Who is Western Mercantile Agency, Inc.?
Western Mercantile Agency, Inc. (WMA) is a debt collection agency located in Coos Bay, Oregon. They provide services for accounts such as contracts, dental, financial (credit unions), insufficient checks, medical, utilities, veterinary, and commercial accounts.
You may see them listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.
Removing Western Mercantile Agency Collections from Your Credit Report
Collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have a collection account removed from your credit report before 7 years.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a 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, judgments, tax liens, and bankruptcies.
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
Website: http://www.westernmerc.com
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 collection account will reset the clock. So instead of helping your credit, it could make it worse.
The best way to go about handling this is to work with a professional credit repair service. They have deleted millions of negative items from companies like Western Mercantile Agency, Inc. for millions of clients nationwide.
And they can 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 and possibly get it removed 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 to 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 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.
There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect any debt, whether or not you actually owe it. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- Debt validation. Under the FDCPA, you have the right to validate a debt. Upon request, the collection agency reporting the information must prove to you, within 30 days, that the account is really your responsibility and the amount of money you owe is accurate.
- All personal debts are covered, including personal credit cards, auto loans, household bills, and mortgage payments.
- Western Mercantile Agency, Inc. 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 trying 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.
Can Western Mercantile Agency collections be removed from my credit report?
Lexington Law specializes in disputing Western Mercantile Agency collection accounts. They have over 28 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them 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.