Marcam Associates

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.

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

Professional credit repair services work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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?

It’s best to avoid speaking to a debt collector 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 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

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 Marcam Associates

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Marcam Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Marcam Associates 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.
• Marcam Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Marcam Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Marcam Associates accounts. 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.