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?
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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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?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 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
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 Mountain Land Collections
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 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Mountain Land Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Mountain Land Collections 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.
- Mountain Land Collections cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Mountain Land Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Mountain Land Collections 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.
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