If you’ve noticed Municipal Collection Services on your credit report, you might be wondering how it got there—and what to do about it. Here’s what you need to know to protect your credit and your rights.
Who Is Municipal Collection Services?
Municipal Collection Services, Inc. (MCSI) is a debt collection agency based in Palos Heights, Illinois. They specialize in collecting unpaid debts, often on behalf of cities, towns, and counties.
If they’ve contacted you or appeared on your credit report, it likely means there’s an unpaid balance tied to a municipal fine or service.
What Types of Debts Does Municipal Collection Services Collect?
Municipal Collection Services focuses on recovering debts owed to local government agencies. These debts often include:
- Traffic violations – Red-light tickets, parking fines, and other unpaid citations
- Utility bills – Unpaid water, sewer, or other city services
- Other municipal fees – Debts linked to local ordinances or fines
If you’ve fallen behind on any of these, Municipal Collection Services might be trying to collect.
Is Municipal Collection Services a Legitimate Company?
Yes, Municipal Collection Services is a real debt collection agency. They are legally allowed to collect debts for their clients. That said, always confirm that any debt they claim you owe is accurate before agreeing to pay.
How to Remove Municipal Collection Services From Your Credit Report
A collection account can damage your credit score for up to seven years. But you might have options to remove it sooner.
Here’s how to approach it:
- Dispute errors – If the debt isn’t yours or is reported inaccurately, file a dispute with the credit bureaus.
- Request debt validation – You have the right to ask Municipal Collection Services to prove the debt is valid.
- Negotiate a pay-for-delete – In some cases, you can offer payment in exchange for having the account removed from your credit report.
- Work with a credit repair company – Professionals can help challenge questionable collections and guide you through the process.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Municipal Collection Services?
Before making contact, double-check that the debt is valid. Credit reports often contain errors, and some debts may be past the statute of limitations for collection.
Keep in mind:
- Making a payment can reset the clock on the debt.
- You have the right to request written verification.
- If you feel unsure, consider working with a reputable credit repair company before taking action.
Can Municipal Collection Services Sue You or Garnish Your Wages?
Yes, they can file a lawsuit to collect unpaid debts. If they win, they may be granted a judgment, which could lead to wage garnishment, bank account levies, or property liens—depending on your state’s laws.
Lawsuits and wage garnishment are typically last-resort options. Most collectors would rather set up a payment plan than go through costly legal action.
Municipal Collection Services Contact Information
Address:
Municipal Collection Services
7330 W College Dr, Suite 108
Palos Heights, IL 60463
Phone: (708) 448-6669
Common Complaints About Municipal Collection Services
Debt collection agencies often receive complaints, and Municipal Collection Services is no exception. Issues reported to the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) often include:
- Inaccurate reporting
- Harassing phone calls
- Failure to verify debts
If you experience any of these problems, you can file a formal complaint and know that consumer protection laws are on your side.
Your Rights When Dealing With Municipal Collection Services
Federal and state laws protect you from unfair debt collection practices. Under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA):
- They cannot report false or incomplete information.
- You can demand proof that the debt is valid.
- Harassment, repeated calls, threats, or abusive language is prohibited.
- They must clearly identify themselves as debt collectors.
- They cannot threaten arrest for unpaid debts.
Know your rights and stand your ground when dealing with any collection agency.
Remove Municipal Collection Services From Your Credit Report Today
If dealing with collection accounts feels overwhelming, professional help is available. Credit Saint has been helping clients dispute negative credit entries for over 15 years.
They can assist with challenging collections from companies like Municipal Collection Services—and they even offer a 90-day money-back guarantee for extra peace of mind.
Call (855) 281-1510 or visit their website to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
