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Debt collectors like Dynamic Collectors, Inc. cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Dynamic Collectors violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Dynamic Collectors, Inc.?

Dynamic Collectors is a locally-owned, third-party debt collection agency based in Chehalis, Washington. Founded in 1989, the agency primarily serves Washington-based businesses and is not accredited by the Better Business Bureau (BBB).

Dynamic Collectors’ Address, Phone Number, and Contact Information

Dynamic Collectors is located at 790 S Market Blvd, Chehalis, WA 98532. The main telephone number is 360-748-0420 and the main website is www.dynamiccollectors.com/

Phone Numbers Used by Dynamic Collectors

Like many debt collection agencies, Dynamic Collectors may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Dynamic Collectors may be calling you from:

  • 360-587-4248
  • 360-740-8581
  • 360-748-0420
  • 360-748-0421
  • 800-464-3457

Dynamic Collectors Lawsuits

If you want to know just how unhappy consumers are with Dynamic Collectors, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display nearly 60 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Dynamic Collectors Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Dynamic Collectors is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Dynamic Collectors violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Dynamic Collectors took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Dynamic Collectors, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Dynamic Collectors continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and a potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Dynamic Collectors is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide their citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Dynamic Collectors’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Dynamic Collectors violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.

What if Dynamic Collectors is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If Dynamic Collectors is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Dynamic Collectors

Based on 70 reviews on Google, Dynamic Collectors receives a 1.6-out-of-5 rating. Here are some of the reviews on Google:

  1. It is weird these people keep calling and leaving messages but they don’t say who they are calling for or what debt is owed. This sounds like a scam to me. You would think we’d know if we had an outstanding debt so their continually calling just seems fishy.”
  2. Horrible collection agency! They said my account was paid off three times before asking for more money the very next month. Keep your receipts when dealing with this company.”
  3. Just like other debt purchasing companies…their practices are shady and unprofessional. You don’t want to do business with them or any similar companies. The practice of buying debt (particularly medical debt) should paint a pretty clear and concise picture as to who you’re dealing with.”

What Our Clients Say About Us

Mike Agruss Law has over  825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Mike Agruss Law was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Dynamic Collectors Sue Me?

Although anyone can sue anyone for any reason, we have not seen Dynamic Collectors sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Dynamic Collectors has threatened to sue you, contact Mike Agruss Law as soon as possible.

Can Dynamic Collectors Garnish my Wages?

No, unless they have a judgment. If Dynamic Collectors has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Dynamic Collectors has threatened to garnish your wages, contact our office right away.

Dynamic Collectors Settlement

If you want to settle a debt with Dynamic Collectors, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Dynamic Collectors remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from Dynamic Collectors for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Dynamic Collectors, we at Mike Agruss Law are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said to stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.
  2. What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.
  3. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.
  4. What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.
  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No.  Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.
  6. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide their citizens an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.
  7. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.
  8. What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/

Share your Complaints against Dynamic Collectors Below

We encourage you to post your complaints about Dynamic Collectors. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Dynamic Collectors over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all. 

