Who is Western Mercantile Agency?
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.
Is Western Mercantile Agency legit or a scam?
Western Mercantile Agency, Inc. is a legitimate company. However, they may repeatedly spam call, text, or email you.
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.)
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, Lexington Law can work with 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.
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?
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.
And they may be able to help you too.
Will Western Mercantile Agency 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 help you dispute the Western Mercantile Agency debt 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.
Wage Garnishment
Some states allow wage garnishment, while others do not. 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 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). 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 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!
Lexington Law can assist you in disputing Western Mercantile Agency collections. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.
If you’re looking for a reputable company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
