Morgan & Associates

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?

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.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

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?

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 debt, especially if it’s new, and you’re certain that it’s legit.

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

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 Morgan & Associates, P.C.

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 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. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Morgan & Associates P.C. 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.
• Morgan & Associates P.C. cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Morgan & Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Morgan and Associates 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.