Franklin Collection Service


Is Franklin Collection Service hurting your credit score?

Schedule a free 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 based in Tupelo, Mississippi. This company’s primary function is to recover the money owed to its clients, typically after the original creditor has been unsuccessful in collecting the debt.

If you have an unpaid debt, and Franklin Collection Service has taken over the account, their name might appear on your credit report.

Who does Franklin Collection Service collect for?

Franklin Collection Service works with a wide range of clients. However, they primarily focus on collecting for the telecommunications and healthcare industries.

In the context of telecommunications, this could mean unpaid bills for phone or internet services. For medical collections, this often refers to unpaid hospital bills or other healthcare expenses that individuals have not paid.

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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Franklin Collection Service, Inc. Contact Information


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.?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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?

Franklin Collection Service, Inc. has the legal right to file a lawsuit against debtors for non-payment of debts. If they were to win a judgment in court, it may lead to wage garnishment or a lien on property, depending on state laws.

However, not all debt collection agencies will choose to take this route, as the legal process can be costly and time-consuming. They typically prefer to work out a payment arrangement.

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, it 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!

Credit Saint can assist you in disputing Franklin Collection Service collections. 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

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Meet the author

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