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How To Remove MBA Law Collections From Your Credit Report

Written by Mike Pearson
Updated August 10, 2022

Having debts hanging over your head is difficult enough, but when one of them has come back to haunt your credit score under a debt collection agency, finding a way to move forward can feel impossible. MBA is a debt collector who will report your debts to credit bureaus to force you to repay the debt, but there are a few ways to remove them from your credit report without paying the debt in full.

To remove MBA Law Collections from your credit report, you can dispute the debt, ask for forgiveness, negotiate, hire a credit repair expert, or wait seven years for the debt to expire. Staying informed and knowing your rights are critical when dealing and working with debt collectors.

In this article, I’ll tell you everything you need to know about MBA Law Collections, why they are on your credit history, and how to remove them. I’ll guide you through your options step-by-step and tell you how you can defend yourself and find ways to achieve forgiveness from your debts.

1. Understand Why MBA Law Collections Is on Your Report

Mitchell D. Bluhm and Associates, LLC, better known as MBA Law Collections or MBA/Capio, is a legitimate debt collection agency in Sherman, Texas. They are well-known for the credit-destroying tactics they use to incentivize you to pay off your debts.

This agency specializes in medical debts, so you’ll likely see them on your credit report if you owe money to a doctor, hospital, or other medical institution.

Medical institutions generally hire debt collectors when your debts become overdue or delinquent. By hiring collectors who specialize in developing tactics to force you to repay your debts, healthcare providers can recoup more of their losses.

MBA Law collections, however, works under a company called CF Medical, LLC. Hospitals and clinics will sell overdue debts to companies like CF Medical if the debt is delinquent and the medical institution believes that the former patient will never repay the debt.

CF Medical then delegates these past-due debts to collectors like Mitchell D. Bluhm and Associates or their partner, Capio, who work hard to develop creative ways to ensure you pay the money.

However, since MBA is very good at pestering people until they repay their debts, seeing their name on your credit report is generally bad news for you.

How MBA Law Collections Reports Debts as Overdue Credit

MBA Law Collections will likely pester you with phone calls and letters before the overdue balance will appear on your credit report. That’s because debt collectors must follow set procedures before reporting your debt to your credit history.

After MBA acquires your debt, you will be notified that MBA is now in charge of it. 

After sending this initial notification, they will wait up to 180 days before they reach out to you again. They will also consider reporting the sum to credit bureaus at the end of this time. During this six-month period, you can contact them to work out a payment plan to pay off the debt without affecting your credit.

However, if they don’t hear from you, they will start to call. MBA Law Collections can report your debt to a credit agency as long as they do any one of the following:

  • Talk to you on the phone about your debt.
  • Send you a letter in the mail about your debt.
  • Talk to you about the debt in person.
  • Send an email or other electronic message to you about the debt.

After completing any of these measures to contact you, they’ll send you a message or letter to verify that they have successfully talked to you.

Then, the debt collector can legally report the debt as a past due credit. In doing so, the debt will appear on your credit history as a credit account, and it will look like an overdue credit card balance under the debt collector’s name, MBA Law Collections.

At this point, it’s also critical to note that a credit claim from MBA Law Collections may remain on your credit report even if you have already paid off your debt. Whether it’s been weeks or years, that former or current debt will affect your credit history, so repaying it isn’t necessarily going to boost your credit score. 

The claim will still be in your account, dragging you down.

2. Assess the Amount of Your Debt and Collect Documentation

Before you do anything to remove MBA Law Collections debts from your credit history, you need to get an idea of what you’re dealing with.

To start, create a file with all the documentation you’ve received about your debts. You’ll want to include medical service receipts and invoices, letters from MBA Law Collections or other debt collectors, and your insurance information, if applicable.

Then, examine the total amount of your debt and compare it with the bills from your medical service provider. Be sure that the amount reflects the actual sum of money you owe for the medical service. 

If the sum is inaccurate, you may be able to dispute it or get forgiveness on it more successfully.

In addition, if the sum of money seems to be much higher than your records indicate, you may be able to file a lawsuit against MBA Law Collections, Capio, or CF Medical since up-charging your medical debt is against the law.

3. Know Your Rights

You have certain rights, even when debt collectors are trying to get you to pay your debts. If the collectors infringe on these rights, you can sue them for damages, and if you win, MBA Law Collections must pay you at least $1,000 and cover the court cost.

