If you’ve spotted Wakefield and Associates on your credit report, it likely means you have an unpaid debt that’s gone to collections. This can seriously hurt your credit score—but there are ways to deal with it.
Who Is Wakefield and Associates?
Wakefield and Associates, Inc. is a third-party debt collection agency headquartered in Aurora, Colorado. They’ve been around since 1946 and work with clients in several industries, with a strong focus on medical debt.
If you see their name on your credit report, it usually means a medical provider or another service-based company sent your unpaid bill to them for collection.
How Wakefield and Associates Might Show Up on Your Credit Report
They might not always appear under their full name. Look for entries like:
- wakeassoc
- wakefield & assoc
- wakefield associates
- wakefield collections
- wakefield payment solutions
- wakefield rrc
What Types of Debt Does Wakefield and Associates Collect?
Wakefield and Associates collects on behalf of companies in:
- Healthcare (hospitals, clinics, physician groups)
- Emergency medical services
- Dental offices
- Colleges and universities
- Financial services
- Property management
- Commercial and business accounts
Are They Legit?
Yes, Wakefield and Associates is a legitimate debt collection agency—not a scam. But just because they’re real doesn’t mean every account they report is accurate. Always verify the debt before taking action.
Can You Remove Wakefield and Associates From Your Credit Report?
Collection accounts can drag down your credit score for up to seven years—even if you pay them. Here are your options:
- Dispute errors: If anything looks incorrect (wrong amount, paid off already, not your debt), file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask for proof that the debt is yours and accurate. If they can’t provide it, the account must be removed.
- Negotiate a pay-for-delete: Some collectors will agree to delete the account from your credit report in exchange for payment. Get it in writing first.
- Use a credit repair company: Professionals can help challenge inaccurate accounts and guide you through the dispute process.
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 Wakefield and Associates?
Don’t rush to pay. First, confirm the debt is legit and within the statute of limitations in your state. Making a payment—even a small one—can restart the clock and potentially hurt your credit even more.
A smarter move is to:
- Get the debt validated
- Dispute inaccuracies
- Consider negotiating removal in writing
If this feels like too much to handle on your own, a credit repair service can help.
Could They Sue You or Garnish Your Wages?
Yes, they can sue you. If they win in court, they could garnish your wages or freeze your bank account—but this is usually a last resort. Most collection agencies prefer settling or setting up a payment plan first.
Common Complaints About Wakefield and Associates
Like many collection agencies, Wakefield and Associates has complaints filed with the Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB). The most common issues include:
- Reporting incorrect information
- Refusing to verify debts
- Harassment or abusive calls
If you experience any of these, file a complaint with the CFPB or your state’s attorney general.
Know Your Rights Under Federal Law
You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws give you powerful tools when dealing with collectors:
- You can request debt validation. They have 30 days to prove the debt is yours.
- They cannot harass or threaten you. That includes repeated calls, abusive language, or false threats.
- They must be honest and transparent. No pretending to be someone else or lying about the consequences of non-payment.
- They can’t threaten arrest. Owing money isn’t a crime.
If Wakefield and Associates violates any of these rules, you have grounds to take legal action or file a complaint.
Wakefield and Associates Contact Information
Headquarters:
Wakefield & Associates, Inc.
10800 E Bethany Dr, Ste 450
Aurora, CO 80014
Phone: (866) 623-2069
Other locations:
- Fort Morgan, CO
- Knoxville, TN
- Jefferson City, MO
- Eatontown, NJ
- Rock Springs, WY
- Kingsport, TN
Remove Wakefield and Associates From Your Credit Report Today
Handling Wakefield and Associates on your own can add unnecessary stress—especially if you’re already dealing with financial challenges.
Credit Saint brings over 15 years of experience helping people remove inaccurate collections, including those from Wakefield and Associates. They’ve helped thousands—and they back their work with a 90-day money-back guarantee if you’re not satisfied.
If you’re ready to take action, visit their website or call (855) 281-1510 to see how they can help.
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.
