Who is Franklin Collection Service?
Franklin Collection Service, Inc. is a debt collection agency based in Tupelo, Mississippi. This company’s primary function is to recover the money owed to its clients, typically after the original creditor has been unsuccessful in collecting the debt.
If you have an unpaid debt, and Franklin Collection Service has taken over the account, their name might appear on your credit report.
Who does Franklin Collection Service collect for?
Franklin Collection Service works with a wide range of clients. However, they primarily focus on collecting for the telecommunications and healthcare industries.
In the context of telecommunications, this could mean unpaid bills for phone or internet services. For medical collections, this often refers to unpaid hospital bills or other healthcare expenses that individuals have not paid.
Is Franklin Collection Service legit or a scam?
Franklin Collection Service is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Franklin Collection Service from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Franklin Collection Service, Inc. Contact Information
Addresses:
Franklin Collection Service, Inc.
105 S Front St.
Tupelo, MS 38804
Franklin Collection Service, Inc.
2978 West Jackson Street
Tupelo, MS 38801
Phone number: (800) 262-7590, (866) 319-0760, or (662) 844 7776
Should I contact or pay Franklin Collection Service, Inc.?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Franklin Collection Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Franklin Collection Services on behalf of their clients.
Will Franklin Collection Service, Inc. sue me or garnish my wages?
Franklin Collection Service, Inc. has the legal right to file a lawsuit against debtors for non-payment of debts. If they were to win a judgment in court, it may lead to wage garnishment or a lien on property, depending on state laws.
However, not all debt collection agencies will choose to take this route, as the legal process can be costly and time-consuming. They typically prefer to work out a payment arrangement.
Franklin Collection Service, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify an alleged debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Franklin Collection Service, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Franklin Collection Service, Inc. to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Franklin Collection Service, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Franklin Collection Service, Inc. must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Franklin Collection Service, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Franklin Collection Service From Your Credit Report Today!
Credit Saint offers assistance with disputing Franklin Collection Service collections. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
