Who is Midwest Service Bureau?
Midwest Service Bureau, Inc. (MSB) is a debt collection agency based in Wichita, Kansas. They work on behalf of creditors to pursue unpaid debts.
If you find MSB listed on your credit report, it indicates an outstanding debt that they are attempting to collect.
Who does Midwest Service Bureau collect for?
Midwest Service Bureau collects for a range of institutions, including banks, credit unions, healthcare and medical facilities, and utility companies.
Is Midwest Service Bureau legit or a scam?
Midwest Service Bureau, Inc. 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 Service Bureau 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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
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.?
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 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
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 Midwest Service Bureau, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Midwest Service Bureau may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Midwest Service Bureau 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.
- Midwest Service Bureau cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Midwest Service Bureau Collections From Your Credit Report Today!
Lexington Law can assist you in disputing Midwest Service Bureau collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
