Who is Western Mercantile Agency, Inc.?
Western Mercantile Agency, Inc. (WMA) is a debt collection agency located in Coos Bay, Oregon.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Western Mercantile Agency collect for?
Western Mercantile Agency provides services for accounts such as contracts, dental, financial (credit unions), insufficient checks, medical, utilities, veterinary, and commercial accounts.
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.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional credit repair company that helps people fix their credit.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
Western Mercantile Agency, Inc. Contact Information
Address:
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, Inc.?
Nothing good can come from speaking to a collection agency on the phone. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The best way to handle this is to work with a credit repair professional. They delete millions of negative items every year from companies like Western Mercantile Agency, Inc. for millions of clients nationwide.
And they may be able to help you too.
Will Western Mercantile Agency, Inc. sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Western Mercantile Agency, Inc. again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Wage Garnishment
Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a collection agency to threaten to garnish your wages.
It is also illegal for Western Mercantile Agency, Inc. to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.
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 you find yourself facing any of these situations with a debt collection agency, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Western Mercantile Agency, Inc. does too.
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 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 Western Mercantile Agency to report inaccurate or incomplete information on your credit report.
- 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 collection agency both orally and in writing.
- Western Mercantile Agency cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
Remove Western Mercantile Agency From Your Credit Report Today!
Lexington Law specializes in disputing Western Mercantile Agency collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law.
You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
