Are you being called by MetCredit USA and told you owe money? Hearing this can be scary, but you have tools to handle the situation on your own terms. Learn what rights you have, what resources are available, and how you can stop getting stressful calls or letters from debt collectors.
Table of Contents
What is MetCredit USA?
MetCredit USA is a debt collection agency founded in 1925 and based in Jamestown, New York. MetCredit is a third-party debt collector, meaning they pursue unpaid accounts on behalf of other businesses.
They advertise a specialty in collecting debt for medical and healthcare businesses. However, they also work with businesses and unpaid accounts outside of the medical industry.
Who does MetCredit USA collect for?
MetCredit USA works with debts in a variety of sectors: 1
- Commercial debt
- Commercial cleaning
- Consumer collections
- Dental receivables
- Estate & deceased
- Financial & lending
- Fitness club & gym
- Healthcare receivables
- Moving & relocation
- Security & alarms
- Tenancy debt
- Veterinarian receivables
Is MetCredit USA a scam?
No, MetCredit USA is not a scam. They’re a legitimate company that’s been incorporated since 1965. 2
However, legitimate companies can still operate unethically. Debt collectors are notorious for using scare tactics and harassment to pursue unpaid debts. Know your rights when you’re being contacted by MetCredit, and never pay a debt that hasn’t been properly verified.
How to deal with MetCredit
Ready to take control of your debt with MetCredit? Choose the methods you want to attempt below.
If the debt is inaccurate, learn how to remove the collection from your credit report.
If your rights are being violated, learn how to fight back using protections under federal law.
If you're not certain the debt is yours, request more information (and temporarily stop collection efforts).
If you're ready to pay up, learn how to do it in a way that keeps you on better financial footing.