If you’re wondering how best to proceed with a debt collector like AWA, we’ve got you covered. What Is AWA Collections?ĪWA Collections isn’t a well-known name, but it is a legitimate one. You can contact AWA Collections at their mailing address:ĭickson, TN 37055 Steps to Remove AWA Collections from Your Credit Report Short for Adler Wallach and Associates, Inc., AWA is a small debt collector that has been operating since 1993, according to its BBB profile.ĪWA’s corporate offices are in Orange, California, while its client services are based in Dickson, Tennessee. Now that you have a better idea of who AWA is and are familiar with the FDCPA, it’s time to get to work removing the debt collector from your credit report. Write a Debt Validation LetterĪccording to the Fair Debt Collection Practices Act, a debt collector can’t require payment from you without first validating your debt.įrom the first time AWA contacts you, you have 30 days to dispute your debt and ask for more information. You could get the entry deleted with nothing but a debt validation letter. If you’re the victim of a reporting error, this strategy is the best way to straighten things out. But it’s also a smart move when the debt AWA is seeking to collect does belong to you.Īgencies like AWA are third-party collectors, meaning they might not have what they need to back up their collections attempts. Without proof of your debt, they’ll have to update the three main credit bureaus to have your entry deleted. That means they’ll stop calling and sending you letters, too.ĪWA may very well have the documentation it needs to validate the debt, but it’s worth a shot. Say AWA was able to validate your debt, or they’ve been contacting you for longer than a month. When debt validation isn’t a viable option, it’s time to break out your debit or credit card.īut you shouldn’t just log on or pick up the phone and pay the amount you owe. It might end AWA’s barrage of phone calls, but it won’t do your credit much good, which is the biggest concern. Instead, you need to get the agency to agree, in writing, to withdraw their collection entry from your credit report if you submit payment. When you enter negotiations with AWA, start by seeing if they’ll accept 50% of what you owe to close your account and work from there. There’s a solid chance that you’ll be able to get the entry off at a negotiated rate. Once again, be sure to get everything in writing, so you and AWA are on the same page. You should see the entry deleted from your report within a month of making your payment. Hire a Professional Credit Repair Company
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