Electromedical Associates


Is Electromedical Associates hurting your credit score?

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Who is Electromedical Associates?

Electromedical Associates, Inc. is a debt collection agency based in Amherst, New Hampshire.

If you see their name on your credit report, it typically means that they’ve been tasked with collecting an unpaid debt you owe.

Who does Electromedical Associates collect for?

Electromedical Associates specializes in the recovery of past due debts on behalf of the original creditors. These creditors can range from a variety of industries including credit cards, personal loans, medical bills, and more. They act as intermediaries between debtors and creditors, using different strategies and tactics to collect the outstanding amounts owed.

Is Electromedical Associates legit or a scam?

Electromedical Associates is a legitimate company. However, their collection activities may include frequent phone calls, texts, or emails to you.

How can I remove Electromedical Associates from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Electromedical Associates Contact Information


Electromedical Associates, Inc.
5 Northern Blvd # 11
Amherst, NH 03031

Mailing Address:

Electromedical Associates, Inc.
PO Box 473
Amherst, NH 03031

Phone number: (800) 639-3129

Should I contact or pay Electromedical 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 Credit reports can contain errors or list debts that are no longer valid.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 Electromedical Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Electromedical Associates on behalf of their clients.

Will Electromedical Associates sue me or garnish my wages?

Electromedical Associates is legally entitled to sue for unpaid debts. If they win the lawsuit, they might be able to garnish your wages or levy your bank account to recover the debt. However, wage garnishment is typically a last resort, used only after other attempts to collect the debt have failed.

Before any wage garnishment can occur, Electromedical Associates, or any other collection agency, must first file a lawsuit, win the case, and then obtain a court order permitting wage garnishment. The laws surrounding wage garnishment can differ significantly depending on the state you live in, so the specifics of your situation could depend on your local laws and the nature of your debt.

Electromedical Associates Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 Electromedical 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 Electromedical 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.
  • Electromedical Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Electromedical 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.
  • Electromedical Associates cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Electromedical Associates From Your Credit Report Today!

Credit Saint can help you dispute Electromedical Associates collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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