Who is Helvey & Associates?
Helvey & Associates, Inc. is a debt collection agency based in Warsaw, Indiana. They work on behalf of creditors to collect overdue payments.
If you have neglected or forgotten to pay a bill, they may be listed on your credit report as a collections account.
Who does Helvey & Associates collect for?
Helvey & Associates primarily focuses on the collection of debts for healthcare and utility providers. Healthcare debts can originate from a variety of sources, like hospitals, clinics, or other medical providers. Utility debts could be for unpaid bills related to services like electricity, water, or gas.
Is Helvey & Associates legit or a scam?
Helvey & Associates is a legitimate debt collection 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 Helvey & Associates from my credit report?
Helvey & Associates 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.
Helvey & Associates, Inc. Contact Information
Helvey & Associates, Inc.
1029 E Center St.
Warsaw, IN 46580
Phone number: (855) 804-5704
Should I contact or pay Helvey & Associates, 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 Sometimes, credit reports contain errors or list debts that are no longer valid.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 Helvey & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Helvey and Associates on behalf of their clients.
Will Helvey & Associates sue me or garnish my wages?
Helvey & Associates could potentially sue you for the unpaid debt, although it’s generally not the first action they take. Typically, a collection agency will attempt to contact you multiple times to settle the debt before resorting to legal action.
If Helvey & Associates does choose to sue and the court rules in their favor, the judgment could lead to wage garnishment. However, not all debts or situations allow for wage garnishment, and rules can vary by state.
Helvey & 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 Helvey & Associates, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector 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 Helvey & 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.
- Helvey & Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Helvey & 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.
- Helvey & Associates cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Helvey & Associates From Your Credit Report Today!
Credit Saint can assist you in disputing Helvey & 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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.