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?
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.)
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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.
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MSCB Inc Contact Information
1410 Industrial Park Road
Paris, TN 38242
Phone number: (800) 748-3074 or (731) 642-8454
Should I contact or pay MSCB Inc?
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 collection account, especially if it’s new, and you’re certain that it’s legit.
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
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 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with MSCB Inc
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- MSCB Inc may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- MSCB Inc 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.
- MSCB Inc cannot threaten to have you arrested or imprisoned over unpaid debts.
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If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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