Creditor Advocates assists businesses with customer service support and the management of consumer accounts. Our team is dedicated to finding solutions that benefit individuals, families, our business partners, and our communities.
In all cases, attempts are made to resolve accounts before we credit report an amount due. However, people may move, change phone numbers, or have experienced other circumstances leading to a balance not being resolved.
If we are reporting your account to the Credit Bureau and you have an amount due, please contact us to resolve the account.
Looking to dispute a credit reported account?
You have the option to dispute your account here directly with us at no additional charge. If you dispute a credit reported account, we will mark your credit reported account with us as disputed and/or respond within 30 days. Any future credit reporting on the account will include a dispute flag, unless you inform us that you no longer dispute your account. If you applying for a mortgage, or other credit products requiring you to resolve your disputed balance, please contact and work with one of our representatives to resolve the dispute or the amount due and help get the paperwork you need.
Special Circumstance: Insurance Paying?
We understand that sometimes the insurance company may reimburse you directly. If you inform us that insurance is paying the claim that is being credit reported and the amount due is paid, then within 30 days of payment in full confirmation we will send a request to remove your amount due from the Credit Bureau.
You can make a payment through the mail, over the phone (during business hours), or online through your Portal Login.
Payments are made payable to "Creditor Advocates". If you are mailing in a check or using your bank's bill pay, please include your account number in the memo of the check.
Interest-Free Payment Plans. Many people qualify for an interest-free payment plan. Please login to your account to see if this options is available for you.
Hardship Payment Plans. If a standard interest-free payment plan is not available or if they don't work for your situation, please contact one of our account representatives to walk you through some possible financial hardship options.
Special Situation: Hospital Accounts. For a limited period of time after your visit, your hospital may offer Financial Assistance for those that qualify. Eligibility criteria may vary between hospitals and/or locations. Your hospital's website may contain their Financial Assistance Applications and other program information. If you would like to learn more, please contact one of our account representatives.
Insurance denied? We hear this a lot. If your insurance company denied your claim, you may have to contact them to resolve your insurance issue. Unfortunately in most cases, it is ultimately your responsibility to clear up any unresolved issues with your insurance.
Creditors routinely refer accounts to our office after they have exhausted their efforts trying to work with your insurance company. Often times, the amount due is your deductible, out-of-network visits, or an accumulation of unpaid copayments, as directed by your insurance company. Other times, your insurance company may require a referral or other pre-authorizations before they will begin to process your claim. In any event, your health insurance company is required to send an Explanation Of Benefits (EOB) providing these details.
If you feel that your insurance company was supposed to pay your amount due or any portion thereof, please contact them by using the phone number located on the back of your insurance card. Ask them if (1) they've received the claim or not, (2) why it wasn't paid, and (3) how to process the claim to get the amount due paid.
If your insurance company indicated that they would pay the amount due, please contact us and let us know how we can help process your claim. Or if you are having issues with your insurance or currently working with your insurance, please let us know.
Yes we can. Click on the link below and submit your information to remove your phone number from the account.
Please note that it may take up to 5 business days for your request to be processed. If you need immediate assistance please call our office.
If you need more details now:
Login to your portal to view additional information pertaining to the amount due now. Otherwise, you can request additional information through your online portal, by mail, or by phone.
If you previous paid the amount due:
Many times, you may have multiple accounts and/or multiple dates of service with a creditor. If you previously paid, your payment may not have been applied to the account that is now in collections. To better serve you and locate your payment, please provide as much information about your previous payment, such as payment date, payment amount, confirmation number, receipt, etc. We will go back to the creditor and attempt to track down your payment.
If your insurance should have paid:
See more information on our Insurance above. If you continue to dispute your account, if you are having issues with your insurance, or currently working with your insurance, please contact us. To better serve you and the processing of your claim, please provide as much information about your insurance issue to us.
If you dispute the amount due:
Please contact us to request an itemized statement or other documentation to be sent to you. If you dispute an individual charge, you have the option to explain why you don't think you owe it so we can better address your concerns.
If you believe we have the wrong individual:
Creditors provide us with your information obtained at the time your account was opened and uniquely identifies each account holder. This information may include your address, phone numbers, SSN, date of birth, and other personal identifying information. If you believe someone else used your personal information to open an account placed with us, incur a debt, fraudulently used your insurance, or other types of fraud, please contact us at your earliest convenience with details so that we can address your concerns.
We may request additional information to validate the circumstances surrounding the fraud, such as a police report, affidavit of identity theft, government issued identification, or other validating documentation.
For more information, please visit our ID Theft / Fraud page.
We attempt to resolve accounts before we refer selected accounts to our attorney's office. If you are now being contacted by an attorney on your account, please contact them to discuss your account options.
We attempt to resolve accounts before we refer selected accounts for legal action. If you have questions regarding your wage garnishment, please contact the attorney's office handling your file to discuss your account options.
Easy. Go to the following page and submit your concerns directly with management. Every complaint is investigated, documented, and the results are shared with the creditor or regulators upon their request.
"Know My Debt" provides answers to consumers' general questions surrounding debt, financial planning, and consumer protections.
Disclaimer: "Know My Debt" is a third party website. Creditor Advocates is not responsible for the content of any third party websites.
4719 Park Nicollet Ave SE #115, Prior Lake, Minnesota 55372, United States
08:00 am – 05:00 pm
Lobby hours vary (call for exact times):
Typically 10:00 am - 4:00 pm Weekdays
Coronavirus update: Lobby hours suspended
Closed most major holidays
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.