Kelley & Ryan Associates


Is Kelley & Ryan Associates hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Kelley & Ryan Associates?

Kelley & Ryan Associates, Inc. is a debt collection agency based in Hopedale, Massachusetts. If you find their name on your credit report, it’s likely due to an unpaid bill or financial obligation that was handed over to them for collection. This usually occurs when an original creditor has been unsuccessful in obtaining payment and decides to involve a third-party agency.

Who does Kelley & Ryan Associates collect for?

Kelley & Ryan Associates primarily serves local and state governments as a municipal collection agency. They specialize in the recovery of past-due excise taxes, which are taxes paid when purchases are made on specific goods, such as gasoline.

They may also be involved in the collection of other municipal debts or fees. Their role is to assist these governmental bodies in recovering funds that are owed to them.

Is Kelley & Ryan Associates legit or a scam?

Kelley & Ryan Associates, Inc. is a legitimate company. However, as part of their debt collection procedures, they might frequently contact you via phone calls, texts, or emails, which some individuals may perceive as intrusive or spam-like.

How can I remove Kelley & Ryan Associates 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?

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.

Kelley & Ryan Associates, Inc. Contact Information


Kelley & Ryan Associates, Inc.
3 Rosenfeld Dr.
Hopedale, MA 01747

Phone number: (800) 239-2155

Should I contact or pay Kelley & Ryan Associates?

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 Kelley & Ryan Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Kelley and Ryan Associates on behalf of their clients.

Will Kelley & Ryan Associates sue me or garnish my wages?

Kelley & Ryan Associates, as a debt collection agency, does possess the legal right to sue for unpaid debts. However, this course of action is generally considered a last resort because of the associated time, cost, and resources involved. If they decide to take legal action and win a judgment against you, they could potentially garnish your wages, but this depends on the laws in your particular state.

Kelley & Ryan 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 Kelley & Ryan 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 Kelley & Ryan Associates 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.
  • Kelley & Ryan Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Kelley & Ryan 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.
  • Kelley & Ryan Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Kelley & Ryan Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Kelley and Ryan Associates 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.

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Meet the author

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.