Stephens & Michaels Associates, Inc

Stephens & Michaels Associates, Inc was founded in 2000 and is headquartered in Salem, NH. They offer financial services, including debt recovery and past-due receivables.

Do You Want Your Collections Removed Today?

Call them at (716) 557-7812 for a free credit consultation. We have helped many people in similar situations and have paralegals ready to assist you.

You can also email us at info@cpgcomplete.com.

Can Stephens & Michaels Associates, Inc Collections Be Removed from My Credit Report?

Depending on your situation, it is possible to have collections removed, settled, or improved. It’s best to have your account reviewed with Stephens & Michaels Associates, Inc for the best course of action.

Should I Contact or Pay Stephens & Michaels Associates, Inc?

Speaking to a collection agency can be detrimental. Making payments can reset the clock on your debt, potentially making it worse. However, paying a legitimate account may be necessary if it’s new.

The best way to handle a debt collector is to work with a professional credit repair service, which has successfully removed millions of negative items from accounts like Stephens & Michaels Associates, Inc for clients nationwide.

Common Mistakes to Avoid

Direct communication with the collection agency may further harm your credit. Contact can make you vulnerable to unnecessary payments. Instead, have a verified professional credit repair service communicate on your behalf.

The Consumer Protection Group offers a full range of credit repair services to support consumers mistreated by the credit and collection industry.

Will Stephens & Michaels Associates, Inc Sue Me or Garnish My Wages?

While the probability is low, you should have the Consumer Protection Group help to alleviate any uncertainties regarding potential lawsuits or wage garnishment. They will assist in disputing inaccuracies and may help improve your credit report.

What is Wage Garnishment?

Wage garnishment is a court-ordered method for collecting money from an employee’s paycheck. Laws vary by state, and such actions may not be legal in all jurisdictions.

Stephens & Michaels Associates, Inc Complaints

If a collector harasses you, consider filing a complaint. The Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) can offer support against harassment.

The Fair Credit Reporting Act (FCRA) provides protection from harassment and false accusations. If your rights are violated, you may have grounds for legal action against Stephens & Michaels Associates, Inc.

How Collections Affect Your Credit

Failing to make regular payments or overspending can lead to collections, which negatively impacts your credit score. Collection agencies may flag accounts, making it difficult to renew credit without a dispute.

Your Rights When Dealing with Stephens & Michaels Associates, Inc

The Fair Credit Reporting Act provides protections against abusive collection practices, ensuring your personal data is secure and that collectors must validate debts.

Collectors are prohibited from publicly naming you as a debtor or harassing you. They must prove their legitimacy to collect any debts and cannot take legal action without court involvement.

More Tips on Dealing with Stephens & Michaels Associates, Inc

Avoid direct communication. If contacted, request that all conversations occur in writing. Document any calls as evidence if needed, and be cautious about sharing personal information.

What is Stephens & Michaels Associates, Inc?

Stephens & Michaels Associates, Inc specializes in debt collection and has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA).

Is Stephens & Michaels Associates, Inc a Scam?

They are a legitimate company collecting debt, but some individuals report feeling their rights may have been violated during the process.

Who Does Stephens & Michaels Associates, Inc Collect For?

They collect for various clients, including credit card companies and student loans. If they contact you, it may relate to an alleged student loan debt.

How Many Complaints Against Stephens & Michaels Associates, Inc?

Many complaints are recorded online, with a poor review score on their Better Business Bureau page, primarily regarding FDCPA violations.

Can Stephens & Michaels Associates, Inc Sue Me or Garnish My Wages?

It is illegal for them to make empty threats regarding lawsuits or wage garnishments. Contact us to protect your assets and ensure your rights are upheld.

Can You Help Me File a No Fee Lawsuit Against Stephens & Michaels Associates, Inc?

You can sue a debt collector, but it’s often better to resolve the issue before taking legal action for a more favorable outcome.

Stephens & Michaels Associates, Inc Calling You?

Familiarize yourself with your rights under the FCRA and the Telephone Consumer Protection Act (TCPA) to better handle communications from collectors.

Can I Sue Stephens & Michaels Associates, Inc for Harassment?

You have the right to sue for any violations of your rights under the FCRA. Compensation can amount to $1,000 for individuals experiencing fraudulent effects from harassment.

Want to Stop Stephens & Michaels Associates, Inc Debt Collection Harassment Now?

Grounds for lawsuits include inappropriate contact times, revealing personal information to others, excessive demands for payment, and the use of threats or harassment tactics.