Baxter Bailey & Associates


Is Baxter Bailey & Associates 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 Baxter Bailey & Associates?

Baxter, Bailey & Associates, Inc. is a debt collection agency located in Southaven, Mississippi.

If you encounter Baxter Bailey & Associates on your credit report, it typically signifies a collections account. This indicates that you may have an unpaid bill that has been sent to collections.

Who does Baxter Bailey & Associates collect for?

Baxter Bailey & Associates is primarily engaged in collecting debts on behalf of companies and individuals in the trucking and transportation industry. They work with a broad spectrum of clients ranging from small family-run trucking businesses to large multinational transportation corporations. Their clients could include trucking companies, freight brokers, shippers, or other entities that have outstanding receivables.

Is Baxter Bailey & Associates legit or a scam?

Baxter Bailey & Associates is a legitimate company. However, some people may describe their communication methods as aggressive or bothersome. It’s not uncommon for debt collection agencies to employ persistent tactics such as frequent calls, texts, or emails to ensure debt repayment.

How can I remove Baxter Bailey & 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.)

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.

Baxter Bailey & Associates Contact Information


Baxter Bailey & Associates
1630 Goodman Rd E Ste 1
Southaven, MS 38671

Phone number: (662) 655-4848 or (866) 921-5873

Should I contact or pay Baxter Bailey & Associates?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Baxter Bailey & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Baxter Bailey & Associates on behalf of their clients.

Will Baxter Bailey & Associates sue me or garnish my wages?

Baxter Bailey & Associates may choose to sue a debtor if their collection attempts have been unsuccessful. If the company wins the lawsuit and obtains a judgment against the debtor, they may be legally permitted to garnish wages or levy bank accounts, depending on the laws in your state.

It’s important to note that this is typically a last resort for most collection agencies, as it can be a costly and time-consuming process.

Baxter Bailey & Associates 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 you are being harassed by Baxter Bailey & Associates, you should also 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 Baxter Bailey & Associates

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Baxter Bailey & 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.
  • Baxter Bailey & Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Baxter Bailey & 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.
  • Baxter Bailey & Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Baxter Bailey & Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Baxter Bailey & Associates 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.