Gragil Associates


Is Gragil Associates 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 Gragil Associates?

Gragil Associates, Inc. is a debt collection agency and accounts receivable management firm based in Pembroke, Massachusetts. They are tasked with recovering unpaid debts on behalf of creditors.

If Gragil Associates is listed on your credit report as a collections account, it means that you have an unpaid bill, most likely a medical bill, which has been sent to them for collection.

Who does Gragil Associates collect for?

Gragil Associates primarily provides their collection services to the healthcare sector. They specialize in managing and collecting healthcare receivables. This suggests that if you have unpaid medical bills, these debts could be handled by Gragil Associates on behalf of the medical facility or provider.

Is Gragil Associates legit or a scam?

Gragil Associates is a legitimate company. They are legally authorized to collect debts on behalf of their clients. However, like many debt collection agencies, they may engage in persistent communication attempts, such as frequent phone calls, text messages, or emails, in their efforts to recover the debt.

How can I remove Gragil 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.)

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.

Gragil Associates, Inc. Contact Information


Gragil Associates, Inc.
29 Winter St.
Pembroke, MA 02359

Mailing address:

Gragil Associates, Inc.
PO Box 1010
Pembroke, MA 02359

Phone number: (800) 336-0299

Should I contact or pay Gragil Associates?

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 Gragil Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Gragil Associates, Inc. on behalf of their clients.

Will Gragil Associates sue me or garnish my wages?

Gragil Associates has the legal right to sue you for unpaid debts. If they win a lawsuit against you, they can secure a court judgment. Depending on the laws in your state, this judgment might allow them to garnish your wages, levy your bank account, or place a lien on your property to collect the owed amount.

However, not every debt collection agency or law firm will choose to sue or garnish wages for every debt. The decision to take such legal action often depends on several factors, including the size of the debt, the potential cost of litigation, and the likelihood of successfully collecting the debt.

Gragil Associates, 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 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 Gragil Associates, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a third-party 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 Gragil Associates, 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.
  • Gragil Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Gragil 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.
  • Gragil Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Gragil Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Gragil 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.

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?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

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.