Is Wakefield and Associates Hurting Your Credit?

Who is Wakefield and Associates?

Wakefield and Associates, Inc. is a third-party debt collection agency based in Aurora, Colorado. The company provides debt collection services for various industries but is particularly noted for its specialization in medical debt collection.

If Wakefield and Associates appears on your credit report as a collections account, it typically signifies that you have an unpaid bill, often medical-related, which the original creditor has forwarded to this agency for collection.

Is Wakefield and Associates on your credit report?

Wakefield and Associates may appear on your credit report as any of the following entries:

Who does Wakefield and Associates collect for?

Wakefield and Associates collects debts for companies in the following industries:

Is Wakefield and Associates legit or a scam?

Wakefield and Associates is a legitimate company. They’ve been in business since 1946, and 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 Wakefield and 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.

Wakefield & Associates, Inc. Contact Information

Headquarters address:

Wakefield & Associates, Inc.
10800 E Bethany Dr. Ste 450
Aurora, CO 80014-2697

Phone number: (866) 623-2069

Other locations:

Wakefield & Associates
830 East Platte Ave
Fort Morgan, CO 80701

Wakefield & Associates
7005 Middlebrook Pike
Knoxville, TN 37909

Wakefield & Associates
3702 West Truman Blvd.
Jefferson City, MO 65109

Wakefield & Associates
615 Hope Road, Bldg 3a, 2nd Floor
Eatontown, NJ 07724

Wakefield & Associates
110 J Street
Rock Springs, WY

Wakefield & Associates
2004 American Way, Ste 211
Kingsport, TN 37660

Should I contact or pay Wakefield and Associates?

Before contacting a debt collection company, 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 Wakefield and Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Wakefield and Associates, Inc. on behalf of their clients.

Will Wakefield and Associates sue me or garnish my wages?

Wakefield and Associates has the legal ability to sue for unpaid debts. If they choose to go this route and win the lawsuit, they could potentially obtain a court order to garnish your wages or levy your bank account, depending on the laws in your state.

However, it’s important to remember that lawsuits are typically a last resort for many collection agencies due to the costs and time involved in the process. Most agencies, including Wakefield and Associates, prefer to set up a payment plan or reach a settlement agreement before taking such steps.

Wakefield and Associates 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 a debt. If you find yourself facing any of these situations with Wakefield and Associates, 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 Wakefield and Associates

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 Wakefield and Associates to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send Wakefield and Associates a debt validation letter. By law, a debt collector has 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Wakefield and Associates, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Wakefield and Associates, 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.
• Wakefield and Associates, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Wakefield and Associates From Your Credit Report Today!

Credit Saint offers assistance with disputing Wakefield and 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.