Associated Collectors


Is Associated Collectors hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Associated Collectors?

Associated Collectors, Inc., based in Janesville, Wisconsin, is a debt collection agency that has been operating for many years. They work with various types of businesses to recover past due accounts.

If you have an account that has been turned over to Associated Collectors, it means you have a debt that has not been paid, and this agency is now responsible for collecting that debt.

Who does Associated Collectors collect for?

Associated Collectors works with a range of original creditors to collect overdue debts. These might include credit card companies, medical providers, utility companies, and others.

The agency’s primary role is to act on behalf of these creditors to recover funds that are past due, using various means within the law to contact debtors and arrange for payment.

Is Associated Collectors legit or a scam?

Associated Collectors is a legitimate company. It’s important to note that while their practices may be intrusive and persistent, they are a real company with legal rights to collect debts.

How can I remove Associated Collectors 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Associated Collectors Contact Information


Associated Collectors, Inc.
113 W. Milwaukee St.
Janesville, WI 53548

Phone number: (608) 754-4425 or (800) 354-6951

Should I contact or pay Associated Collectors?

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 Associated Collectors is to work with a credit repair professional. They help remove millions of negative items every year from companies like Associated Collectors on behalf of their clients.

Will Associated Collectors sue me or garnish my wages?

It’s possible for a debt collection agency like Associated Collectors to sue a debtor in court if they fail to pay their outstanding debt. If they obtain a judgment against you, they may seek to garnish your wages or take other legal actions to collect the debt. However, this outcome depends on various factors, such as the amount of the debt, the age of the debt, and the collection agency’s policies.

Associated Collectors 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 Associated Collectors

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Associated Collectors 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.
  • Associated Collectors may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Associated Collectors 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.
  • Associated Collectors cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Associated Collectors From Your Credit Report Today!

Credit Saint can assist you in disputing Associated Collectors collection 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.