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 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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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.
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Electromedical Associates Contact Information
Electromedical Associates, Inc.
5 Northern Blvd # 11
Amherst, NH 03031
Electromedical Associates, Inc.
PO Box 473
Amherst, NH 03031
Phone number: (800) 639-3129
Should I contact or pay Electromedical Associates?
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 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
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 Electromedical Associates
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Electromedical Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Electromedical 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.
- Electromedical Associates cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Electromedical Associates From Your Credit Report Today!
Credit Saint can assist you in disputing Electromedical 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.
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