Stenger & Stenger, PC

Who is Stenger & Stenger?

Stenger & Stenger, P.C. is a law firm specializing in debt collection, based in Grand Rapids, Michigan. As well as providing legal services, they also operate as a debt collection agency. Their operations span several states, including Colorado, Georgia, Indiana, Kentucky, Michigan, Minnesota, New Jersey, Ohio, and Tennessee.

If Stenger & Stenger, P.C. appears on your credit report, it usually means they have been engaged to collect a debt you owe. This usually occurs when an original creditor has been unsuccessful in their collection efforts and has either sold the debt or engaged a third party for collection.

Who does Stenger & Stenger, P.C. collect for?

Stenger & Stenger, P.C. provides debt collection services to a variety of clients. As a debt buyer, they purchase delinquent or charged-off debts from original creditors, typically at a fraction of the original amount owed.

Their client base primarily consists of banks, creditors, and other debt buyers. They may handle a range of debt types, including credit card debts, loans, and other forms of consumer debts.

Is Stenger & Stenger, P.C. legit or a scam?

Stenger & Stenger, P.C. 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 Stenger & Stenger 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.)

Professional credit repair services assist people in getting their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Stenger & Stenger, P.C. Contact Information

Address:

Stenger & Stenger, PC
2618 East Paris Ave. SE
Grand Rapids, MI 49546

Phone number: (888) 305-7775 or (616) 940-1190

Should I contact or pay Stenger & Stenger?

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. Of course, there are times when it’s best to just negotiate a debt settlement agreement, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Stenger & Stenger is to work with a credit repair professional. They help remove millions of negative items every year from companies like Stenger & Stenger on behalf of their clients.

Will Stenger & Stenger sue me or garnish my wages?

Stenger & Stenger, P.C., as a debt collection law firm, has the legal right to sue you in court for the non-payment of a debt. If the lawsuit proceeds and they obtain a judgment against you, they could potentially garnish your wages, levy your bank account, or seize certain assets, depending on your state’s laws.

However, taking a debtor to court is typically a last resort for collection agencies and law firms. The legal process can be expensive and time-consuming, and most prefer to work out some form of payment arrangement or settlement before resorting to a lawsuit.

Stenger & Stenger, P.C. 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 Stenger & Stenger, P.C.

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 Stenger & Stenger, P.C. 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.
• Stenger & Stenger cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Stenger & Stenger 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.
• Stenger & Stenger cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Stenger & Stenger From Your Credit Report Today!

Credit Saint can help you dispute Stenger & Stenger 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.