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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Baxter Bailey & Associates Contact Information
Address:
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. Credit reports can contain errors or list debts that are no longer valid.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 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
Many collection agencies have numerous complaints filed 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Baxter Bailey & Associates
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 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Baxter Bailey & Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Baxter Bailey & 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.
- Baxter Bailey & Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Baxter Bailey & Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing Baxter Bailey & Associates collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
