How to Remove Marcam Associates From Your Credit Report

Updated

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Who is Marcam Associates?

Marcam Associates is a debt collection agency based in Rochester, New Hampshire. Their primary role is to assist businesses, specifically within the healthcare industry, in collecting unpaid debts.

If Marcam Associates is listed on your credit report, it indicates that you have an outstanding collections account. This is usually due to an unpaid bill that the original creditor has been unable to collect.

Who does Marcam Associates collect for?

Marcam Associates is specialized in providing debt collection services for clients in the healthcare industry. This includes a wide range of organizations such as hospitals, clinics, and private healthcare providers.

Is Marcam Associates legit or a scam?

Marcam Associates is a legitimate debt collection agency authorized to collect debts on behalf of their clients. However, it’s essential to verify any debts they claim you owe before making any payments.

How can I remove Marcam Associates from my credit report?

Marcam Associates 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.

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

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Marcam Associates Contact Information

Address:

Marcam Associates
36 Industrial Way
Rochester, NH 03867

Mailing address:

Marcam Associates
PO Box 60
Rochester, NH 03866-0060

Phone number: (603) 692-1700 or (800) 638-1005

Should I contact or pay Marcam Associates?

Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 Marcam Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Marcam Associates on behalf of their clients.

Will Marcam Associates sue me or garnish my wages?

Marcam Associates has the ability to take legal action against debtors who do not pay their debts. This could potentially include filing a lawsuit against you. If they are successful and obtain a judgment from the court, they may then be able to garnish your wages, levy your bank account, or place a lien on your property.

However, initiating a lawsuit is usually a last resort for debt collection agencies, as it is a lengthy and costly process. Many collection agencies prefer to establish a payment plan or negotiate a settlement with the debtor.

Marcam Associates 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 Marcam Associates

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 Marcam 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.
  • Marcam Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Marcam 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.
  • Marcam Associates cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Marcam Associates From Your Credit Report Today!

Credit Saint can help you dispute Marcam 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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