Who is Paul Michael Marketing?
Paul Michael Marketing Service, also known as Paul Michael Associates, is a debt collection agency based in Flushing, New York. The agency’s role is to recover debts on behalf of their clients.
If you see Paul Michael Marketing on your credit report, it indicates that you have a collections account. This can occur if a bill you owed was not paid within the specified time frame.
Who does Paul Michael Marketing collect for?
Paul Michael Marketing is a specialist in the area of debt recovery, offering its services primarily to original creditors. Their clients can come from various industries, such as medical, educational, retail, and financial services among others.
Is Paul Michael Marketing legit or a scam?
Paul Michael Marketing Service 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 Paul Michael Marketing 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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Paul Michael Marketing Service Contact Information
Address:
Paul Michael Associates
159-16 Union Turnpike
Flushing, NY 11366
Phone number: (718) 740-1401
Should I contact or pay Paul Michael Marketing?
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 Credit reports can contain errors or list debts that are no longer valid.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 Paul Michael Marketing is to work with a credit repair professional. They help remove millions of negative items every year from companies like Paul Michael Marketing on behalf of their clients.
Will Paul Michael Marketing sue me or garnish my wages?
While it is possible for a debt collection agency like Paul Michael Marketing to sue for unpaid debts, it’s not a guarantee. Legal action is often considered a last resort after all other attempts at debt collection have been unsuccessful.
If they do decide to sue and are successful in court, they could potentially garnish your wages depending on the laws in your state. However, it’s worth mentioning that lawsuits and wage garnishments involve time, effort, and money for the collection agency. In many cases, they may prefer to work with you to establish a reasonable payment plan before resorting to such measures.
Paul Michael Marketing 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 Paul Michael Marketing
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 Paul Michael Marketing 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.
- Paul Michael Marketing cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Paul Michael Marketing 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.
- Paul Michael Marketing cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Paul Michael Marketing From Your Credit Report Today!
Credit Saint offers assistance with disputing Paul Michael Marketing 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.
