Western Mercantile Agency


Is Western Mercantile Agency hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Western Mercantile Agency?

Western Mercantile Agency, Inc. (WMA) is a debt collection agency based in Coos Bay, Oregon. As a collection agency, they work to recover unpaid debts on behalf of their clients, typically businesses who have customers with past due accounts.

If Western Mercantile Agency appears on your credit report, it usually means that you have a debt that has been sent to collections. This typically occurs when a bill remains unpaid for an extended period of time.

Who does Western Mercantile Agency collect for?

Western Mercantile Agency works with a variety of industries to recover unpaid debts. They collect on accounts such as contracts, dental debts, financial debts (like those owed to credit unions), insufficient checks, medical debts, utilities, veterinary services, and commercial accounts.

Is Western Mercantile Agency legit or a scam?

Western Mercantile Agency, Inc. is a legitimate company. However, they may attempt to contact debtors frequently to recover the debts they’ve been charged with collecting. While their persistence might feel like harassment, they are operating within the law as long as they are adhering to the Fair Debt Collection Practices Act (FDCPA).

How can I remove Western Mercantile Agency 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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.

Western Mercantile Agency, Inc. Contact Information


Western Mercantile Agency, Inc.
165 S 5th St. Suite A
Coos Bay, OR 97420

Phone number: (800) 526-3057 or (541) 267-7086

Should I contact or pay Western Mercantile Agency?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Western Mercantile Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Western Mercantile Agency, Inc. on behalf of their clients.

Will Western Mercantile Agency sue me or garnish my wages?

Western Mercantile Agency could potentially sue for an unpaid debt. If the lawsuit is successful, and the court rules in their favor, they may be awarded a judgment that allows them to garnish your wages or take other action to recover the debt.

However, this is generally a last resort for collection agencies as the legal process can be costly and time-consuming. Before reaching this point, most debt collectors would rather work with you to set up a payment plan or negotiate a settlement.

Western Mercantile Agency, Inc. 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 Western Mercantile Agency, Inc.

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 Western Mercantile Agency 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.
  • Western Mercantile Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Western Mercantile Agency 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.
  • Western Mercantile Agency cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Western Mercantile Agency From Your Credit Report Today!

Credit Saint can assist you in disputing Western Mercantile Agency collections. 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.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.