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?
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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Paul Michael Marketing Service Contact Information
Paul Michael Associates
159-16 Union Turnpike
Flushing, NY 11366
Phone number: (718) 740-1401
Should I contact or pay Paul Michael Marketing?
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 debt, especially if it’s new, and you’re certain that it’s legit.
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
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 Paul Michael Marketing
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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Paul Michael Marketing may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Paul Michael Marketing 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.
- Paul Michael Marketing cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Paul Michael Marketing From Your Credit Report Today!
Credit Saint can assist you in disputing Paul Michael Marketing collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
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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