Seeing Baxter Bailey & Associates on your credit report can damage your credit score. If they’ve listed a collections account under your name, here’s what it means and how to work toward having it removed.
Who Is Baxter Bailey & Associates?
Baxter, Bailey & Associates, Inc. is a debt collection agency based in Southaven, Mississippi. They specialize in collecting unpaid debts tied to the trucking and transportation industry.
If their name shows up on your credit report, it likely means a past-due account has been sent to them for collection.
Is Baxter Bailey & Associates Legitimate?
Yes, Baxter Bailey & Associates is a real company authorized to collect debts for their clients. Some people report that their communication style can feel aggressive, which is common in the debt collection industry.
Even though they are legitimate, always verify that any debt they report is accurate before paying or agreeing to anything.
Who Does Baxter Bailey & Associates Collect For?
Baxter Bailey & Associates works with companies in the transportation industry. Their clients often include:
- Trucking companies
- Freight brokers
- Shippers
- Transportation service providers
They collect on behalf of businesses of all sizes—from small trucking companies to large international corporations.
If they appear on your credit report, it likely stems from an unpaid account connected to this industry.
How to Remove Baxter Bailey & Associates From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, even if paid. But there are steps you can take to try and remove them:
- Dispute Inaccurate Information: If the debt isn’t yours or the details are incorrect, file a dispute with the credit bureaus. They must investigate and correct or remove the account if the information is wrong.
- Request Debt Validation: You have the right to ask Baxter Bailey & Associates to prove the debt is yours and that the amount is accurate. If they can’t validate it, they must stop collection efforts.
- Negotiate a Pay-for-Delete: Some collection agencies will agree to remove the account from your credit report if you settle the debt. Always get this agreement in writing before making a payment.
- Work With a Credit Repair Company: Credit repair professionals can help dispute inaccurate information and negotiate with collectors like Baxter Bailey & Associates on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Baxter Bailey & Associates?
Be cautious when dealing with collection agencies. Speaking with them or making a payment can restart the clock on how long they can legally pursue the debt, depending on your state.
Before contacting them, verify the debt is valid and accurately reported. If you’re unsure how to handle it, working with a credit repair company may be the safest approach. They help people remove millions of negative items from their credit reports every year, including accounts from Baxter Bailey & Associates.
Can Baxter Bailey & Associates Sue You or Garnish Your Wages?
Debt collectors, including Baxter Bailey & Associates, can sue to recover unpaid debts. But lawsuits are often a last resort, as they can be expensive and time-consuming for the agency.
If they sue and win in court, they may be able to garnish your wages or place a lien on your bank accounts, depending on your state’s laws.
Baxter Bailey & Associates Contact Information
Address:
Baxter Bailey & Associates
1630 Goodman Rd E, Suite 1
Southaven, MS 38671
Phone Numbers:
(662) 655-4848
(866) 921-5873
Common Complaints About Baxter Bailey & Associates
Like many debt collection agencies, Baxter Bailey & Associates has received complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting of debts
- Harassment or excessive phone calls
- Failing to verify debts when requested
If you feel your rights are being violated or you’re experiencing harassment, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Baxter Bailey & Associates
You have strong protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). Here’s what Baxter Bailey & Associates cannot do:
- Report false or incomplete information
- Harass, threaten, or use abusive language
- Misrepresent their identity or intentions
- Threaten arrest or jail over unpaid debts
You also have the right to request debt validation. If you send a written request within 30 days of their first contact, they must prove the debt belongs to you and that the amount is correct.
Get Help Removing Baxter Bailey & Associates From Your Credit Report
Struggling with collections from Baxter Bailey & Associates? Credit Saint can help dispute inaccurate items and work to clean up your credit. They’ve been helping clients for over 15 years—and they even offer a 90-day money-back guarantee for added peace of mind.
Ready to take the next step? Visit their website or call (855) 281-1510 to learn more.
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.
