Avante USA Collections on Your Credit Report? Fight Back and Win

Are you receiving harassing or disruptive calls from Avante USA Collections, also known as Avante USA? If so, you aren’t alone. If you’re tired of receiving a seemingly never-ending stream of phone calls from Avante USA, there are steps you can take to reclaim your time and peace of mind and potentially have the debt removed from your credit report.

Keep reading to learn about the Avante USA company and what steps you can take to stop the calls and clear your credit so you can take the next steps in your life.

What Does Avante USA Do?

This company describes itself as an accounts receivable services provider. It’s a third-party debt collector. Avante USA buys debt from other companies and works on collecting it. The goal is to recover unpaid and past-due debts through contact attempts via phone, mail, or other means. 

Is Avante USA a Scam?

This debt collection company is legitimate, and they aren’t a scam. That doesn’t mean they’re attempting to collect a legitimate debt from you. It also doesn’t mean they’re following all legal guidelines in their tactics, particularly if they’re behaving in a way that feels like harassment. 

Avante USA has a poor rating with the Better Business Bureau, which we specify below. Since March 2016, numerous complaints have been reported to the Houston & South Texas BBB. A pattern of complaints led to a current alert for the business listed on the BBB site. The company, according to reports, is reaching out to consumers and even their family members and attempting to collect debts already paid to other companies. 

The BBB also reports that Avante USA is reporting outdated and inaccurate information on consumers’ credit reports without first notifying consumers. There are allegations the company hasn’t provided debt verification before placing items on people’s credit reports, and many consumers say Avante USA never tried to contact them about a debt. These consumers say they first realized they had a debt with the company when they pulled their credit report.

As well as a negative history of complaints, Avante USA isn’t BBB-accredited. While they are a legitimate company, these are red flags.

Avante USA’s contact information is:

• Phone number: 832-476-1740
• Website: avanteusa.com
• Address: 3600 S. Gessner Rd. Suite 225, Houston, TX 77063
• Better Business Bureau (BBB) rating: D

What Are the Options To Deal with Avante USA?

When a debt collector is harassing you, it means they’re behaving in an abusive or oppressive way. If Avante USA treats you in a way that feels like harassment, you have rights available under federal law. The Fair Debt Collection Practices Act (FDCPA) is the primary federal law limiting what a debt collector can and can’t do. 

Your state might also have laws that extend beyond the protections of the FDCPA.

Under the FDCPA, which covers the collection of mortgages, medical debts, credit cards, and other debts primarily for family, personal, or household reasons, restrictions include:

• A debt collector can’t generally contact you at a time or place they’re aware is inconvenient and can’t contact you before 8 a.m. or after 9 p.m.
• A debt collector isn’t allowed legally to harass you or anyone else, including members of your family, by phone or through any other means of communication.
• Suppose a debt collector is aware you’re being represented by an attorney regarding your debt. In that case, they typically have to stop contacting you and get in touch with your legal representation instead.
• Debt collectors can’t make false statements or ones meant to mislead, nor can they be unfair or deceptive in their practices.
• Under the provisions of the FDCPA, a debt collector can’t threaten you with arrest or imprisonment.

Despite being knowingly subject to regulation under federal law, it often doesn’t stop debt collectors from using harassing strategies to try and collect. Contact an FDCPA attorney for help. 

Who Is Avante USA Collecting For?

Avante USA collects for a wide variety of companies since they do act as a third-party collector. There are also reported instances where they’ve collected for the original creditors, known as first-party accounts. Some types of companies they collect for include credit card companies, car lenders, utility and telecommunications companies, and health care providers.

The Fair Credit Reporting Act and Avante USA

The Fair Credit Reporting Act (FCRA) is an important piece of federal legislation. This law protects your rights regarding how your credit information is reported and used. You have the legal right only to have accurate information listed in your credit history. Anything inaccurate or stemming from identity theft can be disputed and removed. 

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Under the FCRA, you have the right to only accuracy but transparency and fairness when it comes to your credit information. 

If you believe there is incomplete or inaccurate information on your credit report, you can dispute it, or a legal representative can do so on your behalf. Then, once a dispute is submitted on your behalf, credit bureaus should review it and correct or remove it in a certain period of time. 

How to Remove Avante USA from Your Credit Report

There are strategies available to get a debt from Avante USA taken off your credit report. 

• You can first check your credit report for accuracy. There are three major credit bureaus: Equifax, Experian, and TransUnion. If you spot errors, contact the bureau directly and dispute them.
• Contact an FCRA attorney. 
• The FCRA attorney can review your case, review the information, and decide the next best steps, which may include disputing a debt with Avante USA. 

Any time a debt collector contacts you, it’s a good idea to speak to an FCRA attorney first before taking any other steps. Otherwise, the situation could worsen, and the statute of limitations on the debt could even start over. 

Contact Us for a Complimentary Case Review

Avante USA could be trying to collect a debt that’s not yours, or maybe you’re tired of feeling like their harassment is taking over your life. Contact the attorneys on the Fair Credit, LLC team for a free case review to experience relief and peace of mind.