Who is Mediation Processing Services?
Mediation Processing Services, LLC, also known as Global Processing Services, is a debt collection agency based in Jacksonville, Florida. They are involved in the collection of unpaid debts on behalf of creditors.
If you see Mediation Processing Services listed on your credit report as a collections account, it usually indicates that they have been assigned a debt that you allegedly owe, often due to a delinquent bill or an unpaid payday loan.
Who does Mediation Processing Services collect for?
Mediation Processing Services specializes in the collection of delinquent payday loans. They partner with various payday lenders, including but not limited to Advance America and CashNet USA, to recover funds owed by individuals who have failed to repay their payday loans.
Is Mediation Processing Services legit or a scam?
While there are online reports suggesting that Mediation Processing Services might be a scam, it’s essential to note that they are indeed a registered debt collection agency. However, the allegations often stem from aggressive or misleading collection practices, which are unfortunately not uncommon in the industry.
If you are contacted by Mediation Processing Services, it’s crucial to verify the debt and the agency’s details before making any payments.
How can I remove Mediation Processing Services from my credit report?
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.)
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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.
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Mediation Processing Services, LLC Contact Information
Mediation Processing Services, LLC
3941 Pall Mall Dr.
Jacksonville, FL 32257
Mediation Processing Services, LLC
155 Blanding Blvd Ste 6C-D
Orange Park, FL 32073-2630
Phone number: (904) 579-3522
Should I contact or pay Mediation Processing Services?
It’s best to avoid speaking to a collection agency 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 collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Mediation Processing Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Mediation Processing Services on behalf of their clients.
Will Mediation Processing Services sue me or garnish my wages?
Mediation Processing Services, LLC does have the legal authority to file a lawsuit against individuals for unpaid debts. If they choose to sue and the court rules in their favor, they could potentially seek wage garnishment or bank levies, depending on the laws of your state.
However, it’s crucial to note that such legal actions are typically seen as a last resort in the debt collection process. Prior to such steps, the agency would likely attempt to contact the debtor to arrange a payment plan or negotiate a settlement for the debt.
Mediation Processing Services 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 Mediation Processing Services
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector 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 Mediation Processing Services 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.
- Mediation Processing Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Mediation Processing Services 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.
- Mediation Processing Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Mediation Processing Services From Your Credit Report Today!
Credit Saint can assist you in disputing Mediation Processing Services 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.
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