Kelley & Ryan Associates


Is Kelley & Ryan Associates hurting your credit score?

Schedule a free consultation to learn how to 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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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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?

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 Credit reports can contain errors or list debts that are no longer valid.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 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

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 Kelley & Ryan Associates, Inc.

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 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Kelley & Ryan Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Kelley & Ryan Associates 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.
  • Kelley & Ryan Associates cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Kelley & Ryan Associates From Your Credit Report Today!

Credit Saint can help you dispute Kelley and Ryan Associates accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (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.