Who is Lockhart, Morris & Montgomery?
Lockhart, Morris & Montgomery, Inc., also known as LMM Collections, is a third-party debt collection agency based in Richardson, Texas. They specialize in recovering outstanding debts on behalf of their clients.
If you find Lockhart, Morris & Montgomery, or LMM Collections, listed on your credit report, it typically means they have acquired a debt you owe, and it’s their job to collect the outstanding amount.
Who does Lockhart, Morris & Montgomery collect for?
Lockhart, Morris & Montgomery is a debt collection agency that works with clients from diverse industries. Their primary focus is on the healthcare, alarm, and commercial freight & logistics sectors.
Is Lockhart, Morris & Montgomery legit or a scam?
Lockhart, Morris & Montgomery is a legitimate debt collection company. They are authorized to collect debts 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 Lockhart, Morris & Montgomery 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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Lockhart, Morris & Montgomery, Inc. Contact Information
Address:
Lockhart, Morris & Montgomery, Inc.
1401 N Central Expy Suite 225
Richardson, TX 75080
Phone number: (877) 214-3355
Should I contact or pay Lockhart, Morris & Montgomery?
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 Credit reports can contain errors or list debts that are no longer valid.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 Lockhart, Morris & Montgomery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Lockhart, Morris & Montgomery on behalf of their clients.
Will Lockhart, Morris & Montgomery sue me or garnish my wages?
Lockhart, Morris & Montgomery can, under certain circumstances, sue a debtor for unpaid debt. If they win the lawsuit, they may be awarded a judgment. With this judgment, the agency might have the ability to garnish your wages, levy your bank account, or even place a lien on your property, depending on your state laws.
However, not every debt leads to a lawsuit. Often, debt collectors prefer to resolve the debt without involving the court system due to the time and expense associated with legal proceedings.
Lockhart, Morris & Montgomery, 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 Lockhart, Morris & Montgomery, 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 Lockhart, Morris & Montgomery, Inc. 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.
- Lockhart, Morris & Montgomery cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Lockhart, Morris & Montgomery, Inc. 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.
- Lockhart, Morris & Montgomery, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Lockhart, Morris & Montgomery From Your Credit Report Today!
Credit Saint offers assistance with disputing Lockhart, Morris & Montgomery collections. 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.
