It is important to communicate with a collection agency that has mailed you a notice or left you a message. Even if you do not have the ability to pay your account in full, call the collection agency and explain your situation to them. They may be able to help you find resources to assist you not only with the account that has been placed with their office, but often with other accounts as well. Collection agency representatives at Sarma Collections Inc. are trained to assist you in resolving these problems!

The quickest way to pay your account and have your personal credit file updated is to call the agency and pay over the phone, or pay through our web site by credit card or electronic check. Sarma Collections Inc. accepts payments over the phone by electronic check, Visa, or Mastercard. If you do not have those options available, mail your money order immediately and be sure to include your account number on the money order along with your full name, address, and phone number. If there are any questions, they can call you to confirm they are posting the payment to the correct account.

We accept checks, Mastercard, Visa, and Money Gram payments.

Most of Sarma Collections Inc.’s clients request that we report all accounts to the national credit bureaus. Once the accounts are paid that information is updated to show the item as a paid collection item. If you pay your account in full upon receipt of the first notice, it will usually not be reported at all.

If there are extenuating circumstances, Sarma Collections Inc. will request approval from the original creditor to have the account removed completely.

You should contact Sarma Collections Inc. immediately. The information required is your bankruptcy attorney’s name, address, & phone number; the bankruptcy case number and type of bankruptcy, and, the date of the filing. Your attorney will then need to confirm that the account being handled by Sarma Collections Inc. is included in the bankruptcy. Your attorney should send that notice directly to Sarma Collections Inc.. The notice should include your social security number and the account number as shown on the notice you have received from Sarma Collections Inc..

You can call Sarma Collections Inc. toll free at 1-888-445-8832. Any representative will be able to help you with your name, address, your current phone number and/or your social security number.

To dispute an account, you must send written notice to Sarma Collections Inc. within 30 days of receiving your first collection notice. Your dispute should clearly state the reason for the dispute. Sarma Collections Inc. will then seek additional information from the original creditor and inform you of the outcome of the dispute.

Just call our toll free number. Any agent will assist you with that issue. Information to be aware of is that if the account is more than one year old, it is frequently too late to file a medical insurance claim. Our insurance specialists will investigate your insurance issue and confirm coverage to determine if the claim is eligible for payment. You will be notified of the outcome. Because of the timeliness required by insurance payers, it is important to relay this information to Sarma Collections Inc. as soon as you get the first notice.

A listing of “various creditors” means that more than one account is open with us from different creditors. You can call us to get more information on the various accounts. You can call Sarma Collections Inc. toll free at 1-888-445-8832.