Who is MSCB Inc?
MSCB Inc, which also operates under the names Mid South Credit Bureaus, Inc., and Accounts Receivable Management Services, is a debt collection agency. Their headquarters are located in Paris, Tennessee.
They may appear on your credit report as a collection account if you have an unpaid bill.
Who does MSCB Inc collect for?
MSCB Inc provides debt collection services primarily for clients in the healthcare industry. These clients can range from small private medical practices to large hospitals and healthcare systems. The debts could be from various sources including unpaid patient balances after insurance reimbursements, co-pays, deductibles, or for services not covered by insurance.
Is MSCB Inc legit or a scam?
MSCB Inc 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 MSCB Inc 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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MSCB Inc Contact Information
Address:
MSCB Inc
1410 Industrial Park Road
Paris, TN 38242
Phone number: (800) 748-3074 or (731) 642-8454
Should I contact or pay MSCB Inc?
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 Credit reports can contain errors or list debts that are no longer valid.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 MSCB Inc is to work with a credit repair professional. They help remove millions of negative items every year from companies like MSCB Inc on behalf of their clients.
Will MSCB Inc sue me or garnish my wages?
MSCB Inc does have the potential to sue you for unpaid debts. However, this action is typically considered as a last resort, following unsuccessful attempts at debt collection through other means such as phone calls, letters, or setting up payment plans.
If MSCB Inc decides to sue you and wins in court, they could receive a judgment. This may allow them to garnish your wages or levy your bank account. In some states, they might also be able to place a lien on your property.
MSCB Inc Complaints
Many collection agencies have numerous complaints filed 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 MSCB Inc 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with MSCB Inc
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 MSCB Inc to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send MSCB Inc a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- MSCB Inc cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- MSCB Inc 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.
- MSCB Inc cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove MSCB Inc From Your Credit Report Today!
Credit Saint offers assistance with disputing MSCB Inc 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.
