up with a written dispute and request deletion; if the collector persists or harasses you, document violations and consider filing with the CFPB or your state attorney general - and consult a consumer‑credit attorney before responding to lawsuits.

• Short checklist: mail validation request certified, pull reports, gather lease/payment proof, and file disputes with bureaus/furnisher.
• If you can't validate: demand deletion, escalate to CFPB/state AG, and get legal help if sued or facing garnishment.

Ignoring collection attempts is risky: it can lead to a lawsuit, a judgment against you, and deeper damage to your credit score.

Collectors may file suit if you don't respond; a court judgment can enable wage garnishment, bank levies, or liens depending on your state. They can also report the account to credit bureaus, which usually drops your score and stays on file for years. Even if you genuinely can't pay, not answering increases the odds they win by default.

Don't assume silence stops them. Send a written request for debt validation and, if needed, a short hardship letter explaining you can't pay now and asking for pause, reduced payments, or a payment plan. If the debt is old, check the statute of limitations before making any promises - acknowledging time‑barred debt can reset that clock.

You have options besides paying in full. Negotiate a lump‑sum settlement, a pay‑for‑delete agreement (get it in writing), or dispute inaccurate entries on your credit report. A professional credit review can sometimes reveal reporting errors that lead to removal without payment, but vet any company carefully and weigh costs versus likely gains.

Act fast: respond in writing, keep copies and certified‑mail receipts, monitor your credit reports, and if you're sued contact a consumer attorney or free legal aid right away.

Not necessarily - negotiating can save money and get the file resolved, but only if you lock the deal in writing and avoid traps that revive legal exposure.

Negotiation has a *possible benefit*: reduced payoff, faster resolution, and sometimes removal from your credit report if the collector agrees to deletion. Not inherently bad if documented in writing, but may restart statute of limitations; unique: In property debts, negotiate based on lease disputes for better leverage, but ensure settlement includes credit deletion. Ask for specifics: exact dollar, what the account will be reported as, and a full release of claims.

Do not pay or admit liability until you have a signed settlement that promises deletion and release. Demand debt validation first. Pay by a traceable method and keep every file. If the debt is time‑barred, beware - even a partial payment or written acknowledgment can restart the clock, which is a *significant risk*. When in doubt or the balance is large, get a consumer attorney before agreeing.

No - ordinary civil debt won't land you in jail, but Property Receivables can sue you and, if they get a court judgment, use remedies like wage garnishment, bank levies, or liens.

Myth‑busting quick list:

• They can file suit, often after the 30‑day validation window if you don't dispute the debt.
• A judgment is the gateway to garnishment or levies - not an arrest.
• Suits are common for unresolved rental or tenant claims.
• Ignoring a summons almost always leads to a default judgment against you.
• You have FDCPA rights: request validation, dispute inaccuracies, and raise time‑bar (statute‑of‑limitations) defenses.
• State law sets exemptions and limits on garnishment and on what creditors can seize.

Act fast: send a written validation request, don't ignore a court summons, and file an answer or contact a consumer/tenant attorney or legal aid immediately to avoid default; remember - no jail for failing to pay a civil debt, but losing in court can cost you money and your bank access.

You can stop illegal collection and recover money by filing government complaints and suing under federal and state consumer-protection laws.

Act fast and build a paper trail. Mail a written debt-validation request within 30 days of first contact and send everything by certified mail. Save texts, emails, call logs, voicemails, screenshots, and credit reports with dates. Note exact words they used and who called. Check your state's recording law before taping calls.

Use enforcement routes that complement a lawsuit. File a CFPB complaint and complain to your state attorney general or local consumer-protection office. You can sue under the FDCPA for statutory damages (up to $1,000 per individual claim), plus actual damages, costs, and attorneys' fees; small-claims court is an option for smaller losses, and class or injunction claims work when there's a pattern. Leverage the collector's complaint history to strengthen negotiations or court filings.

If you want legal help, consider counsel experienced in debt-collection defense and consumer claims; find consumer protection lawyers who handle FDCPA suits. Move quickly - statutes of limitation vary by state - so preserve evidence and consult counsel to choose small claims, federal FDCPA litigation, or statutory/state remedies that best fit your case.

Yes - you can sometimes clear a Property Receivables entry without paying, but only by proving the account is invalid, time‑barred, or incorrectly reported; ignoring it can lead to a lawsuit or a judgment.

Start by demanding written validation within 30 days (FDCPA); force them to show chain‑of‑assignment, original contract, account numbers, and payment history. If they fail, dispute the tradeline with the bureaus and send a written dispute to the collector by certified mail; document every contact and keep copies. For practical guidance on your rights and dispute steps, see CFPB debt collection resources.

Check whether the debt is time‑barred under your state's statute of limitations - a valid defense to a lawsuit, not an erasure of the debt; making a partial payment or admitting the debt can restart the clock in many states. For specifics on time limits and risks, consult state statute-of-limitations on debt. If you're sued, respond immediately; collectors can obtain judgments that allow garnishment or levies. For plain‑language consumer tips and sample letters, review the FTC guide on debt collection.

If the listing is questionable or incomplete, start with credit repair; if the debt is valid, recent, and you can get a written, favorable payoff, paying directly is usually faster.

Credit repair helps when accuracy is in doubt. Disputes can force removals or corrected reporting faster than a payoff that leaves a paid collection on your file. For property-related accounts, repair often uncovers lease, reporting, or ownership errors that collectors miss - which can save money and boost your score more than simply paying.

• Credit repair - best when: you suspect errors, reporting dates are wrong, or the collector can't validate; low cash outlay; potential full removal.
• Paying directly - best when: debt is clearly valid, recent, and you can negotiate payoff or pay-for-delete; immediate legal risk reduction.
• Repair downside: can take weeks to months and needs evidence; some firms charge fees.
• Pay downside: may not remove the tradeline (it becomes 'paid' not deleted) and can cost more.
• Hybrid: dispute reporting while negotiating a documented settlement or pay-for-delete.

Immediate practical steps: pull all three reports (AnnualCreditReport.com), note dates/amounts, send a 30‑day debt‑validation request in writing, and simultaneously file disputes for inaccurate items. If validation fails, push for deletion via disputes or a repair strategy; if it validates and you owe, insist on written pay-for-delete or a settlement before paying.

If you want a single next move: order your reports now, screenshot the listing, send a written validation request to Property Receivables, and decide after their response whether to pursue DIY repair, a paid repair service, or a negotiated payoff with a written agreement.