Smith, Rouchon & Associates


Is Smith, Rouchon & Associates hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

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 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.)

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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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Smith, Rouchon & Associates, Inc. Contact Information


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.?

Before contacting a 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 Credit reports can contain errors or list debts that are no longer valid.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 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

Many collection agencies have numerous complaints filed 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 Smith, Rouchon & Associates, Inc.

Debt collectors must follow state and federal laws. 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Smith, Rouchon & Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Smith, Rouchon & Associates 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.
  • Smith, Rouchon & Associates cannot threaten to have you arrested or imprisoned for unpaid debts.

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

Credit Saint can help you dispute Smith, Rouchon, and Associates 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.