Phone Numbers Used By Dynamic Collectors, Inc

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Submitted Comments

Alice
3 months ago
I am being sued by Dynamic Collectors Inc. i need help because they will not give me any information
Jonathon
4 months ago
Dynamic Collectors INC filed a garnishment against me for medical-related debt without me receiving a notice until it was too late, and now that the garnishment is over they are stating I still over them over $3000 additional debt. I cannot afford to pay anything else after my garnishment, I am quite literally broke and bankruptcy is my next option. I\'m desperate for any assistance you could provide.
Katie
5 months ago
Hello. I am not sure I did the right thing by paying this fine (it was a way to get this case with the clallam district court dismissed) but I feel like it is wrong to be served/be sued for a health related fee. I didn\'t know I had this owed and I keep up to date on my olympic medical bills through their portal. Do I have any rights? It was a $250 health fee and I paid over $600 to get it dismissed. Thank you for your review.
William
6 months ago
Dynamic Collections keep calling But they not saying who they are. I was able to find out through caller ID. I have call screening on my phone. The brief message they leave is: Hi there. My name is Penny. I\'m calling on a recorded line turned into William Bryant. I am at the end of my life, with heart & Kidney Failure, only have SS retirement income, my medical bills have been astronomical the last 4 years. I have not received anything in writing from this company.
David & Patricia
7 months ago
Continuance from my original explanation I meant to say they filed the lawsuit on August 1, 2023, and didn\'t have us served until mid-September. They never contacted us prior to being served regarding the lawsuit. I never heard of Dynamic Collector\'s until now. I found your website and I\'m hoping that you can help us in some way. Any advice or suggestions is greatly appreciated. Thank you.
Maxwell
7 months ago
I received a court letter saying dynamic collectors is trying or going to (not sure) garnish my wages.
Samantha
8 months ago
My mother ( I am power of attorney), whom is disabled due to a head injury, was recently served paperwork for a lawsuit that Dynamic Collections has started against her for an unpaid MRI with TRA (total- $221) from back in 2019 when she was on Medicaid (Molina denied payment). She is now on social security disability. They are now suing for over $600, which she cannot afford. The process server that came to her home told me that he had been dropping off several similar suits just that day. I believe that what they are doing is predatory, and would like to see what type of assistance you may be able to offer for this? My mother is VERY low income and this debt would be burdensome. We tried to request a reconsideration, but insurance stood by that they did not consider themselves responsible. We also applied for financial assistance through the organization, who denied waiving any of that payment as the debt was over 90 days old. Going to court to fight this would be way too much for her as well. Please let me know if you can help. Preferred method of contact is e-mail as I work long hours throughout the week. But if you call and leave a detailed voicemail, I will return your call as soon as possible. Thank you very much for your time. Samantha Beavers on behalf of Kimberly Baxter
Maria
9 months ago
I had my wages garnished by dynamic collectors for 60 days (garnishment started 5/15/23) on something dated from 4/2/2014. They reached out to me today 9/11/2023 to try to set up a payment plan for the balance of what they say I owe. When I told them what I was reasonably able to pay ($50 a month) they said to rebook at my Financials as the least they could accept is $225 a month or they would start another 60 day garnishment.
Becky
9 months ago
I prefer to communicate through email. I recieved a certified letter yesterday from dynamic collectors informing me of a wage garnishment for a judgement in the amount of 13000, of which 6000 is interest and fees. These are medical bills and apparently we were served in 2016 with the judgement. (It was handed to a brother on law and we never recieved it) can anything be done??
Justin
1 year ago
Good afternoon, I am an Iraq combat veteran rated by the VA as 100% permanent and total disabled as a result of injuries in country. I was served a lawsuit yesterday 5-15-23 for costs of care at civilian medical centers that have since been pursued by a group called Dynamic Collectors Incorporated, out of Chehalis. I was at the time getting my care through the community care program as I live in a rural area. As this was taking place authorization numbers would be provided by the VA to the local facilities to include Summit Pacific Medical Center. Based on my rating and the fact that authorizations had been made available all of my primary care and that referred by primary care should have been covered. I personally understand that it can be a time consuming process dealing with the at times Byzantine bureaucratic system. It however is still the responsibility of any collections to attempt a billing from the VA. It appears what took place were several mistakes in the billing and coding department at SPMC, which is understandable and can happen. This Dynamic collectors has refused to speak with the VA on the matter. With their explanation being they won\'t talk on a recorded line, and all VA calls are recorded. The VA representative for collections spent quite some time on the phone today with them and the office the paperwork says is their legal representative. The phone number for the lawyer however was just another phone number leading to the collections agency. So the VA representative looked up the lawyer by name and they don\'t even work for the aforementioned company. In speaking with other veterans and civilians who\'ve dealt with this company this seems to be par for the course. In other words they seem to be performing a scam. The VA will continue on this matter and get back to me in the following days, specifically they are looking to get a hold placed on this while the matter is investigated, additionally I\'ve