If The Stark Collection Agency is showing up on your credit report, it can hurt your credit score and make it harder to qualify for loans or credit cards. Here’s what you need to know about this collection agency and how to get them off your credit report.
Who Is The Stark Collection Agency?
The Stark Collection Agency, Inc. is a debt collector based in Madison, Wisconsin. They collect past-due accounts for other businesses.
If they appear on your credit report, it usually means a creditor has sent your unpaid debt to them for collection.
Who Does The Stark Collection Agency Collect For?
The Stark Collection Agency works with businesses in several industries, including:
- Check recovery and retail companies
- Healthcare providers
- Government agencies
- Property management companies (for rent or damage claims)
- Subrogation services
- Telecommunications companies
If you have outstanding bills with any of these, your account may have ended up with Stark.
Is The Stark Collection Agency Legitimate?
Yes, The Stark Collection Agency is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. But that doesn’t mean you should assume everything is accurate. Always verify the details before making payments.
Credit reports often contain mistakes, so checking the accuracy of the debt is an important first step.
How to Remove The Stark Collection Agency From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to try to remove them sooner:
- Dispute the Account: If the information is inaccurate, outdated, or incomplete, file a dispute with the credit bureaus. You can do this on your own or through a credit repair company.
- Negotiate a Pay-for-Delete: Sometimes you can offer to pay the debt (in full or partially) in exchange for the account being removed from your credit report. Always get the agreement in writing.
- Hire a Credit Repair Service: Professional credit repair companies work with collection agencies regularly and know how to challenge negative items effectively.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay The Stark Collection Agency?
Before you contact Stark or make a payment:
- Verify that the debt is yours.
- Confirm the amount is correct.
- Understand that in some states, making a payment can restart the statute of limitations.
Many people choose to work with credit repair professionals to handle collection accounts like Stark, especially if the process feels confusing or stressful.
Can The Stark Collection Agency Sue You or Garnish Wages?
Yes, they have the right to sue you over unpaid debts. If they win in court, they may be allowed to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
These actions depend on state laws and typically happen only after other collection efforts fail. Most collection agencies prefer to work out a payment plan or settlement first.
Complaints About The Stark Collection Agency
Like many debt collectors, The Stark Collection Agency has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect information reported to credit bureaus
- Harassment or aggressive collection tactics
- Failure to properly verify debts
If you believe your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With The Stark Collection Agency
You are protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which provide important consumer protections:
- Debt Validation: You have the right to request proof that the debt is yours and accurate. Send a written debt validation letter, and they must respond within 30 days.
- No Harassment: They cannot call excessively, use threatening language, or harass you in any way.
- Clear Communication: They must identify themselves as a debt collector and notify you of your rights.
- No Arrest Threats: They cannot threaten to have you arrested for unpaid debts.
Knowing your rights can help you handle collection agencies confidently.
The Stark Collection Agency Contact Information
Address:
The Stark Collection Agency
6425 Odana Rd, Suite 22
Madison, WI 53719
Phone Numbers:
(877) 274-7764
(608) 274-7764
Need Help Removing The Stark Collection Agency From Your Credit Report?
If you’re overwhelmed dealing with collection accounts, professional help is available. Credit Saint has been helping clients challenge negative marks for over 15 years. They even offer a 90-day money-back guarantee for extra peace of mind.
Want to take the next step toward better credit? Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
