Who is Armstrong and Associates?
Armstrong & Associates, Inc. is a debt collection agency based in Mobile, Alabama. Their primary role is to help businesses retrieve money that is owed to them.
If you have an unpaid bill, you may see their name listed on your credit report as a collections account.
Who does Armstrong & Associates collect for?
Armstrong & Associates mainly focuses on debt collection in the healthcare industry. This includes hospitals, clinics, medical practitioners, and other healthcare service providers. They aim to recover unpaid medical bills, which could stem from treatments, surgeries, or other healthcare services that have not been paid for by patients.
Is Armstrong & Associates legit or a scam?
Armstrong & Associates 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 Armstrong & Associates from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Armstrong & Associates, Inc. Contact Information
Armstrong & Associates
208 Adams St.
Mobile, AL 36603-6504
Phone number: (800) 226-8470
Should I contact or pay Armstrong & Associates?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Armstrong & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Armstrong and Associates on behalf of their clients.
Will Armstrong & Associates sue me or garnish my wages?
Armstrong & Associates can sue debtors for unpaid debts. If they successfully sue you and obtain a court judgment, they may be allowed to garnish your wages or take other collection actions depending on the laws of your state.
However, lawsuits and wage garnishments are usually last-resort measures due to their complexity and costliness. Many debt collectors prefer to work out a payment plan to avoid legal action.
Armstrong & Associates, Inc. Complaints
Most collection agencies have numerous complaints filed against them 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 a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Armstrong & Associates, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Armstrong & Associates 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Armstrong and Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Armstrong and Associates must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Armstrong and Associates cannot threaten to have you arrested or imprisoned over unpaid debts.
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Credit Saint can assist you in disputing Armstrong and Associates accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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