Rosenthal, Morgan, & Thomas


Is Rosenthal, Morgan, & Thomas hurting your credit score?

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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 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.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

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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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?

Before contacting a third-party 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 Credit reports can contain errors or list debts that are no longer valid.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 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 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 Rosenthal, Morgan, & Thomas

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

Remove Rosenthal, Morgan, & Thomas From Your Credit Report Today!

Credit Saint can help you dispute Rosenthal, Morgan, & Thomas collection 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

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.