Municipal Collection Services


Is Municipal Collection Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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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. 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 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

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 Municipal Collection Services

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 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Municipal Collection Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Municipal Collection Services 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.
  • Municipal Collection Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Municipal Collection Services From Your Credit Report Today!

Credit Saint can help you dispute Municipal Collection Services accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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