Who is Western Mercantile Agency?
Western Mercantile Agency, Inc. (WMA) is a debt collection agency based in Coos Bay, Oregon. As a collection agency, they work to recover unpaid debts on behalf of their clients, typically businesses who have customers with past due accounts.
If Western Mercantile Agency appears on your credit report, it usually means that you have a debt that has been sent to collections. This typically occurs when a bill remains unpaid for an extended period of time.
Who does Western Mercantile Agency collect for?
Western Mercantile Agency works with a variety of industries to recover unpaid debts. They collect on accounts such as contracts, dental debts, financial debts (like those owed to credit unions), insufficient checks, medical debts, utilities, veterinary services, and commercial accounts.
Is Western Mercantile Agency legit or a scam?
Western Mercantile Agency, Inc. is a legitimate company. However, they may attempt to contact debtors frequently to recover the debts they’ve been charged with collecting. While their persistence might feel like harassment, they are operating within the law as long as they are adhering to the Fair Debt Collection Practices Act (FDCPA).
How can I remove Western 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.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Western Mercantile Agency, Inc. Contact Information
Address:
Western Mercantile Agency, Inc.
165 S 5th St. Suite A
Coos Bay, OR 97420
Phone number: (800) 526-3057 or (541) 267-7086
Should I contact or pay Western Mercantile Agency?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 Western Mercantile Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Western Mercantile Agency, Inc. on behalf of their clients.
Will Western Mercantile Agency sue me or garnish my wages?
Western Mercantile Agency could potentially sue for an unpaid debt. If the lawsuit is successful, and the court rules in their favor, they may be awarded a judgment that allows them to garnish your wages or take other action to recover the debt.
However, this is generally a last resort for collection agencies as the legal process can be costly and time-consuming. Before reaching this point, most debt collectors would rather work with you to set up a payment plan or negotiate a settlement.
Western Mercantile Agency, 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 Western Mercantile Agency, 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 Western 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.
- Western Mercantile Agency cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Western 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.
- Western Mercantile Agency cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Western Mercantile Agency From Your Credit Report Today!
Credit Saint offers assistance with disputing Western Mercantile Agency collections. 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.
