The Law Offices of Mitchell D. Bluhm & Associates, LLC (MBA Law Offices) are a Texas-based medical debt management and collection agency. If they’re managing your medical debt and you’re tired of the incessant calls and emails, keep reading – there are ways to stop the never-ending attempts at contact and even have any debt from MBA Law Offices removed from your credit report.
Here's everything you need to know about clearing your credit from MBA Law Offices for good.
MBA Law Offices is a Texas-based law firm that also offers debt collection services. The firm's debt collection agency, Sherman Debt Collection Office, has been operating since 2008 and specializes in medical debt collection. They manage and collect debts that have been sold to them by other creditors or clients who contract their services for debt collection. MBA attempts to recover debts via phone calls, emails, letters, and more.
Yes, MBA Law Offices is a legitimate law office and debt collection agency. Mitchell D. Bluhm is an attorney barred in the state of Georgia, and his partner Robert Ridgeway specializes in debt purchasing and collection. If you receive a call or correspondence from MBA Law Offices, it is not a scam.
Here’s more helpful information about MBA Law Offices:
If you feel like you've been mistreated by MBA Law Offices, know that you are not alone in this situation. A quick look into the company’s history paints a troubling picture of the company's practices. According to the BBB, over 500 complaints have been filed against them in the past three years alone. The CFPB has reported more than 400 complaints against the company in just the last decade as well.
If you’ve fallen into medical debt and your debt is being managed or has been sold to MBA Law Offices, you are likely receiving phone calls from them, and perhaps also letters and emails.
Failing to stay on top of medical debt can have serious consequences, and if you’re contacted by MBA Law Offices, its representatives may use several tactics to attempt to force payment, such as calling or writing repeatedly, or even threatening legal action. If all else fails, the agency may take the next step and file a lawsuit. However, sometimes MBA Law Offices makes mistaken attempts to collect a debt.
They may contact you about:
If you feel this is the case, it’s in your best interest to work with a credit repair agency or credit repair attorney that you can trust to swiftly rectify any inaccuracies or errors. You have rights as a consumer, but when you’re being contacted by a debt collector, it’s important to act quickly to advocate on your own behalf.
Debt collectors will try any tactic just shy of or tip toeing the line between legal and illegal—the faster you act to protect yourself, the better.
It is important to note that ignoring MBA Law Office’s calls and letters is not a viable solution since it could worsen the situation by escalating it. The Consumer Financial Protection Bureau states that up to 20% of people contacted about a debt in collections are sued in civil court. Unless you can successfully negotiate a settlement that would be agreeable to creditors, you could end up with an expensive lawsuit on your hands.
You need to know your rights as outlined by the Fair Debt Collection Practices Act (FDCPA), which offers you protection from harassment by debt collectors. Under FDCPA, they cannot, among other protections:
When communicating with debt collection agencies it is important to keep in mind your rights under the FDCPA and to ask for a letter verifying any debts they claim you owe. This document should detail exactly what you owe, and the name of the original creditor.
If MBA Law Offices attempts to take action against you that they either don’t have the legal right or don’t intend to take, they could be violating federal law and should be taken seriously. In addition to asking for written verification of any debts claimed, individuals may consider seeking legal counsel if necessary.
When you need to fight for your rights, having a professional on your side who knows the ins and outs of debt collection law and the FDCPA can make all the difference.
MBA Law Offices oftentimes collects medical debt in partnership with Capio Partners. Both MBA Law Offices and Capio Partners are responsible for collecting medical debt from individuals. If the medical provider believes that payment cannot be expected from the debtor, then the debt may be sold to CF Medical, which then works with MBA Law Offices for collections. This means that people may receive correspondence from both companies regarding their medical debts.
Be sure that you keep any and all correspondence from MBA Law Offices, CF Medical. Or Capio Partners for your records. You should create both a computer file (and always have a backup) and a file of printed hard copies, so that you’ve got digital and tangible evidence of their contact with you.
You should also screenshot the time and date of any phone calls to your cell phone and keep a call log of any landline contact at home or work. If you’re working with an attorney and/or credit repair agency, make sure to make a copy of all your correspondence, call logs, etc. for their records, too.
If you have a debt referred to MBA Law Offices, there are several steps you can take to try and have it removed from your credit report. These include:
Obtaining a copy of your credit report from all three major credit bureaus (Equifax, Experian, and TransUnion) and reviewing it for accuracy.
If you find any errors, dispute them with the credit bureau in question or work with credit specialists who can help.
Make sure to get any agreements in writing and keep a copy for your records.
This varies by state and type of debt - so that MBA Law Offices can no longer sue you.
They can also provide advice and guidance on managing your debt and improving your credit score.
Fair Credit law firm provides case reviews for clients free of charge. We will help you identify inaccurate items or errors on your credit report, and follow through with the dispute on your behalf. If you’re ready to get MBA Law Offices removed from your credit report once and for all, contact us today.
It’s essential to note that negative information can stay on your credit report for up to seven years, but you can take steps now to improve your credit standing over time by paying debts on time and maintaining good credit habits.
To ensure that consumers are granted additional relief from the burden of medical debt, the three major credit reporting bureaus have introduced revisions to medical debt collection reporting. Effective immediately, all paid medical collections will no longer be included in consumer credit reports. Furthermore, in 2023, any medical collection debts less than $500 will be removed from credit reports.
If you're worried about whether MBA Law can sue you, the answer is definitely yes - they can and may. It is important that you do not ignore the suit as this will likely result in a default judgment, which can lead to serious consequences.
If you are facing a lawsuit from MBA Law or any other debt collector, seek legal assistance from an attorney - they can help you defend yourself and ensure that your rights are protected throughout the process.
Whether MBA Law Offices is attempting to collect a debt that’s not yours or you’re tired of being harassed, the attorneys at Fair Credit, LLC are here to help you take back control of your finances and credit score. Reach out to us today for your free case review.