Helvey & Associates, Inc. is a long-running third-party collection agency based in Warsaw, Indiana. A letter or call from Helvey means a business placed an unpaid account with it to collect.
- Type
- Collection agency
- Also known as
- Helvey & Associates; Helvey & Associates, Inc., Warsaw, IN Branch
- Headquarters
- Warsaw, IN
- Phone numbers it lists
- (800) 733-0256
444 debt collection complaints were sent to the Consumer Financial Protection Bureau about Helvey & Associates, Inc., Warsaw, IN Branch from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Helvey & Associates?
Helvey & Associates, Inc. is a collection agency headquartered in Warsaw, Indiana. Its Better Business Bureau profile lists a start date of 1955, incorporation in 1966, a headquarters at 3790 Lake City Highway, Warsaw, Indiana 46580, and a second Warsaw location on East Center Street. New York City licensing records also list Helvey debt collection licenses at Warsaw and nearby Winona Lake, Indiana addresses.
The company's online payment portal, run by the processor PaymentVision, uses the Lake City Highway address and a phone number of (800) 733-0256, with hours of 8 a.m. to 7 p.m. Eastern on weekdays and 8 a.m. to noon on Saturdays. The portal states that the communication is from a debt collector.
Why Helvey & Associates May Be Contacting You
Helvey is a third-party agency: it collects accounts that businesses place with it and does not usually own them. The public materials we reviewed do not say which industries it serves today, so the creditor named on your letter is the key fact. Look at that name and ask yourself whether you had an account with that business, and when you last paid it.
Because Helvey has more than one Warsaw address, and the CFPB lists it as the company's "Warsaw, IN Branch," check that any address or phone number on a letter matches one of the published contacts above before sending money or personal information.
How to Check a Debt Helvey & Associates Says You Owe
When you do not recognize the creditor at first, slow down and ask for the documents.
- Read the validation notice. Helvey must tell you the creditor's name, the balance and how it was itemized, and the date by which you can dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing in time. A written dispute sent within the validation period stops collection until Helvey mails verification. Ask for a copy of a bill or statement from the original business and the date of the last payment.
- Find out who owns the account. You may ask whether the original business still owns it or sold it to someone else.
- Check the amount. Compare it with your records and look for fees or interest you did not agree to.
- Watch for old debts. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Indiana and other states set their own periods.
What Helvey & Associates Can and Can't Do
As an agency that collects debts owed to others, Helvey is a "debt collector" under the FDCPA, 15 U.S.C. § 1692a(6). Practical limits include:
- It may not call before 8 a.m. or after 9 p.m. your local time, unless you agree (15 U.S.C. § 1692c(a)(1)).
- Placing more than seven calls in seven days about one debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
- It may not leave a message that reveals the debt to someone else who hears it, or tell your relatives or coworkers about the debt (15 U.S.C. § 1692c(b)).
- It may not report a debt to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
See what times debt collectors can call, or our FDCPA attorneys page if a Helvey contact worried you.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Helvey & Associates, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Helvey & Associates payment portal (PaymentVision)
- BBB business profile: Helvey & Associates, Inc. (founding, incorporation and addresses)
- NYC Department of Consumer and Worker Protection license data (Helvey & Associates, Inc.)
- CFPB Consumer Complaint Database: Helvey & Associates, Inc., Warsaw, IN Branch, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Helvey & Associates, Inc. has violated any law. Company details change; tell us if something here is out of date.