How to Pay Your Hillcrest Credit Agency Bill: A Step-by-Step Guide

When you owe money to a collection agency like Hillcrest Credit Agency, it can be stressful. But not paying or paying late will make things worse because of late fees and credit damage. This complete guide explains how Hillcrest Credit Agency bills work, how to pay them, how to avoid more late fees, and how to get help if you can’t pay the full amount due.

Understanding Your Hillcrest Credit Agency Bill

If the original creditor, like a doctor, hospital, or utility company, hasn’t been able to get paid for an account, they can sell or assign the debt to Hillcrest Credit Agency so that they can collect it. If you get a bill from Hillcrest Credit Agency, it means that they can now go after the money that is past due on your account.

Key details on your Hillcrest Credit Agency bill

Original Creditor – The provider you initially owed for services,
Account Number – The number assigned to uniquely identify your debt account.
Balance Due – The total amount outstanding you still owe.
Due Date – The date your payment must be received by to avoid additional late fees.
Remittance Address – Where to mail or deliver your payment.

Carefully review your statement and contact Hillcrest if any details appear incorrect before making payment.

Payment Options from Hillcrest Credit Agency

Hillcrest offers several ways to pay your outstanding balance conveniently. Consider setting up automatic payments to ensure your bill always gets paid on time each month.

Pay Online

The quickest way to pay is through Hillcrest’s online payment portal. You can pay one-time or setup recurring automated payments.

To pay online:

Go to the payment portal and enter your account number.
Choose your payment amount and method.
Provide your details and submit the payment.
You will receive a confirmation email showing payment received.

Online bill pay is fast, easy, and available anytime.

Pay by Phone

Call Hillcrest’s automated payment line at (800) 240-3181 to make a payment by credit card, debit card, or electronic check over the phone.

To pay by phone:

Have your account number, payment info, and amount ready before calling.
Follow voice prompts to route your call and process payments.
Enter details as requested and your payment will be immediately applied.

Phone payments take just a couple minutes once you reach the payment system.

Pay by Mail

You can mail a check or money order using your remittance stub and envelope from your Hillcrest statement. Allow several days for delivery time.

To pay by mail:

Detach and complete the payment stub from your bill.
Make checks payable to Hillcrest Credit Agency.
Send to the remittance address printed on your statement.
Mail at least 7-10 days before your due date to ensure on-time delivery.

Just be sure to account for mailing time so your payment is not late.

Pay in Person

You can pay your Hillcrest Credit Agency bill in person with cash, check, or card at their local office during business hours.

To pay in person:

Bring your current statement showing your balance due.
Go to the Hillcrest office location during open hours.
Present your payment and receive a receipt documenting payment.

In-person payment allows you to pay with cash and get instant payment confirmation.

Automatic Payments

For guaranteed on-time payment, enroll in auto-pay through Hillcrest’s online portal or contact their office to have your bill paid automatically from your bank account each month.

With auto-pay in place, your Hillcrest account is always paid on the due date without any effort on your part.

Avoid Additional Late Fees and Interest

To avoid new penalties or collection actions, be sure to:

Pay at least the minimum amount due by the due date each month.
Include your account number on checks or use your payment stub.
Pay extra toward your balance whenever possible to pay it off quicker.
Contact Hillcrest immediately if you cannot make a payment on time.

Work in good faith to eventually repay your Hillcrest balance in full while keeping payments current.

Consequences of Non-Payment

It’s important to understand the potential impacts of not paying your Hillcrest Credit Agency balance:

Late fees around $25-50 can be charged for each missed or partial monthly payment.
Interest charges up to the state maximum may accrue on unpaid balances.
Your account could be referred to a collection attorney, leading to potential lawsuit.
Your credit reports will show a past due collection account, damaging your credit score.
Hillcrest can pursue collection actions like wage garnishment on unpaid debts.

Avoid extra fees, credit impacts, and collection efforts by staying current on your required monthly payments to Hillcrest Credit Agency.

Assistance Options if Unable to Pay in Full

If you are struggling to pay your Hillcrest bill in full due to financial hardship, contact them immediately to explain your situation and request help:

Payment plans spread out your balance over months to make it more affordable.
Settling for less than full balance is sometimes accepted if negotiated.
Hardship programs are available in some cases of illness, job loss, divorce, etc.

Be upfront about your circumstances and ability to pay so they can work with you on a suitable arrangement and avoid further collections or legal action.

Don’t ignore bills and debt in collection thinking it will just go away. Stay proactive in communicating with Hillcrest Credit Agency to resolve your outstanding balance through monthly payments or an acceptable compromise that works for your budget and situation.

Keep Your Hillcrest Account in Good Standing

Having an unpaid collection account can negatively impact your finances and credit for years. Use this guide to understand your Hillcrest Credit Agency bill and quickly establish payment arrangements if you owe a balance. Being proactive in repaying debts, even if you can only afford the minimum due, is essential to avoid credit damage and additional fees. Contact Hillcrest right away if you anticipate difficulty making monthly payments so they can assist you in keeping your account current as you work in good faith to eventually repay what you owe.

Hillcrest Credit Agency Bill Pay

With 14 years of experience we get the job done right!

Hillcrest is able to review a clients current internal collection process and evaluate how to (and when to) transfer accounts for collection services. Once the work flow has been designed, Hillcrest can utilize a specialized collection process that we have developed by working over 3 million residential accounts. Collection services include complete skip tracing, asset and liability investigation and report, debtor talkoffs, fraud investigation, and complete credit reporting.

How to get started

Donât throw your money, and profitability, out the window. Hillcrest Davidson & Associates analyzes your current internal collection processes and will evaluate how and when to transfer accounts for collection services. Once placed, our proven recovery techniques involve the latest technologies and a precise work flow from client to agency. Start your successful partnership with the best-in-class recovery agency by contacting us today at 866-524-9866.

Pay Your Bills With Your Bill Statement Payment Coupon | Pay Your Bills Without Using Money

FAQ

What happens if you never pay collections?

If you never pay a debt in collections, the immediate consequence is a significant negative impact on your credit score. This derogatory mark can stay on your credit report for seven years, affecting your ability to secure loans, credit cards, and favorable interest rates.

What happens if I pay the original creditor instead of collection?

Generally, paying the original creditor rather than a debt collector is better. The creditor has more discretion and flexibility in negotiating payment terms with you. And because that company might see you as a former and possibly future customer, it might be more willing to offer you a deal.

Should you pay a debt collector?

Never Pay a Collection Agency Directly Without Determining the Legitimacy of the Debt. Sometimes, a debt collection company may reach out to you mistakenly or illegally. A debt collection call also could be a scam. Never pay the money without first investigating the legitimacy and legality of the call.

Who is Hillcrest credit agency?

With 30 years of experience, Hillcrest Credit Agency is one of the largest collection agencies in Kentucky. We are licensed in Kentucky and Tennessee and service over 300,000 accounts from a wide variety of clients.

How do I pay my Hillcrest Bank loan?

If you have any other form of payment, you might need to manually update the payment amount. Quick Pay is a FREE online payment service that offers you a fast and convenient way to pay your Hillcrest Bank loans directly from any checking or savings account.

What is Hillcrest Bank Quick Pay?

Hillcrest Bank Quick Pay is a FREE online payment service that offers you a fast and convenient way to pay your Hillcrest Bank loans directly from any checking or savings account. Our site provides two payment options; make a one-time payment or setup reoccurring payments.

How much money does Hillcrest represent in accounts receivable?

In total, we represent over $80 million in accounts receivable. To learn how Hillcrest can assist you, call 270-745-1470 or 800-240-3181. Hillcrest Credit Agency