Is Midwest Receivable Solutions Hurting Your Credit?

Updated

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Who is Midwest Receivable Solutions?

Midwest Receivable Solutions, LLC (MRS) is a debt collection agency based in Kalamazoo, Michigan. Their primary role is to collect unpaid debts on behalf of their clients. These debts are typically sold or transferred to them by the original creditor due to non-payment.

If Midwest Receivable Solutions appears on your credit report as a collections account, it usually indicates that there is a debt assigned to them for collection.

Who does Midwest Receivable Solutions collect for?

Midwest Receivable Solutions specializes in debt collection for a variety of sectors, including government agencies, healthcare providers, insurance companies, and utility companies.

Is Midwest Receivable Solutions legit or a scam?

Midwest Receivable Solutions is a legitimate company. They are authorized to carry out debt collection activities on behalf of their clients. However, with any collections claim, it’s imperative to ensure the accuracy of the debt they claim you owe.

How can I remove Midwest Receivable Solutions 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.

Ready to Clean Up Your Credit Report?

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

Midwest Receivable Solutions, LLC Contact Information

Address:

Midwest Receivable Solutions
2323 Gull Rd Ste E
Kalamazoo, MI 49048

Phone number: (888) 364-0272

Should I contact or pay Midwest Receivable Solutions?

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 Credit reports can contain errors or list debts that are no longer valid.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 Midwest Receivable Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Midwest Receivable Solutions on behalf of their clients.

Will Midwest Receivable Solutions sue me or garnish my wages?

Midwest Receivable Solutions, like any other debt collection agency, can potentially sue you if you don’t pay a debt. If they decide to do this and they win the case, the court may issue a judgment against you. This judgment could then provide them with the legal means to garnish your wages or levy your bank account to recover the owed amount, depending on the laws of your state.

However, remember that legal action is generally considered a last resort for collection agencies. They are usually more inclined to work out a payment plan or a settlement with you directly.

Midwest Receivable Solutions, 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 Receivable Solutions, 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 Receivable Solutions 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 Receivable Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Midwest Receivable Solutions 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 Receivable Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Midwest Receivable Solutions From Your Credit Report Today!

Credit Saint offers assistance with disputing Midwest Receivable Solutions 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.

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