According to the Fair Debt Collection Practices Act (FDCPA), which protects indebted consumers, debt collectors cannot:

  • Call before 9 AM or after 8 PM, your time.
  • Call you multiple times in one day.
  • Call you after you request that they cease calling unless they have a new debt repayment proposition.
  • Communicate with anyone other than you or your attorney about your debt.
  • Threaten you with incarceration or violence.
  • Use profane words.
  • Request that you pay any more than the amount of the debt.

These stipulations are legally binding. 

If any debt collector under MBA Law collections or any other collection agency violates these guidelines, you can successfully sue them. This can make them look less reputable and make it more likely that they would forgive your debt or remove it from your credit history.

During all interactions with MBA Law Collections, keep these rights in mind and note if they infringe upon the FDCPA. Always preemptively collect evidence to protect yourself and find legal ways to get the upper hand on your debt.

4. Verify That Your Debt Is Your Own

According to In Charge Credit Solutions, over 50% of disputed debts from the year 2020 were dismissed due to debt collectors contacting people about debts that were not theirs. Although MBA Law Collections is a legitimate debt collector, they may accidentally contact you regarding someone else’s debt or charge you for a debt incurred due to identity theft.

If the debt on your credit report isn’t yours, you should send a written and signed dispute letter to the collection agency, MBA Law Collections, within 30 days. 

You should also promptly submit a complaint with the US Consumer Financial Protection Bureau, which will then investigate the claim and help you get the debt off your credit history and out of your life.

5. Challenge or Dispute the Debt

Disputing your debt is beneficial because it forces the collection agency to respond to you and prove that you owe the debt in question. This method is the best way to remove the debt from your records if the debt is not yours, if you have already paid off the debt, or if the amount of money owed is inaccurate.

However, disputing your debt can also be beneficial even if you already know that the debt is yours. 

After filing a dispute, MBA is legally required to prove to you that you owe the debt in question. They will excuse you from the obligation if they cannot find enough evidence to verify that you owe the money. This unsung benefit of disputes could excuse you from ever having to pay up.

You must dispute the debt within 30 days of the first time MBA Law Collections contacts you for this method to be successful. Send your written dispute letter to: 

MBA Law Collections at 3400 Texoma Parkway, Suite 100. Sherman, Texas 75090.

When drafting the letter, include:

  • A header that says “Dispute of Debt.”
  • Your full name.
  • Your address.
  • Your phone number.
  • The date.
  • Name and address of the collector (MBA Law Collections, 3400 Texoma Parkway, Suite 100. Sherman, Texas 75090).
  • An explanation of why you believe that you don’t owe the alleged debt.
  • A request for verification of the alleged debt’s amount, the name and address of the original creditor, documentation that verifies that you are responsible for the debt, and proof that MBA Law Collections is allowed to collect debts in your state.

6. Ask for a Goodwill Deletion

A Goodwill Deletion is how creditors forgive your debts.

Getting the creditor to forgive your debt gets more challenging as time goes on. While hospitals and healthcare providers will usually help you find a payoff plan that works for your budget, debt collectors like MBA Law collections only want the money.

So, if your debt has already appeared in your credit history, the likelihood of getting total forgiveness is slim. However, it’s free to ask and might be worth it. You may just connect with the collectors on one of their more generous and compassionate days.

You must send a letter to MBA Law Collections to ask for a Goodwill Deletion. The letter should follow specific stipulations.

For your case to be as convincing as possible, you should include financial accounts and employment details to verify that you cannot repay your debts.

Collection agencies are more likely to forgive you if your evidence proves that you will never be able to pay your “alleged debt.” Therefore, people with disabilities, unstable housing options, and dependents are the most likely candidates to be forgiven for their debts.

Still, forgiveness is rare, and few collection agencies will ever forgive a debt. In most cases, they will let it sit in your credit history for as long as possible to motivate you to pay anything you can.

7. Pay the Debt and Negotiate With MBA Law Collections

If you have the finances to pay your debt, you may be able to remove the report from your credit history more quickly.

Repaying debts is the best practice, even if your records are not completely clean after repayment. You’ll be a more attractive loan candidate if you’ve already paid all your debts, which can lessen the burden of having MBA Law Collections show up on your credit history.

When you first contact MBA Law Collections or affiliated collection agencies to discuss repayment, you may be able to negotiate with their debt collectors.

Haggling down the debt’s sum is an excellent way to pay off your debt without ever having to deliver the total amount. To decrease your owed amount, you can propose a partial repayment plan where you pay a certain amount of cents on every dollar you owe.

