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?
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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Law Offices of Mitchell D. Bluhm and Associates/Capio Partners Contact Information
Address:
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. Credit reports can contain errors or list debts that are no longer valid.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. 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 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 MBA Law Offices
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 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. They have 30 days to prove the debt is yours and the amount is accurate.
- MBA Law Offices cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- MBA Law Offices 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.
- MBA Law Offices cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove MBA Law Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing MBA Law Offices 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.
