Meade & Associates showing up on your credit report? That likely means they’re trying to collect on a debt—whether it’s yours or not. Here’s what to know and how to deal with it.
What Is Meade & Associates?
Meade & Associates, Inc. is a third-party debt collection agency based in Lewis Center, Ohio. They work with businesses and institutions to recover unpaid debts. If you’ve received calls or letters from them—or spotted their name on your credit report—they’re likely collecting on behalf of an original creditor.
Who Do They Collect For?
Meade & Associates collects debts for a mix of industries, including:
- Colleges and universities
- Utility companies
- Banks and lenders
- Service providers
- Commercial businesses
- Veterinary clinics
They may be chasing down anything from unpaid tuition or loans to overdue bills and service charges.
Are They Legit?
Yes, Meade & Associates is a real debt collector—not a scam. But even legitimate collectors sometimes report inaccurate information or pursue old debts that shouldn’t still be reported. That’s why it’s important to verify everything before you respond or pay.
How to Remove Meade & Associates From Your Credit Report
A collections account can damage your credit score for up to seven years, even if you pay it off. Fortunately, there are a few ways to potentially remove it:
- Dispute inaccurate information – If the account has errors (wrong balance, dates, or it isn’t yours), file a dispute with the credit bureaus.
- Request debt validation – You have the right to ask Meade & Associates to prove the debt is real and that you’re responsible for it.
- Negotiate a pay-for-delete – In some cases, you can offer to settle the debt in exchange for getting it removed from your report. Get any agreement in writing first.
- Hire a credit repair professional – If you’re overwhelmed or unsure where to start, a reputable credit repair company can handle the disputes for you.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Meade & Associates?
Before you call or pay, confirm the debt is accurate and still within the statute of limitations in your state. If you make a payment on an expired debt, you could restart the clock and make it legally collectible again.
If the debt is valid and recent, negotiating a payment or settlement may be a good idea—especially if it comes with deletion. But get everything in writing before sending money.
Can They Sue or Garnish Wages?
Yes, Meade & Associates can take legal action if they believe the debt is valid. If they sue and win a judgment, they may be able to garnish your wages, freeze your bank account, or place a lien on your property—depending on your state laws.
However, lawsuits are costly and time-consuming, so collectors usually try to resolve debts without going to court.
Complaints Against Meade & Associates
Like many collection agencies, Meade & Associates has complaints filed against them with the Consumer Financial Protection Bureau and the Better Business Bureau. Most complaints involve:
- Incorrect reporting
- Harassment or excessive contact
- Failure to validate the debt
If you’re being harassed or feel your rights have been violated, you can file a complaint and take legal action if needed.
Know Your Rights Under Federal Law
You’re protected by two key consumer protection laws:
- The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information on your credit report.
- The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, deceptive, or unfair practices.
Here are a few things Meade & Associates legally cannot do:
- Report false or incomplete information
- Refuse to validate the debt when you request it
- Harass or threaten you
- Call repeatedly or at odd hours
- Claim you’ll be arrested for nonpayment
Get Help Removing Meade & Associates From Your Credit Report
If you’re struggling to get Meade & Associates off your credit report, professional help can make a big difference. Credit Saint has over 15 years of experience helping clients challenge and remove negative items—including collection accounts.
They’ve helped thousands of people clean up their credit, and they back their service with a 90-day money-back guarantee. Visit their website or call (855) 281-1510 for a free consultation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
