Who is Szabo Associates?
Szabo Associates, Inc., based in Atlanta, Georgia, is a third-party debt collection agency that operates to assist businesses in recovering past-due debts.
If you have unpaid debts, these may have been sold or transferred to Szabo Associates for collection, leading to their appearance on your credit report as a collections account.
Who does Szabo Associates collect for?
Szabo Associates provides debt collection services across a wide array of industries. While the specific industries or sectors they service are not explicitly listed, it’s known that they focus on recovering past-due debts for original creditors. This could encompass various forms of consumer debt, including credit cards, medical bills, student loans, or other types of personal debt.
Is Szabo Associates legit or a scam?
Szabo Associates is a legitimate company. However, their attempts to recover unpaid debts may involve frequent contact, including calls, texts, or emails. While these practices may feel invasive, they are typically legal as long as they comply with FDCPA rules.
How can I remove Szabo 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.)
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Szabo Associates Contact Information
Szabo Associates, Inc.
3355 Lenox Road, N.E., Suite 945
Atlanta, GA 30326
Phone number: (404) 266-2464
Should I contact or pay Szabo 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 Szabo Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Szabo Associates on behalf of their clients.
Will Szabo Associates sue me or garnish my wages?
Szabo Associates, Inc. does have the legal right to file a lawsuit against you for an unpaid debt. If they win the lawsuit, they may obtain a judgment from the court that could lead to wage garnishment or other forms of asset seizure, depending on the laws of your state.
However, it’s important to understand that this is generally a last resort in the debt collection process. Before it gets to this point, Szabo Associates will likely have attempted to contact you multiple times to try to work out a repayment plan.
Szabo 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 Szabo Associates
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Szabo 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.
- Szabo Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Szabo 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.
- Szabo Associates cannot threaten to have you arrested or imprisoned over unpaid debts.
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If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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