Nemo's Collection on Your Credit Report? Fight Back and Win

Last Updated:
April 11, 2023

You're not the only one who has recently seen Nemo's Collection pop up on their credit report - thousands of Americans are dealing with similar issues, such as aggressive and sometimes illegal debt collection practices. 

To ensure they are removed from your credit report as quickly as possible and protect your financial reputation, contact us today to schedule a free case review with an FCRA attorney. Continue reading to learn more about Nemo's Collection and how to remove them from your credit report.

Is Nemo’s Collection Legit or a Scam?

Nemo's Collection (also known as Nemo’s Investigations & Collections or NIC) is a legitimate debt collection agency based in Phoenix, Arizona. Although they have been providing debt collection services since 2001, recent reports of lawsuits and consumer complaints have tarnished their reputation. 

The Better Business Bureau has logged over 20 complaints in the past three years against them for harassment and unfair debt collection practices, and their Google reviews hold a 2.8 out of 5-star rating.

If you believe that Nemo's Collection is attempting to collect an illegitimate debt or engaging in harassment, reach out to us immediately - we can provide counsel on your legal rights and take steps to ensure that these irresponsible activities stop.

How Do I Contact Nemo’s Collection?

If you spot Nemo's Collection on your credit report for a bill you’ve never heard of or already paid, it’s best to check your credit report and contact them immediately to have the debt verified.

You can find their contact information here: Website: (currently down), Phone Number: 1-602-996-6050, and Address: 14631 N Cave Creek Rd #201, Phoenix, AZ 85022. 

If dealing with them directly is too overwhelming for you, consider enlisting the help of a professional debt attorney who can negotiate with them on your behalf and work to remove them from your credit report.

Who Does Nemo’s Collection Collect For?

Nemo's Collection primarily collects debts for healthcare providers, including hospitals, clinics, and doctors' offices. They also work with other types of creditors, including credit card companies and financial institutions. Since they don’t release a list of their clients, it can be challenging to know why they’re calling you until you check your credit report and contact them.

Why Is Nemo’s Collection Calling Me?

Receiving debt collection calls from Nemo's Collection about accounts you don't recognize can be an annoying and frustrating experience. Understanding why the company is calling can help you determine your next steps. 

Here are some potential reasons for their contact:

  • Unpaid debts

If you owe money to a creditor or service provider, they may have sent your account to collections, and Nemo's Collection is calling to collect the outstanding balance.

  • Medical bills

Unpaid medical bills can also be sent to collections, and Nemo's Collection may be the company responsible for collecting on their behalf.

  • Credit reporting errors

An error on your credit report is another possible reason why Nemo's Collection is contacting you. This could include debts you have already paid or debts that do not belong to you.

  • Statute of limitations issues

Every state has a time limit on how long Nemo's Collection or any other debt collector is allowed to pursue someone for payment of unpaid debts. If Nemo's Collection contacts you about a debt that’s past the statute of limitations, they may be violating the law.

  • Stolen Identity

Someone using your identity (i.e., identity theft) to open accounts and incurring debt in your name could result in calls from Nemo's Collection as they try to collect on those debts.

  • Government debts

Government agencies like the IRS and the Department of Education often contract with companies like Nemo's Collection for unpaid taxes or student loans.

The best way to find out why you're receiving calls from this company is by reviewing your credit report and reaching out directly for more information.

How Can I Remove Nemo’s Collection From My Credit Report?

If you want to remove Nemo's Collection from your credit report, it's essential to take the following steps:

  • Check Your Credit Report

Obtain a copy of your credit report from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Carefully review your reports for any negative entries related to Nemo's Collections.

  • Dispute Any Errors or Inaccuracies

If you find any errors or inaccuracies related to Nemo's Collections on your credit report, dispute them with the bureaus using online forms, mail, or phone. Be sure to have supporting documentation ready if available.

  • Contact Nemo's Collections Directly

If you believe you owe money to this company, contact them directly by phone or mail using the information provided on their website or collection notice; keep records of any agreements made.

  • Get Help from a Credit Repair Company or Attorney

If all else fails, seek help from a reputable credit repair company or consumer debt attorney.

How Long Will Collections Stay on My Credit Report? 

Collection accounts can stay on your report for as long as seven years after your last payment. Generally, the impact of negative items decreases over time. However, in most cases, you’ll need to address the delinquent account (if legit) or dispute if the debt isn’t yours, is already paid, or is past the statute of limitations.

It’s not always clear what to do with negative items on your credit history. Working with a skilled attorney can help you decide how to deal with Nemo’s Collection to best protect your credit and finances. Continue reading to learn how we’ve helped countless people remove items from their credit reports. 

Get Nemo’s Collection Off Your Credit - Contact Us

If you feel like Nemo’s Collection has mistreated you or otherwise violated your consumer rights, we can help. Our attorney will investigate credit reporting errors, demand they be removed, and take legal action against Nemo’s Collection if necessary.

Additionally, if you want to pay off a legitimate debt with Nemo’s but aren’t sure how, our attorneys are here to negotiate favorable debt settlement agreements on your behalf. Don’t let  Nemo’s Collection stay on your credit report longer than it has to - Contact us today for your free case review.

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