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In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. There are strict regulations about what a debt collector can and cannot do in the United States. Your Rights When Dealing with M Leonard & Associates When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm your credit score. A collection account on your credit report further reduces your ability to qualify for new credit.ĭebt collectors often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account. The missed payments that led to the collection harm your credit score. Lexington Law knows that you have rights, and M Leonard & Associates does too. You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). If a debt collector is harassing you, you may want to consider filing a complaint. Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). It is also illegal for M Leonard & Associates to make any claims they cannot or will not follow through on-this includes threatening to sue you or foreclose on your home. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages. Some states allow wage garnishment, while others do not. It’s also quite possible that you may never hear from or have to deal with M Leonard & Associates again.Ĭall 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. They will help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. Will M Leonard & Associates sue me or garnish my wages? They delete millions of negative items every year from companies like M Leonard & Associates for millions of clients nationwide.Īnd they can help you too. The best way to go about dealing with M Leonard & Associates is to work with a credit repair professional. 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. So instead of helping your credit, it could make it worse.

And making payments on the debt will reset the clock. Nothing good can come from speaking to a collection agency on the phone. Phone number: (818) 908-8500 or (800) 346-6200 Should I contact or pay M Leonard & Associates? In addition to collections, Lexington Law can also help you remove other inaccurate information such as inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, liens, and bankruptcies from your credit report.Ĭall Lexington Law now to learn more: (800) 220-0084 M Leonard & Associates Contact Information

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Lexington Law is a professional credit repair company that helps people fix their credit.