Who is Rosenthal, Morgan, & Thomas?
Rosenthal, Morgan, & Thomas is a debt collection law firm located in St. Louis, Missouri. They act on behalf of creditors to recover unpaid debts.
If they are listed on your credit report as a collections account, it signifies that an unpaid bill you owe has been handed over to them for collection.
Who does Rosenthal, Morgan, & Thomas collect for?
Rosenthal, Morgan, & Thomas provides debt collection services to a variety of original creditors. Their clientele likely spans numerous industries, which indicates they are equipped to handle a wide range of debts.
Is Rosenthal, Morgan, & Thomas legit or a scam?
Rosenthal, Morgan, & Thomas is a legitimate company. However, like many collection agencies, they may engage in persistent contact attempts, including frequent phone calls, text messages, or emails, in an attempt to recover the debt.
How can I remove Rosenthal, Morgan, & Thomas 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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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Rosenthal, Morgan, & Thomas Contact Information
Rosenthal, Morgan, & Thomas
12747 Olive Blvd. Suite 250
St. Louis, MO 63141
Phone number: (800) 361-0363
Should I contact or pay Rosenthal, Morgan, & Thomas?
Nothing good can come from speaking to a third-party 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 collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Rosenthal, Morgan, & Thomas is to work with a credit repair professional. They help remove millions of negative items every year from companies like Rosenthal, Morgan, and Thomas on behalf of their clients.
Will Rosenthal, Morgan, & Thomas sue me or garnish my wages?
Rosenthal, Morgan, & Thomas, being a law firm specializing in debt collection, has the legal right to sue you for unpaid debts. If they win a lawsuit against you, they can secure a court judgment. Depending on the laws in your state, they might be able to garnish your wages or utilize other collection methods, such as levying your bank account or placing a lien on your property.
However, not every debt collection agency or law firm will choose to sue or garnish wages for every debt. The decision to take legal action often depends on several factors, including the size of the debt, the potential cost of litigation, and the likelihood of successfully collecting the debt.
Rosenthal, Morgan, & Thomas Complaints
Most third-party 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 Rosenthal, Morgan, & Thomas
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 Rosenthal, Morgan, & Thomas 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.
- Rosenthal, Morgan, & Thomas may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Rosenthal, Morgan, & Thomas 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.
- Rosenthal, Morgan, & Thomas cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Rosenthal, Morgan, & Thomas From Your Credit Report Today!
Credit Saint can assist you in disputing Rosenthal, Morgan, & Thomas 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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