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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(Though debt collectors may not want this widely known, it’s your right to be informed.)
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Armstrong & Associates, Inc. Contact Information
Address:
Armstrong & Associates
208 Adams St.
Mobile, AL 36603-6504
Phone number: (800) 226-8470
Should I contact or pay Armstrong & Associates?
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 Credit reports can contain errors or list debts that are no longer valid.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 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
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 Armstrong & Associates, 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 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Armstrong and Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Armstrong and Associates 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.
- Armstrong and Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Armstrong & Associates From Your Credit Report Today!
Credit Saint can help you dispute Armstrong and Associates accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.
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