Who is Trustmark Recovery Services?
Trustmark Recovery Services is a debt collection agency headquartered in Schererville, Indiana. Their primary focus is on the collection of outstanding debts. If you have an unpaid bill or debt that has been transferred to them, you may notice their name listed on your credit report as a collections account.
Who does Trustmark Recovery Services collect for?
Trustmark Recovery Services specializes in the recovery of past-due debts on behalf of original creditors. They work with a range of clients, including credit card companies, financial institutions, healthcare providers, utility companies, and other businesses.
Is Trustmark Recovery Services legit or a scam?
Trustmark Recovery Services is a legitimate company. They operate within the legal framework governing debt collection practices. However, it’s worth noting that they may engage in persistent communication methods, such as spam calls, text messages, or emails, in their debt collection efforts.
How can I remove Trustmark Recovery Services 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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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.
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Trustmark Recovery Services Contact Information
Trustmark Recovery Services
833 W Lincoln Hwy Suite 200W
Schererville, IN 46375
Phone number: (219) 922-5201
Should I contact or pay Trustmark Recovery Services?
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 Trustmark Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Trustmark Recovery Services on behalf of their clients.
Will Trustmark Recovery Services sue me or garnish my wages?
Trustmark Recovery Services has the ability to sue you for an unpaid debt. If they decide to pursue legal action and are successful in obtaining a judgment in their favor, they may be granted certain legal remedies, including the potential to garnish your wages or levy your bank account.
However, it’s important to note that suing or wage garnishment is typically a last resort for debt collection agencies. Before reaching this stage, they are likely to engage in various collection efforts, such as contacting you to arrange payment, negotiating a settlement, or offering a payment plan.
Trustmark Recovery Services 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 Trustmark Recovery Services
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 Trustmark Recovery Services 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.
- Trustmark Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Trustmark Recovery Services 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.
- Trustmark Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Trustmark Recovery Services From Your Credit Report Today!
Credit Saint can assist you in disputing Trustmark Recovery Services 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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