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Valley Credit Service Inc


12907 Oak Hill Ave Ste 3
Hagerstown, MD 21742-2926

626 Apple Blossom Ave N
Keizer, OR 97303-6013

Contact Them:

Phone: (301) 797-6300
Fax: (301) 797-9041

Phone: (503) 585-5651
Fax: (503) 371-2635

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you if they know you are represented by an attorney.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. [anonymous] on July 14, 2015 at 9:37 pm

      Valley Credit Service Inc is on my credit report. Valley Credit Service Inc has never sent me anything in writing. So I called Valley Credit Service Inc; they were very rude and said they would send me a copy of the bill. I have yet to receive this or any validation from Valley Credit Service Inc, yet they still appear on my credit report.

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