How to Remove Helvey & Associates From Your Credit Report

Who is Helvey & Associates?

Helvey & Associates, Inc. is a debt collection agency based in Warsaw, Indiana. They work on behalf of creditors to collect overdue payments.

If you have neglected or forgotten to pay a bill, they may be listed on your credit report as a collections account.

Who does Helvey & Associates collect for?

Helvey & Associates primarily focuses on the collection of debts for healthcare and utility providers. Healthcare debts can originate from a variety of sources, like hospitals, clinics, or other medical providers. Utility debts could be for unpaid bills related to services like electricity, water, or gas.

Is Helvey & Associates legit or a scam?

Helvey & Associates is a legitimate debt collection company. They are authorized to collect debts 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 Helvey & 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.

Helvey & Associates, Inc. Contact Information

Address:

Helvey & Associates, Inc.
1029 E Center St.
Warsaw, IN 46580

Phone number: (855) 804-5704

Should I contact or pay Helvey & Associates, 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 Credit reports can contain errors or list debts that are no longer valid.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 Helvey & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Helvey and Associates on behalf of their clients.

Will Helvey & Associates sue me or garnish my wages?

Helvey & Associates could potentially sue you for the unpaid debt, although it’s generally not the first action they take. Typically, a collection agency will attempt to contact you multiple times to settle the debt before resorting to legal action.

If Helvey & Associates does choose to sue and the court rules in their favor, the judgment could lead to wage garnishment. However, not all debts or situations allow for wage garnishment, and rules can vary by state.

Helvey & 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 Helvey & Associates, 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 Helvey & 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.
• Helvey & Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Helvey & 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.
• Helvey & Associates cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Helvey & Associates From Your Credit Report Today!

Credit Saint offers assistance with disputing Helvey & 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.