Who is Morgan & Associates?
Morgan & Associates, P.C. is a debt collection agency and law firm located in Oklahoma City, Oklahoma. They also have locations in Overland Park, Kansas and St. Louis, Missouri.
If you see Morgan & Associates listed on your credit report as a collections account, it indicates an unpaid debt that has been handed over to them for recovery.
Who does Morgan & Associates collect for?
Morgan & Associates offers their debt collection services primarily to payday lenders. These lenders provide short-term, high-interest loans, and often face challenges in debt recovery.
Is Morgan & Associates legit or a scam?
Morgan & Associates 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 Morgan & Associates 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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Morgan & Associates, P.C. Contact Information
Addresses:
Morgan & Associates
2601 Northwest Expressway, Ste 205E
Oklahoma City, OK 73112
Morgan & Associates
7300 College Blvd, Ste 170
Overland Park, KS 66210
Morgan & Associates
1010 Market Street, Ste 1605
St. Louis, MO 63101
Phone number: (800) 299-8457
Should I contact or pay Morgan & Associates?
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 Credit reports can contain errors or list debts that are no longer valid.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 Morgan & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Morgan and Associates on behalf of their clients.
Will Morgan & Associates sue me or garnish my wages?
Morgan & Associates has the legal capacity to sue you for unpaid debts. If they win the lawsuit, they might obtain a judgment against you. This judgment could potentially allow them to garnish your wages or levy your bank account, depending on your state’s laws.
However, legal action is often viewed as a last resort due to its costly and time-consuming nature. They typically prefer to work out a payment plan or settlement agreement first.
Morgan & Associates, P.C. 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 Morgan & Associates, P.C.
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 Morgan & Associates P.C. to report inaccurate or incomplete information about you.
- Request debt validation. Under the FDCPA, you have the right to validate a debt. The collection agency reporting the information must prove to you, within 30 days, that the account is really your responsibility and the amount of money you owe is accurate.
- Morgan & Associates, P.C. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Morgan & Associates P.C. 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.
- Morgan & Associates P.C. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Morgan & Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing Morgan and Associates 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.
