If Allen Daniel Associates appears on your credit report, it likely means a collection account has been added. Collections can lower your credit score and stay on your credit report for up to seven years. But there are steps you can take to address the issue—and possibly have it removed.
Who Is Allen Daniel Associates?
Allen Daniel Associates, Inc. (ADA) is a debt collection agency based in Waltham, Massachusetts. They collect unpaid debts on behalf of other businesses. If their name appears on your credit report, it means they are trying to recover an outstanding balance you may owe.
Who Does Allen Daniel Associates Collect For?
Allen Daniel Associates works with several industries, including:
- Commercial businesses: Recovering unpaid B2B debts.
- Healthcare providers: Collecting overdue medical bills.
- Municipal entities: Managing unpaid taxes or fines.
- Utility companies: Collecting delinquent utility bills.
If you’ve fallen behind on payments in these areas, ADA may be the company contacting you.
Is Allen Daniel Associates Legitimate?
Yes, Allen Daniel Associates is a legitimate debt collection company. They are authorized to collect debts for other businesses. But you should always verify the debt before making any payments. Credit report errors and outdated accounts are common.
How to Remove Allen Daniel Associates From Your Credit Report
A collection account can hurt your credit score, but there are ways to address it:
- Dispute Inaccurate Information: If the details are incorrect, file a dispute with the credit bureaus. They must investigate and correct any mistakes.
- Request Debt Validation: You have the right to ask ADA to prove the debt is yours and confirm the amount. If they can’t validate the debt, they must remove the account.
- Negotiate a Pay-for-Delete Agreement: Some collectors will agree to remove the account from your credit report in exchange for payment. Always get this agreement in writing.
- Work With a Credit Repair Service: Professionals can challenge inaccurate collections and help you improve your credit faster.
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Should You Contact or Pay Allen Daniel Associates?
Before contacting ADA or making a payment, confirm the debt is valid. Many people discover inaccurate or outdated collection accounts on their credit reports. Making a payment can also restart the clock for how long the debt affects your credit.
Working with a credit repair company can help you handle the situation properly.
Can Allen Daniel Associates Sue You or Garnish Your Wages?
Allen Daniel Associates has the legal ability to sue for unpaid debts. If they win a lawsuit, they may be able to garnish your wages or bank accounts, depending on your state’s laws. Garnishment requires a court order and does not happen automatically.
Lawsuits are typically a last resort, but they are possible if the debt remains unpaid.
Allen Daniel Associates Complaints
Like many collection agencies, ADA has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information reported to credit bureaus
- Harassment or aggressive collection tactics
- Failure to provide proper debt validation
If you experience these issues, you can file a complaint with the appropriate agencies.
Your Rights When Dealing With Allen Daniel Associates
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you by:
- Allowing you to dispute inaccurate credit reporting
- Giving you the right to request debt validation within 30 days of first contact
- Prohibiting harassment, threats, or abusive language
- Requiring debt collectors to clearly identify themselves and their purpose
- Preventing false threats of arrest or imprisonment
Understanding your rights can help you deal with ADA more confidently.
Allen Daniel Associates Contact Information
Office Address:
Allen Daniel Associates, Inc.
159 Overland Road, Suite 406
Waltham, MA 02451
Mailing Address:
Allen Daniel Associates, Inc.
PO Box 541614
Waltham, MA 02454-1614
Phone: (800) 882-2100
Remove Allen Daniel Associates From Your Credit Report Today
Dealing with collections can be stressful, but you don’t have to manage it alone. Credit Saint has helped thousands of people challenge inaccurate items and work toward improving their credit. They even offer a 90-day money-back guarantee for added peace of mind.
To explore your options for disputing Allen Daniel Associates accounts, visit their website or call (855) 281-1510 today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
