If Sarma Collections has appeared on your credit report, your credit score could be suffering. Here’s how to handle it—and how to get the account removed.
Who Is Sarma Collections, Inc.?
Sarma Collections, Inc. is a nationally licensed debt collection agency based in San Antonio, Texas. Their job is to recover unpaid debts on behalf of businesses and service providers.
If Sarma Collections shows up on your credit report, it usually means an unpaid account has been sent to them for collection.
Who Does Sarma Collections Work With?
Sarma Collections provides debt recovery services for a wide range of industries, including:
- Banks and financial institutions
- Healthcare providers
- Local governments and municipalities
- Utility companies
- Telecommunications providers
- Retail businesses
- Real estate companies
The debts they pursue can include unpaid medical bills, personal loans, credit card accounts, government fines, and utility balances.
Is Sarma Collections Legitimate?
Yes, Sarma Collections is a real debt collection agency. But even legitimate companies can report inaccurate information, so it’s always important to verify any debt before making payments or agreeing to terms.
How to Remove Sarma Collections From Your Credit Report
A collection account can remain on your credit report for up to seven years, lowering your credit score the entire time. But there are ways to remove it:
- Dispute inaccurate information: If the account details are incorrect or do not belong to you, file a dispute with the credit bureaus to have it corrected or removed.
- Request debt validation: You have the right to ask Sarma Collections to provide written proof that the debt is valid and the amount is accurate. If they cannot, they must remove the account from your credit report.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account from your credit report if you settle the debt. Always get the agreement in writing before sending any payment.
- Work with a credit repair service: Professionals can help dispute collection accounts or negotiate removal on your behalf, saving you time and frustration.
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 Sarma Collections?
Before contacting Sarma Collections, review your credit report to confirm the debt is legitimate. Credit reports often contain errors, and paying a debt without verifying the details can restart the clock, keeping the negative account on your credit report longer.
If the debt is valid, you can explore settlement or pay-for-delete options. Many people choose to work with a credit repair company to avoid dealing with collectors directly.
Can Sarma Collections Sue or Garnish Wages?
Yes, Sarma Collections has the legal right to sue for unpaid debts. If they take you to court and win, they may be able to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
The actions they can take depend on your state’s laws. However, lawsuits are usually a last resort, as legal action is costly and time-consuming for both parties.
Complaints About Sarma Collections
Like many collection agencies, Sarma Collections has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
The most common complaints include:
- Inaccurate credit reporting
- Harassing phone calls
- Failure to verify debts
If your rights are being violated, you can file a formal complaint with the CFPB or BBB.
Your Rights When Dealing With Sarma Collections
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from abusive collection practices. Your rights include:
- Sarma Collections cannot report false or incomplete information on your credit report.
- You can request written proof that the debt is valid and accurate.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency in all communications.
- They cannot threaten arrest or legal actions they are not legally allowed to take.
Sarma Collections Contact Information
Address:
Sarma Collections, Inc.
555 E Ramsey Rd
San Antonio, TX 78216
Phone: (800) 955-5238
Get Help Removing Sarma Collections From Your Credit Report
Dealing with collection accounts like Sarma Collections can be stressful, but you don’t have to handle it alone. Credit Saint has helped thousands of people remove negative accounts from their credit reports.
With over 15 years of experience, they’ve assisted consumers in improving their credit—and they even offer a 90-day money-back guarantee for peace of mind.
Want to see how they can help? Visit their website or call (855) 281-1510 for a free consultation.
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.
