Who is Municipal Collection Services?
Municipal Collection Services, Inc. (MCSI) is a debt collection agency located in Palos Heights, Illinois. They are responsible for managing and collecting outstanding debts.
If you notice MCSI listed on your credit report, it’s likely because you have an unpaid bill or debt. This could be a direct result of not paying a certain financial obligation such as a utility bill, traffic violation fine, or similar debts.
Who does Municipal Collection Services collect for?
Municipal Collection Services, Inc. is primarily engaged in the recovery of municipal debts. This includes liabilities owed to various governmental bodies such as cities, villages, and counties.
The nature of these debts often comes from a variety of municipal violations and overdue services. This could encompass traffic offenses like red-light violations and unpaid parking tickets, or other civic services like unpaid utility bills.
Is Municipal Collection Services legit or a scam?
Municipal Collection Services, 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 Municipal Collection Services 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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Municipal Collection Services Contact Information
Municipal Collection Services
7330 W College Dr, Suite 108
Palos Heights, IL 60463
Phone number: (708) 448-6669
Should I contact or pay Municipal Collection Services?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Municipal Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Municipal Collection Services on behalf of their clients.
Will Municipal Collection Services sue me or garnish my wages?
Municipal Collection Services does have the legal right to sue a debtor in court to collect on unpaid debts. If the court rules in their favor, they may be awarded a judgment that could potentially result in wage garnishment, a lien on your property, or bank account levy, depending on the laws of your state.
However, it’s important to note that such actions are typically considered last resorts in the debt collection process. Most collection agencies prefer to work out payment arrangements with debtors to avoid the time and cost of legal proceedings.
Municipal Collection Services 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 Municipal Collection Services
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, 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 Municipal Collection Services 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.
- Municipal Collection Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Municipal Collection Services 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.
- Municipal Collection Services 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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