Who is George Brown Associates?
George Brown Associates (GBA) is a debt collection agency based in Charlotte, North Carolina. They provide services related to debt recovery, helping businesses reclaim money that they are owed.
As a third-party debt collector, GBA purchases debt from a company or individual, usually at a reduced price, and then attempts to collect the full amount from the debtor. As a result, they may appear on your credit report as a collection account if you have an outstanding unpaid debt that they are attempting to collect.
Who does George Brown Associates collect for?
George Brown Associates collects for a diverse range of clients, including financial institutions, healthcare providers, utility companies, and even individual lenders.
Is George Brown Associates legit or a scam?
George Brown Associates, Inc. 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 George Brown Associates from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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George Brown Associates, Inc. Contact Information
Address:
George Brown Associates, Inc.
2200 Crownpoint Executive Dr. #7754
Charlotte, NC 28227
Mailing address:
George Brown Associates, Inc.
2200 Crown Point Executive Dr.
Charlotte, NC 28227
Phone number: (800) 432-8338 or (704) 844-8777
Should I contact or pay George Brown Associates, Inc.?
Before contacting a third-party 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 Credit reports can contain errors or list debts that are no longer valid.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 a collection agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like George Brown Associates, Inc. on behalf of their clients.
Will George Brown Associates, Inc. sue me or garnish my wages?
George Brown Associates, Inc., as a debt collection agency, has the legal right to sue you if you owe a debt and fail to pay it. If they win a judgment against you in court, they could potentially garnish your wages, levy your bank account, or take other steps to collect the debt, depending on the laws in your state.
However, it’s important to know that not all debts are eligible for such actions and not all collection agencies will choose to go this route. It can be costly and time-consuming for them to sue, so often this is a last resort.
George Brown Associates, Inc. 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 George Brown Associates, Inc.
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 George Brown 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.
- George Brown Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- The debt collector 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.
- George Brown Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove George Brown Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing George Brown Associates collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