spoken with the Patient Experience Specialist at Summit Pacific Medical Center and they are doing the same. In other words the original parties involved are looking in to the matter, the group dynamic collectors though refuses to speak with the VA and when I\'ve spoken to them they lied directly about how these matters are resolved then explained that they do this all the time with veterans, wherein they get settlements from them. I asked if they ever have it done with the sum being owed as a zero, but they refused to answer and were saying that I was interrupting them, to which I said I\'ll be silent until they explained, then they refused to do so. In other words it was not possible to get anything done with them nor their legal council who, once again the phone number led right back to them. I would greatly appreciate any help possible on this matter as they haven\'t given me much time, 20 days from the date served, yesterday 5-15-23. Thank you for your time, Justin Ellenbecker
Ginger
1 year ago
I owe two small medical debts one for less than $200 and one for just over $200. I received a notice I was being sued for the debt. I was and am going through extreme financial turbulence, I am now in the position to begin paying down my debt, I was informed that there are $1000 in fees I also owe. I am not paying these, it\'s absolutely outrageous. Is there anything you can do to help?
Alishia
1 year ago
I\'m being garnished after already having a payment plan in order. The tickets go back over 10 plus years and I\'ve been treated very disrespectful by them and I know that they are on my credit report please help me rid them of my life
Andrew
1 year ago
So when i was in a bad point in my life that ended with me doing 3 n half years in prison, when i got out 10/03/2019 (ive been out since and have changed my life and who i am now) i tried getting my license but was told i could not because of collections, i reached out to 2 different collectors and was told i owed around 4grand between the both, i paid off 1 couple years ago but was still making 50$ monthly payments with Dynamic collectors because they told me if i didnt then i would lose my license or garnish my paychecks and i had been paying them for over 2years, i had asked for all of my account statements because they told me i had 4 with them i never did recieve a statement and i finally ended up making a last payment in full for the rest of what i owed that was bout 4 months ago. When i was making payments i would call every month and pay over phone, but couple times they double charged me, like i called on the 7th and then they charged me again on the 28th of the same month and would proceed to tell me they cant refund me and would just use it for the next month when i did not agree with that. Now after its been a couple months since i payed them off i got a voicemail from them a month ago, but it only said \" this is ------ im calling from DCI please give me a call back at 8004643457\" and that was it. I have not called them back and have recieved couple more calls from them since. I did save that first voicemail and still have it. I didnt think i could do anything about it until i just entered DCI with there # to search and found this. If my case sounds like something you guys are interested in please feel free to contact me via email or phone Thankyou Respectfully Andrew McMillan
Andrew
1 year ago
So when i was in a bad point in my life that ended with me doing 3 n half years in prison, when i got out 10/03/2019 (ive been out since and have changed my life and who i am now) i tried getting my license but was told i could not because of collections, i reached out to 2 different collectors and was told i owed around 4grand between the both, i paid off 1 couple years ago but was still making 50$ monthly payments with Dynamic collectors because they told me if i didnt then i would lose my license or garnish my paychecks and i had been paying them for over 2years, i had asked for all of my account statements because they told me i had 4 with them i never did recieve a statement and i finally ended up making a last payment in full for the rest of what i owed that was bout 4 months ago. When i was making payments i would call every month and pay over phone, but couple times they double charged me, like i called on the 7th and then they charged me again on the 28th of the same month and would proceed to tell me they cant refund me and would just use it for the next month when i did not agree with that. Now after its been a couple months since i payed them off i got a voicemail from them a month ago, but it only said \" this is ------ im calling from DCI please give me a call back at 8004643457\" and that was it. I have not called them back and have recieved couple more calls from them since. I did save that first voicemail and still have it. I didnt think i could do anything about it until i just entered DCI with there # to search and found this. If my case sounds like something you guys are interested in please feel free to contact me via email or phone Thankyou Respectfully Andrew McMillan
Aggie
1 year ago
Dynamic s trying to collect debts that were paid to another collection agency. I havnt been able to renew my tabs because of this and it\'s caused me tickets and undue stress. Also, my mother just passed and i had lots of running errands. Always wondering if ir was my day to get pulled over. My #3605366867
Lisa
1 year ago
Dynamic Collection Agency made payment arrangements with me May 2021 for $50 a month for 2 medical accounts for 1 foot doctor Vancouver WA the total of the 2 accounts was approx $650. To date I\'ve paid $950 by my records. When I asked Dynamic Collection Agency about the accounts being paid off by phone call 9-26-22 they said I had paid over $1000 and I owed over $400 more for several other accounts I hadn\'t heard of. I asked for statements to be sent to me. I got none. I called again on 11-15-22 and they mailed me statements showing they had moved my payments around to show I still owed on the original foot doctor accounts BUT they are PAID OFF. Per their phone call 9-26-22 they said it was paid off. But they can\'t give me statements to show what I\'m paying for or where my money is going. Can you please help? Thank you.