Franklin Collection Service

Is Franklin Collection Service hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Franklin Collection Service?

Franklin Collection Service, Inc. is a debt collection agency located in Tupelo, Mississippi.

You may see Franklin Collection Service listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does Franklin Collection Service collect for?

Franklin Collection Service collects debt for various types of companies, but they specialize in telecommunications and medical collections.

Is Franklin Collection Service legit or a scam?

Franklin Collection Service is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 Franklin Collection Service 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.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

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.

Franklin Collection Service, Inc. Contact Information

Addresses:

Franklin Collection Service, Inc.
105 S Front St
Tupelo, MS 38804

Franklin Collection Service, Inc.
2978 West Jackson Street
Tupelo, MS 38801

Phone number: (800) 262-7590, (866) 319-0760, or (662) 844 7776

Should I contact or pay Franklin Collection Service, 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 Franklin Collection Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Franklin Collection Services on behalf of their clients.

Will Franklin Collection Service, Inc. sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the Franklin Collection Service debt with the three credit bureaus and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Franklin Collection Service, Inc. again.

Wage Garnishment

Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collection company to threaten to garnish your wages.

It is also illegal for Franklin Collection Service to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.

Is Franklin Collection Service hurting my credit score?

Any derogatory item on your credit report, including a collections account, may harm your credit score.

Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.

To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.

Franklin Collection Service, 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 an alleged 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 Franklin Collection Service, 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 Franklin Collection Service, 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.
  • Franklin Collection Service, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Franklin Collection Service, Inc. 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.
  • Franklin Collection Service, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Franklin Collection Service From Your Credit Report Today!

Lexington Law can assist you in disputing Franklin Collection Service collections. 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.

[*] Results are not typical or guaranteed.