Who is IMC Credit Services?
IMC Credit Services, LLC, is a debt collection agency that operates out of Indianapolis, Indiana. Over time, this agency has undergone a rebranding process and now goes by the name of Receivables Management Partners (RMP).
If you have an unpaid bill that has been handed over to IMC Credit Services, you may see them listed on your credit report as a collection account.
Who does IMC Credit Services collect for?
The primary focus of IMC Credit Services is collecting debts that are owed to healthcare providers. This includes unpaid bills for medical procedures, hospital stays, and other healthcare services.
Is IMC Credit Services legit or a scam?
IMC Credit Services, LLC is a legitimate debt collection company. However, their practices may seem intrusive or bothersome as they may frequently contact you through phone calls, text messages, or emails in an effort to recover the debt.
How can I remove IMC Credit Services 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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law Firm is a credit repair company that helps people fix their credit.
In addition to collections, they can work with 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.
IMC Credit Services Contact Information
Address:
IMC Credit Services
8085 Knue Rd
Indianapolis, IN 46250
Phone number: (317) 829-0076
Should I contact or pay IMC Credit Services?
Nothing good can come from speaking to a third-party collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with IMC Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like IMC Credit Services on behalf of their clients.
Will IMC Credit Services sue me or garnish my wages?
IMC Credit Services, like any other debt collection agency, has the legal right to sue you for unpaid debts. If they win a lawsuit against you, they may obtain a court judgment. Depending on your state’s laws, they could garnish your wages. They might also take other actions to collect the debt, such as levying your bank account or putting a lien on your property.
However, remember that not every debt collection agency will choose to sue or garnish wages for every debt. The decision to take such action often depends on several factors. These include the size of the debt, the potential cost of litigation, and the likelihood of successfully collecting the debt.
IMC Credit Services 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 IMC Credit Services
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 IMC Credit Services 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.
- IMC Credit Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- IMC Credit Services 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.
- IMC Credit Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove IMC Credit Services From Your Credit Report Today!
Lexington Law can assist you in disputing IMC Credit Services collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
