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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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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.?
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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing Smith, Rouchon, and Associates collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
