Who is Midwest Service Bureau?
Midwest Service Bureau, Inc. (MSB) is a debt collection agency located in Wichita, Kansas. They specialize in recovering unpaid debts for various creditors. If MSB appears on your credit report, it means they’ve been assigned to collect an outstanding debt you owe, which could impact your credit score.
Who does Midwest Service Bureau collect for?
Midwest Service Bureau provides debt collection services for a variety of institutions, including banks, credit unions, healthcare providers, and utility companies. They act on behalf of these creditors to recover overdue accounts from individuals.
Is Midwest Service Bureau legit or a scam?
Midwest Service Bureau, Inc. is a legitimate debt collection agency authorized to collect on behalf of creditors. While their operations are lawful, always confirm the accuracy of any debt they claim you owe before making a payment. Verifying details helps ensure you’re addressing a valid account.
How can I remove Midwest Service Bureau 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.
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Midwest Service Bureau, Inc. (MSB) Contact Information
Address:
Midwest Service Bureau, Inc.
625 W Maple St.
Wichita, KS 67213
Mailing address:
Midwest Service Bureau, Inc.
PO Box 3888
Wichita, KS 67201
Phone number: (800) 362-0272 or (316) 263-1051
Should I contact or pay Midwest Service Bureau, Inc.?
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 Credit reports can contain errors or list debts that are no longer valid.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 Service Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like Midwest Service Bureau, Inc. on behalf of their clients.
Will Midwest Service Bureau, Inc. sue me or garnish my wages?
Midwest Service Bureau, Inc. (MSB) has the legal right to sue you over an unpaid debt. If they proceed with a lawsuit and a court rules in their favor, they might be able to garnish your wages or levy your bank account, depending on the laws in your area.
However, remember that lawsuits are usually a last resort for debt collectors due to the time and cost involved. Before it reaches this point, MSB will likely attempt to contact you several times to arrange for payment or a payment plan.
Midwest Service Bureau, Inc. 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 Service Bureau, Inc.
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 Service Bureau 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 Service Bureau cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Midwest Service Bureau 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 Service Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Midwest Service Bureau Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Midwest Service Bureau 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.
