Smith, Rouchon & Associates

Who is Smith, Rouchon & Associates?

Smith, Rouchon & Associates, Inc. is a longstanding debt collection agency with offices in both Jackson, Mississippi, and Florence, Alabama. Their role is to contact individuals who have outstanding debts.

If you have defaulted on a payment or have an outstanding bill, you might find Smith, Rouchon & Associates listed on your credit report as the agency handling the collections account.

Who does Smith, Rouchon & Associates collect for?

Smith, Rouchon & Associates operates on behalf of various original creditors, which could be businesses of any size or sector. This can range from smaller local businesses to larger national corporations across industries such as retail, healthcare, utilities, or financial services.

Is Smith, Rouchon & Associates legit or a scam?

Smith, Rouchon & Associates, Inc. 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 Smith, Rouchon & Associates 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.)

Professional credit repair services work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Smith, Rouchon & Associates, Inc. Contact Information

Address:

Smith, Rouchon & Associates
1456 Ellis Avenue
Jackson, MS 39204

Smith, Rouchon & Associates
1110 Bradshaw Drive
Florence, AL 35630

Phone number: (800) 391-8018

Should I contact or pay Smith, Rouchon & Associates, Inc.?

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 collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with this is to work with a credit repair professional. They help remove millions of negative items every year from companies like Smith, Rouchon & Associates, Inc. on behalf of their clients.

Will Smith, Rouchon & Associates, Inc. sue me or garnish my wages?

Whether Smith, Rouchon & Associates will sue you or garnish your wages depends on the amount of the debt, your responsiveness to their attempts to collect, and the legal measures they’re willing to take. In some cases, debt collectors will file a lawsuit against a debtor. If they win, they may be able to garnish wages or bank accounts, or place a lien on property depending on the laws of your specific state.

Smith, Rouchon & Associates, Inc. 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 Smith, Rouchon & Associates, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collectors don’t take advantage of you. In particular:

• It is a violation of federal law for Smith, Rouchon & Associates 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.
• Smith, Rouchon & Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Smith, Rouchon & Associates 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.
• Smith, Rouchon & Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Smith, Rouchon, and Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Smith, Rouchon, and Associates 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.