Who is Joseph, Mann, & Creed?
Joseph, Mann, & Creed (JMC) is a debt collection agency located in Twinsburg, Ohio. They help businesses collect unpaid debts.
JMC can show up on your credit report as a collection account. This typically happens when you have not paid a bill and the original creditor has either sold or passed on the debt to the agency for collection.
Who does Joseph, Mann, & Creed collect for?
Joseph, Mann, & Creed serves a diverse range of clients, and their debt collection efforts span various types of debts. These include unpaid insurance premiums, agent commissions, credit card balances, lines of credit, and even unpaid subscriptions for newspapers and magazines.
Is Joseph, Mann, & Creed legit or a scam?
Joseph, Mann, & Creed is a legitimate collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 Joseph, Mann, & Creed 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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Joseph, Mann, & Creed (JMC) Contact Information
Address:
Joseph, Mann, & Creed
8948 Canyon Falls Blvd Suite 200
Twinsburg, OH 44087
Phone number: (216)-831-5626
Should I contact or pay Joseph, Mann, & Creed?
Before contacting a 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 Credit reports can contain errors or list debts that are no longer valid.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 Joseph, Mann, & Creed is to work with a credit repair professional. They help remove millions of negative items every year from companies like Joseph, Mann, & Creed on behalf of their clients.
Will Joseph, Mann, & Creed sue me or garnish my wages?
Joseph, Mann, & Creed (JMC) does can sue you for an unpaid debt. However, this is typically a last resort, after other efforts to collect the debt have been unsuccessful. Lawsuits are costly and time-consuming, and most collection agencies prefer to avoid them if possible.
If JMC sues you and wins a judgment against you in court, then they may be able to garnish your wages, levy your bank account, or place a lien on your property, depending on the laws in your state.
Joseph, Mann, & Creed 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 Joseph, Mann, & Creed
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 Joseph, Mann, & Creed 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.
- Joseph, Mann, & Creed cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Joseph, Mann, & Creed 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.
- Joseph, Mann, & Creed cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Joseph, Mann, & Creed From Your Credit Report Today!
Credit Saint offers assistance with disputing Joseph, Mann, & Creed 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.
