What Is Grogan Law Group On My Credit Report?
Grogan Law Group is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.
Is Grogan Law Group A Debt Collection Agency?
Yes, Grogan Law Group is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").
Grogan Law Group may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.
But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.
Who Does Grogan Law Group Collect For?
Grogan Law Group purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.
Does Grogan Law Group Hurt My Credit Score?
Yes, it is highly likely having Grogan Law Group on your credit report is damaging your score significantly.
How to Deal with Debt Collection Calls from Grogan Law Group
Dealing with persistent calls from Grogan Law Group can be a challenge. Thankfully, the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) provide protections for consumers, allowing you to request that Grogan Law Group only contact you in writing or stop calling you altogether.
If you feel comfortable engaging with them, seek more information about the debt they’re trying to collect from you. However, if this is too overwhelming for you, it’s ok to ask them to stop calling and speak with Credit Sage instead. Credit Sage offers professional help in managing debt collection accounts - contact us today for a free consultation!
How to Avoid Future Debt Collection Accounts
Dealing with a debt collection account can be difficult. It's important to take steps to prevent future collections accounts and get your finances back on track. Creating a budget and regularly checking your credit report are two effective ways to do this. You can also negotiate with creditors if you find yourself struggling to make payments - many creditors are willing to work with you to create a payment plan or reduce interest rates.
By being proactive about managing your debts and improving your credit, you can avoid future collections accounts and reach your financial goals. Credit Sage is available for additional help in dealing with debt collection accounts.
How Do I Remove Grogan Law Group From My Credit Report?
To be eligible to remove Grogan Law Group from your credit report, you typically need to meet the following requirements:
- Any information on the account is incorrect
- Any information on the account is error’d
- Any information on the account is fraudulent
- And is not (or cannot be) fixed in an appropriate amount of time
According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.
Should I Pay For Delete With Grogan Law Group?
Paying off Grogan Law Group to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.
Should I Negotiate A Settlement With Grogan Law Group?
Settling your debt with Grogan Law Group could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).
Is Grogan Law Group Legit, Fake Or A Scam?
Grogan Law Group is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.
Why Do Grogan Law Group Keep Calling Me?
Grogan Law Group continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).
How To Get Grogan Law Group To Stop Calling Me?
As we’ve mentioned above, Grogan Law Group will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.
Grogan Law Group Reviews And Complaints
Grogan Law Group has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will Grogan Law Group Try Suing Or Garnishing My Wages?
Grogan Law Group suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.
We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.
Does Grogan Law Group Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, Grogan Law Group does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With Grogan Law Group?
You have the right to dispute any of your debt that Grogan Law Group has purchased. Grogan Law Group is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.
What Is Grogan Law Group Phone Number?
You likely want to call Credit Sage before deciding whether or not to call Grogan Law Group. The reason? You may not want to pay Grogan Law Group debt, especially if it's inaccurate. Paying it off could hurt your score.
Get Grogan Law Group Removed From Your Report, Today!
In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.