MBA Law Offices/Capio On Your Credit Report?

If you have received a phone call or letter from MBA Law Offices/Capio, you may have several questions. In many cases, people who are contacted by these companies have no idea who they are or what they do. It can get even more confusing if MBA Law Offices/Capio calls you repeatedly asking for money. 

If this situation sounds familiar, you are not alone. MBA Law Offices and Capio are both large debt collection agencies. Having an open collections account from either of these companies can affect your credit score. Want to know how to fight back against their harassment and remove them from your credit report? Here is everything you should know.

Are MBA Law Offices and Capio Legitimate Companies?

First, it’s important to note that MBA Law Offices and Capio Partners are both legitimate customers. This means that nobody is trying to scam you if you have been contacted by these companies. It also means that both companies are bound by the law, in the form of the Fair Debt Collection Practices Act (FDCPA).

Despite being legitimate companies, both MBA Law Offices and Capio are poorly rated by the Better Business Bureau. Both businesses have a B grade from the BBB, and neither is accredited by the Bureau. Both MBA Law Offices and Capio receive consistently negative reviews, and have a poor record of responding to customer complaints, per the BBB.

The most common complaints against both companies have to do with their harassing phone calls and inaccurate collections accounts.

How Can I Contact MBA Law Offices and Capio Partners?

MBA Law Offices/Capio Partners are both headquartered in Sherman, Texas. Full contact information for the companies can be found below.

• MBA Law Offices Website: https://www.law-mba.com/
• MBA Law Offices Address: 1313 North Travis Street, Suite 103. Sherman, Texas, 75090
• MBA Phone Number: 903-813-3805

• Capio Partners Website: https://www.capiopartners.com/
• Capio Partners Address: 3400 Texoma Parkway, Suite 100. Sherman, TX 75090
• Capio Partners Phone Number: 903-892-7400

MBA Law Offices may also be identified as the Law Offices of Mitchell D. Bluhm and Associates.

What Companies Do MBA Law Offices and Capio Collect For?

Both MBA Law Offices and Capio Partners work in medical debt collection. This means both companies primarily collect from accounts on behalf of hospitals and healthcare providers. 

In many cases, MBA Law Offices/Capio buy the debts from their clients and collect those debts themselves. If you have received a call from MBA Law Offices/Capio, their records indicate that you owe a medical debt to one of their clients. However, it is not uncommon for collections to be sent by mistake or to the wrong individual. If this happens to you, there are ways to absolve yourself of the responsibility to pay the debt. Doing so the right way can also remove the collections account from your credit report.

What Should I Do If I Have Been Contacted By MBA Law Offices/Capio Partners?

If you have been contacted by MBA Law Offices/Capio, it might seem reasonable to respond right away. However, responding before you are prepared to deal with a debt collector can be a mistake. As the online customer reviews suggest, MBA Law Offices/Capio can be frustrating to deal with. Many customers complain about the harassment of repeated phone calls and letters from these companies.

Why Are MBA Law Offices or Capio Partners Contacting Me?

If MBA Law Offices/Capio Partners are contacting you, it means their records indicate that you owe a medical debt to one of their clients. However, it is not uncommon for clients to receive a corrections notice by mistake from these collection agencies. There are several reasons why this could potentially happen, including:

• Your file got mixed up with somebody else’s file.
• An account that has already been paid was mistakenly registered as unpaid.
• Duplicate file on your account.
• Expired debt was registered as an open account by mistake.

If you do owe a medical debt and MBA Law Offices/Capio contacts you, it means they are working on behalf of a healthcare provider. In any case, it is advised that you contact a credit repair agency before attempting to settle your account.

What Rights Do I Have When Dealing With MBA Law Offices/Capio?

If you are being harassed by MBA Law Offices/Capio Partners, it is important to understand your rights. All debt collection agencies are subject to the FCRA (Fair Credit Reporting Act) and the FDCPA (Fair Debt Collections Practices Act). These two legislative acts ensure that all consumers can receive fair and transparent treatment from collection agencies. The FDCPA specifically prohibits several forms of harassment from debt collectors, such as:

• The use of threats, violence, or threatening language.
• Making excessive contact or contacting you at inconvenience times (before 8 AM or after 9 PM)
• Threatening undue legal action
• The use of any misleading or dishonest debt collection practices

If you feel that any harassment from MBA Law Offices/Capio Partners has violated the FDCPA, they can be reported. The CFPB (Consumer Financial Protection Bureau) is responsible for overseeing consumer debt collection and ensuring fair practices.

Could I Be Sued By MBA Law Offices or Capio for Not Paying My Debt?

It is highly unlikely that MBA Law Offices or Capio will sue you. That being said, it’s wise to have the support of a credit repair company to ensure a favorable outcome.

What Is the Best Way to Remove MBA Law Offices/Capio From My Credit Report?

If you are trying to remove MBA Law Offices or Capio collections from your credit report, you have multiple options. An open collections account on your credit report can damage your credit score.

The first step in contesting MBA Law Offices/Capio Partners is to request a debt verification. Doing this will require the collection agency to provide proof of your debt. This should include the debtor’s name, the total amount owed, and any relevant payment dates. If they are unable to verify that you owe the debt, the claim can be removed from your credit report.

However, if the debt is verified, you may still have work to do. In this case, you have options on how to proceed. First, you can dispute the debt. This process can be long and complex in some cases. But, if successful, MBA Law Offices/Capio will be removed from your credit report. Disputing a debt is a difficult process to navigate alone. We recommend securing the help of a credit repair agency like Credit Glory before beginning this process.

Alternatively, you can reach a settlement with MBA Law Offices/Capio Partners. In this settlement, you will typically agree to pay a percentage of the debt by a certain date. In exchange, the collection account will be removed from your credit report.

A third option, if the account is close to exceeding the statute of limitations, is to wait it out. Collections are removed from your credit report after seven years.

What if I Want to Pay MBA Law Offices/Capio?

Paying MBA Law Offices/Capio can help if your main goal is to put an end to their harassment. However, this is not advised if you want to remove them from your credit report right away. When you pay a debt to a collector, it simply changes your credit report status from “unpaid” to “paid”. The debt collection will still remain on your credit report until after the statute of limitations (7 years) has passed.

Need Help Fighting MBA Law Offices/Capio? Credit Glory Can Help.

If you are sick of being harassed by MBA Law Offices or Capio debt collectors, contact Credit Glory. One of our experts will review your case and determine the best course of action to help you. Contact us today for a free consultation.