Foster and Monroe


Is Foster and Monroe hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Foster and Monroe, LLC?

Foster and Monroe, LLC is a third-party debt collection agency located in West Seneca, New York. They work on behalf of original creditors to recover past-due balances. They typically contact consumers who have unpaid debt and attempt to collect that debt.

If you see their name on your credit report, it means that they’ve reported an account associated with you to the credit bureaus.

Who does Foster and Monroe collect for?

Foster and Monroe works with a wide variety of local and national companies across numerous industries. The specifics of which industries or companies they work with are not public, but it’s common for such agencies to work with sectors such as healthcare, credit card companies, utilities, and retail, among others.

Is Foster and Monroe legit or a scam?

Foster and Monroe is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Foster and Monroe from my credit report?

Foster and Monroe 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.

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

Ready to Raise Your Credit Score?

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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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Foster and Monroe, LLC Contact Information


Foster and Monroe, LLC
3770 Transit Rd
Orchard Park, NY 14127

Mailing Address:

Foster and Monroe, LLC
PO Box 1031
West Seneca, NY 14224

Phone number: (866) 307-4543

Should I contact or pay Foster and Monroe?

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 Credit reports can contain errors or list debts that are no longer valid.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

Will Foster and Monroe sue me or garnish my wages?

Foster and Monroe has the ability to sue for an unpaid debt. If they win the lawsuit, they might be granted a judgment that could potentially lead to wage garnishment or a lien on certain assets, depending on the laws in your state.

However, it’s important to note that lawsuits and wage garnishments are generally seen as last resorts and can be costly for the agency.

Foster and Monroe, LLC 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 Foster and Monroe

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 Foster and Monroe 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.
  • Foster and Monroe cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Foster and Monroe 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.
  • Foster and Monroe cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Foster and Monroe Collections From Your Credit Report Today!

Credit Saint can help you dispute Foster and Monroe 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

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.