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?
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.)
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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.
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Lockhart, Morris & Montgomery, Inc. Contact Information
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?
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 debt, especially if it’s new, and you’re certain that it’s legit.
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
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 Lockhart, Morris & Montgomery, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Lockhart, Morris & Montgomery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Lockhart, Morris & Montgomery, Inc. 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.
- Lockhart, Morris & Montgomery, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Lockhart, Morris & Montgomery From Your Credit Report Today!
Credit Saint can assist you in disputing Lockhart, Morris & Montgomery collections. 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.
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