If Tate & Kirlin Associates shows up on your credit report, it likely means a debt has gone to collections. Here’s what you need to know and how to handle it.
Who Is Tate & Kirlin Associates?
Tate & Kirlin Associates, Inc. (TKA) is a debt collection law firm based in Langhorne, Pennsylvania. They’ve been collecting unpaid debts for businesses since 1993.
If you’ve missed payments on a bill or account, Tate & Kirlin may have been hired to collect. They often report accounts to the credit bureaus, which can lower your credit score.
Who Does Tate & Kirlin Associates Collect For?
Tate & Kirlin collects debts for companies in banking, healthcare, and retail. This includes:
- Credit card companies for unpaid balances
- Medical providers for past-due bills
- Retail businesses for unpaid accounts or services
If they’ve contacted you, it’s likely tied to one of these areas.
Is Tate & Kirlin Associates Legit or a Scam?
Tate & Kirlin Associates is a real company, not a scam. They are authorized to collect debts for their clients. Still, never assume a debt is valid without confirming the details.
Credit reports often contain errors, so it’s smart to verify any account they claim you owe.
How to Remove Tate & Kirlin Associates From Your Credit Report
Collections can damage your credit score for up to seven years, but there are steps to address the account:
- Dispute Inaccuracies: Review your credit report for errors. If anything is incorrect or outdated, file a dispute with the credit bureaus.
- Request Debt Validation: You have the right to ask Tate & Kirlin to prove the debt is yours and that the amount is accurate.
- Negotiate Pay-for-Delete: Sometimes, you can offer to settle the account if they agree in writing to remove it from your credit report.
- Work With a Credit Repair Company: Professionals can help you challenge collection accounts and improve your credit.
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 Tate & Kirlin Associates?
Before paying or reaching out to Tate & Kirlin, confirm the debt is accurate and still valid. Making a payment on old debt can reset the statute of limitations, making it harder to remove from your credit report.
If you’re unsure what to do, working with a credit repair company can help you avoid common mistakes.
Can Tate & Kirlin Associates Sue or Garnish Your Wages?
Tate & Kirlin Associates can sue you for unpaid debts. If they win in court, they could garnish your wages, depending on the laws in your state.
Most collection agencies prefer to settle debts without going to court. They often offer payment plans or reduced settlements.
Complaints Against Tate & Kirlin Associates
Like many collection agencies, Tate & Kirlin has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting on credit reports
- Harassing phone calls
- Failing to verify debts when requested
If you believe your rights are being violated, you can file a complaint with these agencies.
Your Rights When Dealing With Tate & Kirlin Associates
Federal laws protect you when dealing with debt collectors, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what those laws mean for you:
- They cannot report false or incomplete information
- You can request proof the debt belongs to you
- They cannot harass, threaten, or repeatedly call you
- They must clearly state they are a debt collection agency
- They cannot threaten arrest or jail for unpaid debts
Knowing your rights helps you avoid unfair treatment.
Tate & Kirlin Associates Contact Information
Address:
Tate & Kirlin Associates, Inc.
580 Middletown Blvd, Ste 240
Langhorne, PA 19047
Phone: (800) 355-0333 or (888) 922-9520
Remove Tate & Kirlin Associates From Your Credit Report Today
If a collection account from Tate & Kirlin is hurting your credit, expert help is available. Credit Saint has over 15 years of experience helping people dispute inaccurate items and improve their credit. They even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 for a free consultation and find out how they can help you.
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.
