Who is Delta Management Associates?
Delta Management Associates, Inc. (DMA) is a debt collection agency headquartered in Chelsea, Massachusetts. Their primary role is to recover outstanding debts for various creditors.
If you see Delta Management Associates on your credit report as a collections account, it generally means you have an unpaid debt, typically student loans, that they’ve been assigned to collect.
Who does Delta Management Associates collect for?
Delta Management Associates primarily serves clients in the higher education, government, and financial services sectors across the United States. They specialize in collecting student loan debts, but they also collect on behalf of government entities and financial services institutions. Essentially, they act as intermediaries, working to recover funds from individuals who have defaulted on their debts.
Is Delta Management Associates legit or a scam?
Delta Management Associates is a legitimate company. However, they may use persistent tactics like frequent phone calls, text messages, or emails to reach out to debtors.
How can I remove Delta Management 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.)
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Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
Delta Management Associates, Inc. Contact Information
Address:
Delta Management Associates
100 Everett Ave Ste 6
Chelsea, MA 02150
Phone number: (800) 688-6337
Should I contact or pay Delta Management Associates, Inc.?
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 Delta Management Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Delta Management Associates on behalf of their clients.
Will Delta Management Associates, Inc. sue me or garnish my wages?
Delta Management Associates, Inc. is legally entitled to sue for unpaid debts. If they win the lawsuit, they could potentially obtain a court order to garnish your wages or levy your bank account.
However, this is often seen as a last resort due to the complexities and costs associated with litigation. Whether they decide to sue can depend on factors like the amount of the debt, the likelihood of successful collection, and the specific laws of your state.
Delta Management Associates, Inc. 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 Delta Management Associates, Inc.
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, the FDCPA 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 Delta Management Associates, Inc. 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.
- Delta Management Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Delta Management 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.
- Delta Management Associates cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Delta Management Associates From Your Credit Report Today!
Lexington Law can assist you in disputing Delta Management Associates collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
