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Mitchell and associates

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Mitchell and associates Reports & Reviews (6)

• Oct 31, 2025
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1 star
So I like everyone else here got the same voicemail message from Mitchell and Associates. I also received a letter from them in the mail, it went to my old address but mail forwarding sent it through to my current apartment. I basically ignored the calls and the written letter because I read these posts and figured this was not anything to worry about. I also check my credit report all the time and am very on top of all these things. I never heard of Mitchell and Associates so they must be scammers. Well today I was called into HR at work and I was told that I have a wage garnishment ordered by the court system because of Mitchell and Associates. I was given the garnishment order and was informed my check would be slashed by 25%. I am livid right now, apparently a court case was filed against me and I missed the court date so they got a default judgement against me. All of this because of some credit card they claims I owe from years ago. THIS IS NOT FAIR! I called Public Assistance lawyers for my local county and they told me there was nothing they could do.I never had this credit card and its not on my credit report and yet I have a wage garnishment. I do not know what to do. I called Mitchell and Associates and they told me I could of settled this case before hand. I would of rather of just paid the settlement because now I have to pay all the interest and court costs.

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• Oct 06, 2025
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Let me start by saying that I work in the banking industry, and I have been a credit expert for the past 5 years. I got a call from Mitchell & Associates they left a message with the number to call back. I called them spoke with a man who explained that they have a debt in their office, it was a Continental finance mastercard. I told the man that I havent had any dealings with mastercard and I hung up the phone. A day after I spoke with the man a letter arrived in my mailbox, regarding the debt. I sent them a dispute notice and forgot about the whole thing. Its not my account! I dont owe any debts! My credit report is perfect I have a 800 plus credit score! About 1.5 months after the letter I got a summons requesting my appearance in court. Mitchell & Associates is now taking me to court over the mastercard debt. The balance is only $3412. I hired a lawyer to defend me on the debt. His fees are costing me a lot. I asked him how they can sue when its not on my credit report. The lawyer explained that it doesnt matter, credit reporting is optional for debt collection companies, he went on to say that just because its not on there oes not mean it is not owed. My lawyer and I requested the original documents from Mitchell and Associates. After reviewing the docs my lawyer says its my best interest to settle. I want to fight the debt but he says it will cost a lot and they court judgement will go on my credit report and my score wlll be ruined for 20 years careful when dealing wth these people they are vicious debt collectors, they do not care if its not your account they will be coming for you. I would advise just to settle with them as soon as possible because they will ruin your credit and you will have to pay a lawyer like I did. And after all that the lawyer told me I should pay the mastercard. MITCHELLL AND ASSOCIATES ARE HEARTLESS DEBT COLLECTORS

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• Sep 19, 2025
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I got a letter from this debt collection office about 6 months ago. I just ignored the letter because I had new heard of them. Well today the debt collection firm called me from 855-204-3994 they explained that I owed the debt but I told them that I never heard of them before and hung up the up the phone. I remember having the Mastercard credit card they told me about but I don't want to pay it back because it has been couple years and I moved. I hope I don't get sued.

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• Sep 28, 2025
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Mitchell and Associates is a legitimate debt collection office. I too was contacted by them they called with a local number and left a message saying to call back on 855-204-3994. I called back and they told me that they have one of my debts, it was an old credit card account I forgot about. I moved to new state when I lost my job about 8 years. I told them that I didn’t get anything in mail about the debt and I don’t do business over the phone. I wish I would of made arrangements to pay the debt when they called, because about 6 months later I got a notice to appear in Small Claims Court for the same debt.
When I went to court I was unable to pay the debt, so now I am stuck with a wage garnishment. This is causing extreme financial stress on me and my family. I am writing this now so others don’t make the same mistakes, if you remember the debt you are better of just making arrangements and paying it off. Just because the debt is old and not on your credit report doesn’t mean that Mitchell and Associates cant take you to court. I thought that because I opened the card in 2018 that they couldn’t get me. This is not fair but I don’t know what to do. BE CAREFUL MITCHELL AND ASSOCIATES WILL COME AFTER YOU TOO

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• Sep 23, 2025
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So I was contacted by Mitchell and Associates about a debt like everyone else at first they sent their initial letter and I just thought it was a mistake, then they called my FAMILY MEMBERS with the number 855-204-3994. I called them and they told me I owed money on a old Best Buy account. I told them I don’t have a Best Buy account. I explained that to them and that they should stop calling me. They told me the debt would be marked as a refuse to pay, I told them it is not a refuse to pay if the debt is not mine! I completely forgot about the whole situation. They sent a series of letters to me after that and I just ignored them.
After about 6 months after the initial phone call I got a letter in the mail requesting my appearance in court regarding the debt with Best Buy. I was unable to make it to the court date due work, so I lost the court case automatically be default. I am now stuck with a wage garnishment and it is going to take a very long time for me to pay this debt off.
I wish I would of take them seriously from the start. I remember having a Best buy credit card a looooong time ago. I had moved from where I originally opened it and don’t remember getting any letters from them, so I figured it was just wrote off. Well I was wrong about a bunch of things, Mitchell and Associates is legitimate company and you can get sued from a debt that you opened a long time ago. I am writing this review so others don’t make the same mistakes. Take Mitchell and Associates seriously they are ruthless debt collectors.

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- Ogden, KS, USA
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I received a call from investigator Mathews citing an overdrawn checking account through bank of America and was threatened with court and jail time. On contacting bank of America they have no record of anytime on my name or social security number as per their legal department.

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