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?
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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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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing Marcam Associates accounts. 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.
