Who is Scott & Associates?
Scott & Associates, P.C., aka Michael J. Scott, P.C., is a debt collection agency and law firm located in Carrollton, Texas.
If you see Scott & Associates or Michael J. Scott, P.C. listed on your credit report, it typically means that a collections account has been registered under your name. This is often a result of an unpaid bill.
Who does Scott & Associates collect for?
Scott & Associates serves a broad array of clients but specializes in collecting debts on behalf of national banks and other creditors dealing with consumer debt.
Is Scott & Associates legit or a scam?
Scott & Associates, P.C. is a legitimate 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 Scott & 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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Scott & Associates, P.C. Contact Information
Address:
Scott & Associates, PC
1120 Metrocrest Drive
Carrollton, TX 75006
Mailing address:
Scott & Associates, PC
P.O. Box 113297
Carrollton, TX 75011
Phone number: (866) 298-3155
Should I contact or pay Scott & Associates, P.C.?
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 Credit reports can contain errors or list debts that are no longer valid.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 Scott & Associates, P.C. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Scott & Associates, P.C. on behalf of their clients.
Will Scott & Associates, P.C. sue me or garnish my wages?
Scott & Associates, P.C. does have the capability to initiate legal action against debtors, which could include lawsuits. If a debtor is unable to repay their debt, and if attempts to work out a repayment plan have failed, suing could be a course of action the firm might take.
If they do choose to sue and the court rules in their favor, the court may issue a judgment allowing them to garnish your wages or levy your bank account, depending on the laws of your particular state.
However, lawsuits are often a last resort due to the time, effort, and cost involved. Most debt collectors prefer to work out a repayment plan with the debtor before considering such measures.
Scott & Associates, P.C. 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 Scott & Associates, P.C.
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 Scott & Associates, PC 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.
- Scott & Associates, P.C. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Scott & Associates, P.C. 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.
- Scott & Associates, P.C. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Scott & Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing Scott & 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.
