Joseph, Mann, & Creed

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?

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.)

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.

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?

It’s best to avoid speaking to a 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 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

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 Joseph, Mann, & Creed

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Joseph, Mann, & Creed may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Joseph, Mann, & Creed 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.
• Joseph, Mann, & Creed cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Joseph, Mann, & Creed From Your Credit Report Today!

Credit Saint can assist you in disputing Joseph, Mann, & Creed 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.