Who is Grant Mercantile Agency?
Grant Mercantile Agency, Inc. (GMA) is a debt collection agency based in Oakhurst, California. They are tasked with collecting debts on behalf of their clients.
If you notice their name on your credit report as a collections account, it likely means you have an outstanding debt they are attempting to collect.
Who does Grant Mercantile Agency collect for?
Grant Mercantile Agency has a diverse range of clients for whom they provide debt collection services. This includes government, city, and county entities, where the debts might arise from unpaid taxes, fines, or public service fees.
They also collect utility debts, which typically result from unpaid water, gas, or electricity bills. Moreover, they handle debt recovery for county healthcare facilities, which could involve unpaid medical bills or health service fees. Other types of debts they manage include court judgments, as well as license and traffic fees.
Is Grant Mercantile Agency legit or a scam?
Grant Mercantile Agency is a legitimate company. They are authorized to recover debts on behalf of their clients. However, it is always crucial to confirm the validity of any debt you are asked to pay.
How can I remove Grant Mercantile Agency 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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Grant Mercantile Agency (GMA) Contact Information
Address:
Grant Mercantile Agency
49099 Rd 426
Oakhurst, CA 93644
Mailing address:
Grant Mercantile Agency
PO Box 658
Oakhurst, CA 93644
Phone number: (800) 477-7530 or (559) 683-4651
Should I contact or pay Grant Mercantile Agency?
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 Credit reports can contain errors or list debts that are no longer valid.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 Grant Mercantile Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Grant Mercantile Agency on behalf of their clients.
Will Grant Mercantile Agency sue me or garnish my wages?
Grant Mercantile Agency has the legal right to sue you if you fail to pay a debt. If they win the lawsuit, the court may grant them a judgment. With this judgment, they might have the ability to garnish your wages or levy your bank account, but this varies by state law.
However, litigation is often seen as a last resort due to its cost and time-consuming nature. More commonly, debt collectors aim to negotiate a payment plan with debtors.
Grant Mercantile Agency Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Grant Mercantile Agency currency has an A+ rating with the Better Business Bureau.
Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with Grant Mercantile Agency, you should also 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 Grant Mercantile Agency
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 Grant Mercantile Agency 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.
- Grant Mercantile Agency cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Grant Mercantile Agency 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.
- Grant Mercantile Agency cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Grant Mercantile From Your Credit Report Today!
Credit Saint offers assistance with disputing Grant Mercantile 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.
