Meridian Financial Services


Is Meridian Financial Services hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Meridian Financial Services?

Meridian Financial Services, Inc. is a debt collection agency based in Asheville, North Carolina. They specialize in helping businesses recover unpaid debts.

If Meridian Financial Services appears on your credit report, it typically means you have a debt that’s been transferred to them for collection.

Who does Meridian Financial Services collect for?

Meridian Financial Services operates in a specific niche, collecting debts for homeowner associations, hotel developers, property management companies, and timeshare businesses.

Is Meridian Financial Services legit or a scam?

Meridian Financial Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Meridian Financial 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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.

Meridian Financial Services, Inc. Contact Information


Meridian Financial Services, Inc.
1636 Hendersonville Rd Ste 135
Asheville, NC 28803

Phone number: (828) 670-7557

Should I contact or pay Meridian Financial Services?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Meridian Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Meridian Financial Services on behalf of their clients.

Will Meridian Financial Services sue me or garnish my wages?

Meridian Financial Services, like any other debt collection agency, has the legal capacity to sue you in court if you have a significant unpaid debt and other collection attempts have been unsuccessful. If they win a lawsuit and receive a judgment against you, they could potentially garnish your wages or levy your bank account, subject to your state’s specific laws.

However, these measures are often considered last resorts, and agencies like Meridian Financial Services would typically attempt other methods of recovering the debt first. This could include negotiation, setting up a payment plan, or offering to settle the debt for less than the full amount owed.

Meridian Financial Services, Inc. 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 Meridian Financial Services, Inc.

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 Meridian Financial 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.
  • Meridian Financial Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Meridian Financial 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.
  • Meridian Financial Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Meridian Financial Services From Your Credit Report Today!

Credit Saint can assist you in disputing Meridian Financial 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.

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.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.