Have questions? We have answers! We've developed this library of answers to common questions we receive from our customers.
FAQs
Have questions? We have answers! We've developed this library of answers to common questions we receive from our customers.
We want to make payment convenient for you, so we have 3 options to suit your needs:
Self-Service Option – Log in to our self-service portal, where you can review account details and make payment arrangements at any time.
We offer multiple payment options for your convenience:Self-Service Portal — log in to your account to review details and make payments or set up arrangements at any time.By Phone — Call us at (302) 387-0700, and a representative will assist you.By Mail — Send payments to Sphinx Consultants LLC, 16192 COASTAL HIGHWAY, LEWES, DE 19958Call Us — Give us a call at 1-888-665-0374, and we will be happy to help you.
By Mail — Send payments to Sphinx Consultants LLC16192 Coastal Highway, Lewes.
Yes. Click the “Make a Payment” button on our website to access the payment portal.
You’ll enter your account number and a basic identifier (such as your email or ZIP code) to securely access your account and complete your payment. No username or password is required.
We accept debit cards, credit cards, and ACH bank transfers through our secure payment portal. All payments are processed securely, and you’ll be able to select your preferred method when completing your payment.
We understand these things can happen and we are here to help. Call our customer support at (302) 387-0700 as soon as possible. They will help you figure out a new payment solution and support you in any way you need.
You can also log in to your account and manage your payments through your client portal.
After final payment is made, our system will automatically update the account as paid as agreed. No further collection efforts will be made on the paid-off account. You will receive a confirmation for your records. If you need extra documentation, feel free to reach out.
Yes. We offer flexible payment plans based on your situation. You can set up a plan online through your account portal or contact us to review available options.
In some cases, we may offer reduced settlement options. Eligibility depends on your account. Please log into your account to view settlement offers. If you do not see an offer in your portal you are welcome to call us as (302) 387-0700 to see what options you are eligible for.
If a payment is missed, your arrangement may be canceled and the full balance may become due. Please contact us as soon as possible so we can review your options.
To dispute this debt and preserve your rights under applicable law, please submit your dispute in writing within the time stated in your validation notice.
You may send your dispute by mail, or electronically if that option is provided in your notice. Please include any supporting documents available.
We will review your account and, if required, obtain verification from the original creditor. We will notify you once the review is complete.
Not all accounts are reported to the credit bureaus immediately.Our goal is to work with you to resolve the account while minimizing any potential impact to your credit. However, please note that if an account is not currently reported, it may still be reported in the future.
Accounts are not always reported right away.We aim to work with you first to find a payment or settlement option first. However, if the account remains unresolved, it may be reported 30 days after receiving your debt validation letter.
Unresolved debt can remain on your credit report for up to 7 years.
Resolving the account sooner may help reduce its overall impact. Our Agents are trained to help you find a solution that can help pay off the debt and help you increase your score. Call now (302) 387-0700
Once your account is resolved, it will be updated accordingly in our system.
If the account was reported, the status may be updated with the credit bureaus. You may also request documentation for your records if needed.
Credit report updates are not immediate. After a payment or resolution, it can take time for the credit bureaus to update your account. If you have questions about timing, please contact us.
No. Not every account is subject to credit reporting. Credit reporting may depend on the type of account, the status of the account, and other factors related to the account.
When a tradeline is removed from your credit report, it may positively impact your credit, but results vary depending on your overall credit profile and other factors.
When a debt is sold, the original creditor may continue to report the account as part of your credit history. The balance should be updated to $0, and the account is typically marked as sold or transferred.
Please contact one of our agents via phone or email.
302) 387-0700 | hello@sphinx.com
You can view key details about your account, including your balance, payment history, and available payment options.
You can take action by visiting our website and clicking “Make a Payment” to pay online. If you have questions or would like to discuss your account, you can also contact us directly by phone (302) 387-0700
Federal law limits when and how debt collectors can discuss a debt, especially with third parties. We verify certain information first to help ensure we are speaking with the correct person and to protect your private account information.
Sphinx may have been assigned or purchased the account from the original creditor. This means the account was originally opened with another company, and we are now responsible for servicing or collecting the balance.
You can contact our customer service during our normal business hours. Please call (302) 387-0700
We take special care to make sure all accounts are handled correctly. For any concerns please request a supervisor from our customer support line at (302) 387-0700
Please contact us as soon as possible if you believe the account may be the result of identity theft. We can review the account with you and explain what documentation may be needed to investigate the issue.
(302) 387-0700
If you do not recognize the account, please contact us so we can review it with you.
We can provide available documentation related to the account, which may include information from the original creditor and account records, depending on what is on file.
Please contact us as soon as possible if you believe the account may be the result of identity theft. We can review the account with you and explain what documentation may be needed to investigate the issue.
(302) 387-0700
If you do not recognize the account, please contact us so we can review it with you.
We can provide available documentation related to the account, which may include information from the original creditor and account records, depending on what is on file.
Depending on the account and applicable laws, legal action may be an available option if the account remains unresolved
If the account remains unpaid, it may continue through the collections process, which can include additional collection efforts like potential credit reporting and litigation if applicable.
Yes. You may request to be contacted by phone, email, or mail. We will honor your preferences as required by law.
