What Is MBA Law Offices and Why Is It on My Credit Report?

FT Contributor
A person examining financial document on their couch.

MBA Law Offices is a collections agency and they’re on your credit report because they’re trying to collect a debt from you. A collections agency is a company that collects debts on behalf of creditors (i.e. credit card companies) and billing departments (i.e. healthcare billing departments).

If you miss a payment on your credit card, personal loan, or any other type of loan or bill, the company or creditor that you owe is then able to send your bill to a collections agency. Most companies and creditors will wait until you have missed at least two payments, but any type of delinquency can be sent to a collections agency.

If you have MBA Law Offices on your credit report, then one of the companies or creditors to which you owe money has sent your bill to collections. Once you receive the bill from MBA Law Offices, you can work directly with them to pay off your debt.

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What to Do if You See MBA Law Offices on Your Credit Report

If you don’t take care of the debt owed to MBA Law Offices or other collections agencies on your credit report in one way or another, you could suffer consequences like repeated calls from the agency, negative marks on your credit report, and even repossession of your property to pay off the debt.

There are a few steps to take when you notice you have a collections account with MBA Law Offices. These are the first steps you can take in getting MBA Law Offices removed from your credit report.

Verify That It Is Legitimate

The first and most important step to take is ensuring that your collections account with MBA Law Offices is legitimate. You want to make sure that it is not the result of identity theft or a mistake on the part of the debt collector or debt reporting agency.

The best way to verify that the debt is legitimate is to call the collections agency directly. When you call MBA Law Offices, they can look up your information to confirm whether the debt you have with them is legitimate or not.

Pay It Off

Once you have confirmed that the debt is legitimate, it’s time to pay it off. If the debt is too high to pay off at once, some agencies will let you set up a payment plan to pay off your debt.

One of the best ways to pay off a debt you owe is by using the snowball method. The snowball method has you pay off your debts from smallest to largest. The idea is that once you get the small ones out of the way, you can put your focus on the bigger debts.

It’s also important to note that in some cases it is possible to negotiate down your final payment to the debt collections agency.

Speak With a Credit Counselor

Speaking with a credit counselor can also prove helpful in restoring your credit. A credit counselor will offer you a crash course in good financial management. They don’t take direct action for you, but they can offer insights that will help you manage your debt more effectively.

How to Remove MBA Law Offices From Your Credit Report

Once you have paid off your debt with MBA Law Offices, it’s time to work on getting it removed from your credit report. These are just a few of the options you can try to get your collections debt removed from your report.

  1. Goodwill deletion — Apply for a goodwill deletion by writing a letter directly to the creditor or company where your bill originated. There is no guarantee, but in some cases, a creditor will remove your debt from your credit report.
  2. Dispute inaccuracies — Don’t be afraid to point out and dispute any inaccuracies on your credit report. Creditors and bill companies aren’t perfect and mistakes are frequently made.
  3. Pay for a deletion — If you have not paid the account off, and can’t remove the account by disputing it, send a letter to the collector to negotiate payment for deletion. If the collector agrees, you pay the account; in exchange, the collector removes the account. Late payments will still appear on your credit report.
  4. Work with a credit repair company — A credit repair agency can work directly with your bill collectors to remove MBA Law Offices from your credit report. Be sure to work with a company that has a history of repairing credit successfully. Credit repair companies can be expensive to work with but worth it if you need extensive repair to your credit report.

Will MBA Law Offices Sue Me?

It’s unlikely that MBA Law Offices will sue you over a debt that they are owed. There would have to be extenuating circumstances for them to sue you. Typically this only happens when payments have gone unpaid for long periods, or there are other issues with the account.

On the off chance that you do get sued by a debt collector, you’ll most likely receive a court date in the mail detailing why you have to go to court and when you need to go.

It’s important to be present at the court date assigned to you so that you can take care of the debt you owe. You will probably be required to repay the debt and the judgment will stay on your credit report for seven years.

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