Serving You Since 1898

Retail Merchants Association, Inc

Serving You Since 1898

(318) 222-4641 620 Crockett St. Shreveport, LA 71101

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Can you file a lawsuit against a debtor?

Posted on August 24, 2016

We do have access to legal representation to file suit against a resistant debtor.

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Can collectors call the debtors place of employment? →

Debtors Creditors

What will happen if I do not pay my account(s)?

Please contact our office to see what type of arrangements can be made. If no payment arrangements are made, the account(s) may be reviewed to pursue further action.

Do you report to the credit reporting agencies?

Yes, we do. At this time, we report monthly to Experian and TransUnion.

Can a collector call my place of employment?

Yes, they are able to call your place of employment. They are allowed to check to see if you work there but they are not allowed to disclose the reason for the call.

Why is my credit important?

You will need to maintain excellent credit if you wish to make any major purchases in the years to come. In order to buy a house, buy a car, or obtain any type of financing or loan, you will need to maintain a good credit score. There are also many employers that will require that you have a good credit score in order to obtain a job.

How will a collection account change my credit score?

Credit scores are generated using a rather complex formula that has many contributing factors. It is possible that having one collection account can lower your score.

How long have you been in business?

We have been in business over 123 years.

Why turn debt over to a collection agency?

We know that your time is valuable. Turning your unpaid debts over to us allows you the opportunity to focus your efforts on your business instead of trying to collect on these debts.

Can collectors call the debtors place of employment?

Yes, but they are only able to verify employment. They are not allowed to disclose that the debtor owes money to anyone other then the debtor.

Does your agency charge an annual fee?

No, we do not charge an annual fee. If we don’t collect, you don’t have to pay.

Can you file a lawsuit against a debtor?

We do have access to legal representation to file suit against a resistant debtor.

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