Mountain Land Collections

Who is Mountain Land Collections?

Mountain Land Collections, Inc. (MLC) is a debt collection agency based in American Fork, Utah. The company specializes in collecting debts that have been passed onto them by their clients.

If you see MLC listed on your credit report as a collections account, this typically means you have an unpaid bill that has been transferred to them for collection.

Who does Mountain Land Collections collect for?

Mountain Land Collections primarily collects debts for healthcare providers. These can include hospitals, clinics, private practice offices, and other medical service providers. If you have unpaid medical bills, these may have been transferred to MLC for collection.

Is Mountain Land Collections legit or a scam?

Mountain Land Collections is a legitimate debt collection 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 Mountain Land Collections 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.

Mountain Land Collections, Inc. Contact Information

Address:

Mountain Land Collections, Inc.
852 E 1050 S
American Fork, UT 84003

Mailing address:

Mountain Land Collections, Inc.
PO Box 1280
American Fork, UT 84003

Phone number: (801) 492-1596

Should I contact or pay Mountain Land Collections?

It’s best to avoid speaking to a debt collector 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 Mountain Land Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Mountain Land Collections on behalf of their clients.

Will Mountain Land Collections sue me or garnish my wages?

Mountain Land Collections, Inc. may choose to sue for the unpaid debt, especially if the amount is substantial and other collection efforts have failed. If they win the lawsuit and obtain a judgment against you, it’s possible that they could seek to garnish your wages, depending on the laws in your state.

Keep in mind, though, not all collection agencies will go to this length, and there are many steps in the process, including your right to defend yourself in court and possibly negotiate a payment plan or settlement. Furthermore, wage garnishment is typically a last resort and requires court approval.

Mountain Land Collections, 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 Mountain Land Collections

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Mountain Land Collections 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.
• Mountain Land Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Mountain Land Collections 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.
• Mountain Land Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Mountain Land Collections From Your Credit Report Today!

Credit Saint can assist you in disputing Mountain Land Collections 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.