SRA Associates


Is SRA 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 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 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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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?

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 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

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 SRA Associates

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • SRA Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • SRA 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.
  • SRA Associates cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove SRA Associates From Your Credit Report Today!

Credit Saint can help you dispute SRA 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

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