Is Electromedical Associates Hurting Your Credit?

If Electromedical Associates has appeared on your credit report, it likely means a debt has been sent to collections. Collection accounts can hurt your credit score and stay on your report for up to seven years if you don’t take action.

Here’s what you need to know about Electromedical Associates and how to work toward removing their collection account from your credit report.

Who Is Electromedical Associates?

Electromedical Associates, Inc. is a debt collection agency based in Amherst, New Hampshire. They work with creditors to collect unpaid debts from consumers.

If Electromedical Associates is listed on your credit report, a company has likely hired them to recover money they believe you owe.

Who Does Electromedical Associates Collect For?

Electromedical Associates collects debts for a range of industries, including:

• Credit card companies
• Personal loan providers
• Medical service providers

If you’ve fallen behind on payments to any of these companies, your account may have been turned over to them for collection.

Is Electromedical Associates Legitimate?

Yes, Electromedical Associates is a real debt collection agency. They are authorized to collect debts for their clients. Even so, always verify the details of any collection account before agreeing to pay, as errors happen frequently in the debt collection process.

How to Remove Electromedical Associates From Your Credit Report

A collection account from Electromedical Associates can damage your credit, but there are steps you can take:

• Dispute Inaccuracies: Review your credit report for errors. If the account isn’t yours or the details are incorrect, dispute it with the credit bureaus.
• Request Debt Validation: You have the right to ask Electromedical Associates for proof that the debt is yours and the amount is accurate. They must provide written verification if requested.
• Negotiate a Pay-for-Delete: If the debt is valid, you can try to negotiate a pay-for-delete agreement. This means offering payment in exchange for having the collection account removed from your credit report. Always get the agreement in writing.
• Work With a Credit Repair Service: Many people choose to work with professionals who specialize in removing collections and other negative items from credit reports.

Should You Contact or Pay Electromedical Associates?

Before contacting Electromedical Associates, confirm the debt is legitimate and reported accurately. Sometimes debts are outdated, incorrect, or beyond the statute of limitations.

Also, making a payment can restart the clock on how long the debt affects your credit, so proceed carefully.

For many people, working with a credit repair company is the simplest way to handle collections and protect their credit.

Can Electromedical Associates Sue You or Garnish Your Wages?

Electromedical Associates has the legal right to sue over unpaid debts. If they take legal action and win, they could pursue wage garnishment or other collection methods, depending on your state’s laws.

That said, lawsuits are typically a last resort. Most collection agencies prefer to settle or arrange payment plans before going to court.

If you receive a court summons from them, don’t ignore it—seek legal advice right away.

Electromedical Associates Contact Information

Here’s how to reach Electromedical Associates:

Office Address:
Electromedical Associates, Inc.
5 Northern Boulevard, Suite 11
Amherst, NH 03031

Mailing Address:
Electromedical Associates, Inc.
PO Box 473
Amherst, NH 03031

Phone: (800) 639-3129

Complaints About Electromedical Associates

Many debt collectors, including Electromedical Associates, have complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Incorrect information on credit reports
• Failure to verify debts
• Harassment or aggressive collection tactics

If your rights are being violated, you can file a complaint with the CFPB or BBB.

Your Rights When Dealing With Electromedical Associates

The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you from unfair collection practices. Electromedical Associates cannot:

• Report false or incomplete information on your credit report
• Harass you with excessive calls, threats, or offensive language
• Misrepresent who they are or why they’re contacting you
• Threaten you with arrest over unpaid debts

You also have the right to request written proof of the debt. Electromedical Associates must provide verification within 30 days of your request.

Get Help Removing Electromedical Associates From Your Credit Report

If dealing with Electromedical Associates feels overwhelming, expert help is available. Credit Saint has over 15 years of experience helping people dispute collections and improve their credit. They even offer a 90-day money-back guarantee for extra peace of mind.

To learn more, visit their website or call (855) 281-1510.