Seeing Lockhart, Morris & Montgomery on your credit report can be alarming. A collection account has the potential to lower your credit score for up to seven years—even if you pay it. Fortunately, there are ways to handle the situation and possibly get it removed.
Who Is Lockhart, Morris & Montgomery?
Lockhart, Morris & Montgomery, also known as LMM Collections, is a third-party debt collection agency based in Richardson, Texas. They work on behalf of businesses to recover unpaid debts. If their name appears on your credit report, it means a creditor turned over your account to them for collection.
Who Does Lockhart, Morris & Montgomery Collect For?
Lockhart, Morris & Montgomery collects debts for several industries, including:
- Healthcare providers
- Alarm and security companies
- Freight and logistics businesses
If you have unpaid bills with any of these types of companies, they may have hired Lockhart, Morris & Montgomery to collect the balance.
Is Lockhart, Morris & Montgomery Legitimate?
Yes, Lockhart, Morris & Montgomery is a real debt collection agency. They are legally authorized to collect debts for their clients. That said, you should always confirm that any debt they claim you owe is accurate before making a payment.
How to Remove Lockhart, Morris & Montgomery From Your Credit Report
A collection account can hurt your credit score, so taking action quickly is important. Here are your options:
- Dispute inaccuracies: If any details—such as the balance, dates, or ownership—are incorrect, you can file a dispute with the credit bureaus. They must investigate and correct any errors.
- Request debt validation: You have the right to ask Lockhart, Morris & Montgomery to prove the debt is yours and that the amount is correct. If they can’t validate the debt, they must stop collecting and remove the account from your credit report.
- Negotiate a pay-for-delete: In some cases, you can offer payment in exchange for having the account removed from your credit report. Always get the agreement in writing before sending money.
- Work with a credit repair company: Credit repair professionals help consumers remove inaccurate collections and other negative items from their credit reports every day.
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Should You Contact or Pay Lockhart, Morris & Montgomery?
Before reaching out to any collection agency, confirm the debt is accurate and still valid. Credit reports often show outdated or incorrect information. Keep in mind that making a payment can restart the statute of limitations, which might give the collector more time to take legal action.
If you’re unsure what to do, a trusted credit repair company can help you handle the situation and protect your credit.
Can Lockhart, Morris & Montgomery Sue You or Garnish Your Wages?
Debt collectors like Lockhart, Morris & Montgomery have the legal right to sue you for unpaid debts. If they win the case, they may be able to:
- Garnish your wages
- Withdraw funds from your bank account
- Place a lien on your property (depending on your state’s laws)
However, not every debt leads to a lawsuit. Most debt collectors prefer to resolve accounts without going to court due to the costs involved.
Lockhart, Morris & Montgomery Complaints
It’s common for collection agencies to have complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting to credit bureaus
- Harassment or repeated calls
- Failure to validate debts
If you feel your rights are being violated, you can file a complaint with the CFPB or your state attorney general.
Your Rights When Dealing With Lockhart, Morris & Montgomery
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with debt collectors like Lockhart, Morris & Montgomery.
They cannot:
- Report false or incomplete information about you
- Harass, threaten, or use abusive language
- Call excessively or outside reasonable hours
- Misrepresent who they are or their purpose
- Threaten arrest or jail for unpaid debts
You have the right to:
- Request written debt validation within 30 days of first contact
- Dispute inaccurate information on your credit report
- Be treated fairly and respectfully
Knowing your rights makes it easier to deal with debt collectors confidently.
Lockhart, Morris & Montgomery Contact Information
If you choose to communicate with them, here’s how to reach them:
Lockhart, Morris & Montgomery, Inc.
1401 N Central Expy, Suite 225
Richardson, TX 75080
Phone: (877) 214-3355
Keep written records of all communication with debt collectors, and avoid making verbal agreements without written confirmation.
Remove Lockhart, Morris & Montgomery From Your Credit Report Today
If dealing with collection agencies feels overwhelming, a credit repair service can help. Credit Saint has over 15 years of experience helping consumers challenge inaccurate collections, errors, and other negative marks on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
Getting expert help can make it easier to clean up your credit and work toward a better score.
Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
