Who is Gragil Associates?
Gragil Associates, Inc. is a debt collection agency and accounts receivable management firm based in Pembroke, Massachusetts. They are tasked with recovering unpaid debts on behalf of creditors.
If Gragil Associates is listed on your credit report as a collections account, it means that you have an unpaid bill, most likely a medical bill, which has been sent to them for collection.
Who does Gragil Associates collect for?
Gragil Associates primarily provides their collection services to the healthcare sector. They specialize in managing and collecting healthcare receivables. This suggests that if you have unpaid medical bills, these debts could be handled by Gragil Associates on behalf of the medical facility or provider.
Is Gragil Associates legit or a scam?
Gragil Associates is a legitimate company. They are legally authorized to collect debts on behalf of their clients. However, like many debt collection agencies, they may engage in persistent communication attempts, such as frequent phone calls, text messages, or emails, in their efforts to recover the debt.
How can I remove Gragil Associates 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.
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Gragil Associates, Inc. Contact Information
Address:
Gragil Associates, Inc.
29 Winter St.
Pembroke, MA 02359
Mailing address:
Gragil Associates, Inc.
PO Box 1010
Pembroke, MA 02359
Phone number: (800) 336-0299
Should I contact or pay Gragil Associates?
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 Credit reports can contain errors or list debts that are no longer valid.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 Gragil Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Gragil Associates, Inc. on behalf of their clients.
Will Gragil Associates sue me or garnish my wages?
Gragil Associates has the legal right to sue you for unpaid debts. If they win a lawsuit against you, they can secure a court judgment. Depending on the laws in your state, this judgment might allow them to garnish your wages, levy your bank account, or place a lien on your property to collect the owed amount.
However, not every debt collection agency or law firm will choose to sue or garnish wages for every debt. The decision to take such legal action often depends on several factors, including the size of the debt, the potential cost of litigation, and the likelihood of successfully collecting the debt.
Gragil Associates, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 Gragil Associates, Inc.
Debt collectors must follow state and federal laws. For example, the Fair Debt Collection Practices Act prohibits a third-party collection agency from using abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Gragil Associates, 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.
- Gragil Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Gragil Associates 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.
- Gragil Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Gragil Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing Gragil Associates collection accounts. 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.
