Is Midwest Fidelity Services Hurting Your Credit?

Who is Midwest Fidelity Services, LLC?

Midwest Fidelity Services, LLC is a professional debt collection agency, headquartered in Ottawa, Kansas. They recover funds from debts that have not been paid.

If you find Midwest Fidelity Services, LLC on your credit report, it suggests that you have an outstanding debt that was handed over to them by the original creditor, often because of delayed or non-payment.

Who does Midwest Fidelity Services collect for?

Midwest Fidelity Services, LLC serves a varied client base, specifically focusing on medical, dental, and commercial sectors. They act on behalf of these businesses to collect outstanding debts. This might include debts like unpaid medical bills, overdue dental service charges, or unsettled invoices from commercial businesses.

Is Midwest Fidelity Services legit or a scam?

Midwest Fidelity 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 Midwest Fidelity Services from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

Midwest Fidelity Services, LLC Contact Information

Address:

Midwest Fidelity Services, LLC
103 S Main St
Ottawa, KS 66067

Phone number: (844) 343-4589

Should I contact or pay Midwest Fidelity Services, LLC?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like Midwest Fidelity Services, LLC on behalf of their clients.

Will Midwest Fidelity Services, LLC sue me or garnish my wages?

While Midwest Fidelity Services, LLC, like any debt collection agency, is entitled to sue you to collect an outstanding debt, it is typically not their immediate course of action. The company aims to work out a payment plan with the debtor, and legal action is usually considered a last resort when all other attempts at resolution have been exhausted. If they obtain a judgment against you, they could potentially garnish your wages.

Midwest Fidelity Services, LLC Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Midwest Fidelity Services, LLC

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for Midwest Fidelity 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. They have 30 days to prove the debt is yours and the amount is accurate.
• Midwest Fidelity Services, LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Midwest Fidelity Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• Midwest Fidelity Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Midwest Fidelity Services From Your Credit Report Today!

Credit Saint offers assistance with disputing Midwest Fidelity Services collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.