SRA Associates

Is SRA Associates hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is SRA Associates?

SRA Associates, also known as Strategic Resource Alternatives, is a third-party debt collection agency based in Mount Laurel, New Jersey. Their primary role is to pursue the collection of outstanding debts on behalf of original creditors.

If SRA Associates appears on your credit report as a collections account, it typically means that they are attempting to collect a debt that you owe. This usually occurs when you have an unpaid bill that the original creditor has been unable to collect.

Who does SRA Associates collect for?

SRA Associates caters to a diverse client base across various sectors. They recover unpaid auto loans and leases, commercial loans, and credit card debts. They also assist lenders by collecting on home equity loans and mortgages.

Additionally, they help homeowner associations by recovering unpaid fees. For the healthcare sector, SRA handles unpaid medical bills. Furthermore, they manage collections for specialty loans, such as those for boats and RVs. Student loan recovery is another area of their expertise.

Is SRA Associates legit or a scam?

SRA Associates 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 SRA 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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.

SRA Associates Contact Information


SRA Associates
112 W Park Dr. Ste 200
Mount Laurel, NJ 08054-1246

SRA Associates
401 Minnetonka Rd
Hi Nella, NJ 08083-2914

Phone number: (844) 567-7886 or (856) 925-1000

Should I contact or pay SRA Associates?

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 SRA Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like SRA Associates on behalf of their clients.

Will SRA Associates sue me or garnish my wages?

SRA Associates does have the ability to sue you in court for the non-payment of a debt. If they are successful in their lawsuit and obtain a judgment against you, depending on your state’s laws, they may be allowed to garnish your wages or take other steps to recover the debt, such as levying your bank account.

It’s important to remember that legal action is generally a last resort for most debt collectors. The cost, time, and resources required for court proceedings make lawsuits less desirable, and most agencies prefer to resolve the debt issue through repayment plans or settlements whenever possible.

SRA Associates 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 SRA Associates

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

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

Remove SRA Associates From Your Credit Report Today!

Credit Saint can assist you in disputing SRA 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.

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