If Helvey & Associates shows up on your credit report, it likely means an unpaid debt has been sent to collections. These accounts can lower your credit score and make it harder to get approved for loans, credit cards, or even rental housing.
Here’s how to handle Helvey & Associates and work toward removing them from your credit report.
Who Is Helvey & Associates?
Helvey & Associates, Inc. is a debt collection agency based in Warsaw, Indiana. They work with businesses to recover unpaid debts, often after the original creditor has been unsuccessful in collecting the balance.
If you’ve fallen behind on payments, Helvey & Associates may be the agency contacting you, and their name might appear on your credit report as a collection account.
Who Does Helvey & Associates Collect For?
Helvey & Associates primarily collects debts for:
- Healthcare providers – Hospitals, clinics, and medical practices
- Utility companies – Water, gas, electricity, or other services
If you owe money in any of these areas, Helvey & Associates may be the company trying to collect.
Is Helvey & Associates a Scam?
No, Helvey & Associates is not a scam. They are a legitimate debt collection agency authorized to collect on behalf of healthcare providers and utility companies.
That said, always verify the debt before agreeing to pay. Mistakes can happen, and inaccurate information may appear on your credit report.
How to Remove Helvey & Associates from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to try to get them removed sooner:
- Dispute inaccurate information: If the debt isn’t yours or the details are incorrect, file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask Helvey & Associates for written proof the debt is valid. If they can’t provide it, they must stop reporting the account.
- Negotiate a pay-for-delete: In some cases, you may be able to settle the debt in exchange for having the account removed. Always get this agreement in writing.
- Work with a credit repair company: Professionals can help challenge unfair or inaccurate negative items and improve your chances of removal.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Helvey & Associates?
Before contacting Helvey & Associates or making a payment:
- Verify the debt belongs to you
- Confirm the amount is accurate
- Understand your rights under your state’s laws, including the statute of limitations
Be careful—paying a debt without a clear plan can sometimes reset the collection timeline and hurt your credit further. Many people work with credit repair experts to handle this process properly.
Can Helvey & Associates Sue You or Garnish Your Wages?
Yes, Helvey & Associates has the legal right to sue for unpaid debts. If they win the lawsuit, they may:
- Garnish your wages
- Levy your bank accounts
These actions depend on your state’s laws. However, legal action is typically a last resort. Most debt collectors attempt to negotiate payment plans or settlements before going to court.
Helvey & Associates Contact Information
Address:
Helvey & Associates, Inc.
1029 E Center St.
Warsaw, IN 46580
Phone Number:
(855) 804-5704
Helvey & Associates Complaints
Like many debt collectors, Helvey & Associates has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassment or excessive calls
- Failure to verify debts
If you believe your rights are being violated, you can file a formal complaint and take steps to protect yourself.
Your Rights When Dealing with Helvey & Associates
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors:
- You can dispute inaccurate information on your credit report
- You can request written debt validation within 30 days
- Harassment, threats, or abusive language is illegal
- Debt collectors must clearly identify themselves as a collection agency
- They cannot threaten arrest or legal actions they aren’t authorized to take
Knowing your rights makes it easier to handle collections and protect your credit.
Get Helvey & Associates Removed from Your Credit Report
If Helvey & Associates is damaging your credit and you want help, consider working with a trusted credit repair company like Credit Saint. They’ve helped thousands of people remove negative items from their credit reports—and they even offer a 90-day money-back guarantee for peace of mind.
Ready to clean up your credit? Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
