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Questions About a Bill

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Questions About a Bill


Valentine & Kebartas is a third party collection agency that is hired by clients to help collect on their delinquent accounts.  If you are visiting this section of our website and owe one of our clients money we would like to let you know that we are here to help you.  We understand that you didn’t ask to be in this situation and that is why our collectors are specifically trained to help you find different avenues to get your debt satisfied.  Below are some common FAQ’s we get that we felt may help you understand the credit industry more. 


In this section you will also find a link to click and speak with one of our experienced collection specialist.  When you click the link you will be asked to enter your phone number and you will connected to one of our helpful representatives via an immediate telephone call back.  Thank you for taking the time to visit our website and look forward to helping you become debt free.

Questions about a Bill you received?  Please contact:

Scott Sweeney
Senior Vice President of Operations
800-731-7766 Ext.206
Direct Email:


Frequently Asked Questions (FAQ's)
(Click on your question to see response)

Q1. What does my credit report have to do with my credit score?


Q2. What are the three credit bureaus?


Q3. How long does negative information stay on my credit report?

Q4. Why did I get turned over in the first place?

Q5. Do I have to pay a charge-off


Q6. Why am I asked to pay in full?



Q7. What if I can't pay in full?



Q8. What if I don't have the credit to borrow the money?



Q9. What if I can't borrow the full amount?



Q10. What if I can't borrow at all?



Q11. Why do you need to ask me all those financial questions?



Q12. If I'm making payments are you charging me interest?


Q13. Should I pay you or the creditor?


Still have questions?  Simply click the image below to speak to us, toll free, right now.

Valentine & Kebartas is pleased to provide the following Links intended to assist Customers and Consumers


• FDCPA  -
• FCRA  -
• CCCS  -
• Equifax  -
• Experian  -
• TransUnion  -
• myFICO  -
•  -
• Federal Reserve Bank  -
• Federal Reserve Board  -
• Free Annual Credit Report  -


Note: These links are subject to change at any time. Valentine & Kebartas, Inc. (VKI) does not endorse any of the products, businesses or entities at these sites. The links are provided for informational purposes only.

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