You can also negotiate with MBA regarding the report on your credit history. For example, as part of your repayment plan, you can stipulate that MBA must remove the debt from your credit history upon agreed payment of the debt.

If the agent you settle with agrees to your terms, request written verification of the new plan and keep it in your files.

In addition, although reports of delinquent debt from collectors like MBA will stay on your account for years, you may be able to win a goodwill deletion or dispute once you pay off the total sum. 

If MBA approves of these claims, they may remove records of the debt from your credit history.

Collections experts can also more easily work with collectors like MBA to remove the debt from your credit history if you have already paid the debt in full. Still, note that you can never be sure that MBA will remove the credit claim from your history, even if you repay the debt.

8. Keep All Documentation and Build a Case Against MBA

According to results from the Public Access to Court Electronic Records Database, Mitchell D Bluhm and Associates, LLC usually gets sued twice a year. These lawsuits typically result from MBA crediting people with debts they didn’t owe or violating the Fair Debt Collection Practices Act.

Suing MBA Law Collections is feasible if the debt isn’t yours or if MBA employees don’t follow the FDCPA’s terms. However, you must have ample proof of the infraction to win a case against MBA Law Collections, especially since they have a whole team of lawyers at their disposal.

To successfully sue MBA, you must also file the case within one year of the infraction.

The amount of money MBA Law Collections will pay you if you win the case will vary, as the damages they pay is usually due to healthcare fees or lost work. Be prepared to prove that the debt collectors interfered with your work or rest, and bring evidence that they went against the FDCPA.

To help you plead your case, you must continually record and keep all messages that MBA Law Collections send to you. Take screenshots of online messages or phone records and keep your papers in a file.

9. Hire a Credit Repair Expert for Help

Collections experts from credit repair services will help you navigate through the process I just took you through. These specialists focus on removing debts from your credit history, whether you’ve paid them off or not.

While credit experts can be incredibly helpful in removing debt from your records, they can only file disputes, ask for forgiveness, and help you find ways to defend your rights as a consumer. They can’t do anything extraordinary to remove your debt, but they can do the work of trying for you.

So, if you want to save yourself from the stress of negotiating, appealing, and mailing MBA Law Collections, you can always hire an expert. These people will help you, but they can never promise to be able to remove the debt from your history successfully.

10. Pay MBA To Delete the Debt From Your Credit

If you’ve paid or are currently paying off your debt, you can call MBA Law Collections and offer to pay them an additional sum or threaten not to pay to remove the debt from your credit history. Debt collectors want you to keep paying them, and if the credit history report makes you less likely to send them money, they’ll work with you.

When asking to remove the debt from your credit history, be sure to mention why you want it gone. 

You may emphasize that the negative marks on your credit keep you from making more money, or you may tell them that you don’t wish to pay off the debt unless they make arrangements to remove the report.

If you take the initiative to call and calmly communicate with them, they will usually work something out for you.

11. Wait for the Debt To Expire

After CF Medical purchases your debt, they will send their initial message. Then you won’t hear from them about collecting your debt for another 180 days. During this period, you can reach out to them and make a plan to repay your debts. If you don’t reach out within this period, they will contact you and eventually report the debt in your credit history. 

This debt will remain in your credit file for only seven years.

After it has been on your report for seven years, the debt will disappear, whether you’ve paid off the debt, paid it partially, or never made a payment.

So, if you don’t want the headache of fighting against debt collectors like MBA Law Collections and can’t afford to pay off the debt, don’t pay it off and wait for seven years. Eventually, your credit score will go back up and look like the debt was never there.

However, during this wait time, you might also have to suffer through the phone calls and emails from MBA Law Collections. Be sure to tell MBA not to contact you if you plan to wait for the debt to expire. After you request that their collectors stop calling and mailing letters to you, they are legally obligated to stop reaching out to collect the money.

Of course, you can ignore them or block their number on your phone. That’s a last-resort tactic, however, but it does work to some extent.


MBA Law Collections will report your debt to credit agencies to encourage you to pay off the debt. To remove this report, you can:

  • Dispute the debt.
  • Ask for a goodwill deletion.
  • Sue MBA for FDCPA infractions.
  • Negotiate with MBA and pay off the debt.
  • Hire a collections expert.
  • Wait seven years for the debt to expire.

You can use any combination of these tactics to remove the debt from your credit history and get it back up to where it should be.


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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.