The Law Office of Paul Mankin

Is Valley Credit Services, Inc. Harassing You?

Valley Credit Services, Inc. is a debt collection agency headquartered in Keizer, Oregon. The agency has been in business since 1936 and collects for the healthcare, retail, utility, and telecommunications industries.

Contact Information:

626 Apple Blossom Ave N

Keizer, OR 97303-6013

Phone: (503) 585-5651

A handful of complaints filed against Valley Credit Service, Inc. with the Consumer Financial Protection Bureau (CFPB) allege that the agency attempted to collect debt that does not belong to the consumer from whom they were trying to collect it or placed collection accounts on the wrong consumer’s credit report. Another collection agency using the same name appears to be operating out of Wisconsin and some of the complaints filed with the CFPB seem to be against that company, although the agency in Wisconsin does not have a Better Business Bureau (BBB) profile.  The BBB has received 11 complaints about the company located in Oregon over the last three years. These complaints allege that Valley Credit Service, Inc. has violated the Fair Debt Collection Practices Act (FDCPA) by:

  • Refusing to send debt verification information to consumers
  • Giving confidential information to third parties about a consumers alleged debt
  • Being verbally abusive to callers by belittling them and attempting to humiliate them
  • Attempting to collect fees and interest not authorized by the original agreement

One complaint filed with the BBB alleges that the collection agency mishandled automatic payments then filed a lawsuit without properly serving the consumer. The consumer only became aware of the lawsuit after receiving a solicitation from a bankruptcy attorney offering to help with the suit filed by Valley Credit Services, Inc.

Federal and state law prohibit debt collectors from being verbally abusive to consumers, attempting to collect fees the original agreement did not authorize, and from giving your personal information to third parties. It also requires collectors to provide verification of debts and to properly serve consumers against whom they file lawsuits.

If Valley Credit Service, Inc. is using unfair or abusive practices in order to collect a debt from you, it is time to hold them accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.