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.)
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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?
It’s best to avoid speaking to a debt collector 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 debt, especially if it’s new, and you’re certain that it’s legit.
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, 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 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.
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