Who is MBA Law Offices?
MBA Law Offices, also known as Capio Partners and Mitchell D. Bluhm & Associates, LLC, is a law firm that operates out of Sherman, Texas. They specialize in debt collection, serving as an intermediary between debtors and their creditors to facilitate the repayment of outstanding debts.
If you have a debt that has not been paid, it may be sold or transferred to a collection agency such as MBA Law Offices. When this occurs, you may see their name listed on your credit report as a collections account.
Who does MBA Law Offices collect for?
MBA Law Offices primarily collects for health care providers. They manage and collect medical debt, which can include unpaid bills from hospitals, clinics, doctor’s offices, and other health-related services.
Is MBA Law Offices legit or a scam?
MBA Law Offices is a legitimate debt collection agency. They operate within the legal framework for debt collection and adhere to the necessary standards and regulations. However, it’s always wise to request written validation from the agency to confirm the legitimacy and specifics of the debt.
How can I remove MBA Law Offices 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.)
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Law Offices of Mitchell D. Bluhm and Associates/Capio Partners Contact Information
The Law Offices of Mitchell D. Bluhm and Associates, LLC
3400 Texoma Pkwy Ste 100
Sherman, TX 75090-1916
Phone number: (866) 945-8627
Should I contact or pay MBA Law Offices?
Before contacting a collection agency, 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 Sometimes, credit reports contain errors or list debts that are no longer valid.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. 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 MBA Law collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like MBA Law Offices on behalf of their clients.
Will MBA Law Offices sue me or garnish my wages?
MBA Law Offices has the legal authority to file a lawsuit against a debtor in case of significant unpaid debt and unsuccessful attempts at other collection methods. If the court rules in their favor, they might obtain a judgment against you, which could potentially result in wage garnishment or a bank account levy, subject to the specific laws of your state.
However, these measures are typically the last resort for collection agencies. Before taking such drastic steps, MBA Law Offices are likely to try other methods of debt recovery, like negotiating a payment plan or proposing a debt settlement.
MBA Law Offices Complaints
Most third-party 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 MBA Law Offices
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector 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 MBA Law Offices 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.
- MBA Law Offices may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- MBA Law Offices 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.
- MBA Law Offices cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove MBA Law Collections From Your Credit Report Today!
Credit Saint can assist you in disputing MBA Law Offices collection 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.
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