How to Remove Marcam Associates From Your Credit Report

If Marcam Associates has shown up on your credit report, chances are they’re trying to collect on an unpaid debt. Collection accounts can hurt your credit score, so it’s smart to take action.

Who Is Marcam Associates?

Marcam Associates is a third-party debt collection agency located in Rochester, New Hampshire. If you see their name on your credit report, it usually means they’ve been hired to collect a debt you allegedly owe.

Who Does Marcam Associates Collect For?

Marcam Associates focuses primarily on collecting medical debt. They work with:

• Hospitals
• Clinics
• Private healthcare providers

If you’ve fallen behind on medical bills, your account may have been sent to Marcam Associates for collection.

Is Marcam Associates Legit?

Yes, Marcam Associates is a real company authorized to collect debts for healthcare providers. But even with legitimate agencies, mistakes happen. Never pay until you’ve verified the debt is yours and the details are accurate.

How to Remove Marcam Associates From Your Credit Report

A collections account can stay on your credit report for up to seven years. But there are ways to try to get it removed sooner:

• Dispute errors: Check the account details for inaccuracies and file disputes with the credit bureaus if needed.
• Request debt validation: You can demand written proof that the debt is legitimate and the amount is correct.
• Negotiate a pay-for-delete: Sometimes, collection agencies will agree to remove the account if you settle the debt.
• Work with a credit repair company: Experts can help dispute negative items and improve your credit faster.

Should You Contact or Pay Marcam Associates?

Before making any payment or agreeing to a settlement, verify:

• The debt is accurate and belongs to you
• The balance matches what you actually owe
• You’re within the statute of limitations for collections in your state

Be cautious—paying a collection without negotiating for removal can sometimes leave the account on your report as “paid,” which still affects your score.

Can Marcam Associates Sue You or Garnish Your Wages?

Yes, Marcam Associates can sue you for unpaid debts. If they take you to court and win a judgment, they may be able to:

• Garnish your wages
• Levy your bank account
• Place a lien on your property

Laws vary by state, but legal action is usually a last resort after other collection efforts fail.

Marcam Associates Contact Information

Address:
Marcam Associates
36 Industrial Way
Rochester, NH 03867

Mailing Address:
Marcam Associates
P.O. Box 60
Rochester, NH 03866-0060

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

Marcam Associates Complaints

There are numerous complaints about Marcam Associates with the CFPB and BBB. Common concerns include:

• Inaccurate credit reporting
• Harassment or excessive calls
• Failure to validate debts

If this happens, you can file a complaint and dispute the account.

Your Rights When Dealing With Marcam Associates

The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from abusive or misleading tactics. Debt collectors cannot:

• Report inaccurate or incomplete information
• Harass or threaten you
• Call excessively or use abusive language
• Lie about who they are or the amount you owe
• Have you arrested for unpaid debts

You also have the right to request written proof of the debt.

Remove Marcam Associates From Your Credit Report Today

Dealing with collections can be stressful, but help is available. Credit Saint has over 15 years of experience helping people dispute and remove negative accounts from their credit reports. They even offer a 90-day money-back guarantee for peace of mind.

Visit their website or call (855) 281-1510 to learn how they can help.