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 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.)

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.

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?

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. 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

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 Stenger & Stenger, P.C.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Stenger & Stenger may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Stenger & Stenger 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.
• Stenger & Stenger cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Stenger & Stenger From Your Credit Report Today!

Credit Saint can assist you in disputing Stenger & Stenger 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.