McKenzie, Paul & Associates is a Texas collection agency founded in 2004, with its office in Round Rock near Austin. It collects medical, dental, retail and commercial accounts for businesses ranging from small practices to large companies.
- Type
- Collection agency
- Also known as
- McKenzie Paul & Associates; McKenzie, Paul and Associates; MPA
- Headquarters
- Round Rock, TX
- Collects
- medical bills, dental bills, retail accounts, commercial accounts
- Phone numbers it lists
- (866) 296-0677, (512) 420-0677
- Website
- mckenziepaul.com
19 debt collection complaints were sent to the Consumer Financial Protection Bureau about McKenzie Paul & Associates 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 McKenzie, Paul & Associates?
McKenzie, Paul & Associates (MPA) describes itself as an Austin, Texas based debt collection agency founded in 2004. Its contact page gives an office at 2251 Double Creek Drive in Round Rock, a local number, (512) 420-0677, and a toll-free number, (866) 296-0677. The company says it is licensed and bonded as required by the State of Texas and works on a contingency basis, so its clients pay only when it collects.
MPA's website has consumer pages for making a payment, submitting a dispute and unsubscribing from electronic messages. We did not find a CFPB enforcement action against McKenzie, Paul & Associates.
Why McKenzie, Paul & Associates May Be Contacting You
The agency names three specialties: medical collections, dental collections (it says its dental team averages ten years in that industry) and retail and commercial collections. Client testimonials on its site come from small businesses and from employers in Arizona and Nevada, which suggests it collects outside Texas too. A letter or call from MPA is most likely about a balance left with a doctor's or dentist's office after insurance, or an unpaid account with a local business.
Because many of its clients are small practices, the creditor named in the notice may be a single dentist or clinic you haven't thought about in years. That name is the place to start.
How to Check a Debt McKenzie, Paul & Associates Says You Owe
- Look at the validation notice for the practice or business name, the itemization date and the balance on that date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Send a written dispute within the validation period. MPA's site has a dispute page, but keep your own copy of whatever you send. For a dental bill, ask for the treatment ledger showing each procedure, the insurance payment and the patient portion. Our page on disputing a debt has more.
- Ask whether the practice still owns the account or has sold it.
- For medical bills, request the itemized bill Texas now requires before certain accounts go to collection. See Texas SB 490.
- Mind the four-year clock. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). If you live elsewhere, your state's period may differ.
What McKenzie, Paul & Associates Can and Can't Do
MPA collects consumer accounts for other businesses, so it is a "debt collector" under 15 U.S.C. § 1692a(6). Texas also requires third-party collectors to file a surety bond with the Secretary of State (Tex. Fin. Code § 392.101); see do collection agencies have to be licensed in Texas? In practice:
- It may not call more than seven times in seven days about one account (12 C.F.R. § 1006.14(b)(2)), or at times it knows are inconvenient.
- It may not tell your employer or relatives about a dental or medical bill (15 U.S.C. § 1692c(b)).
- It may not add collection fees unless your agreement with the provider allows them and the law permits it. See can a collector add fees?
- Small medical collections (under $500) and paid medical collections no longer appear on national credit reports.
If MPA's collection efforts seemed unfair or misleading, see our Texas FDCPA attorneys page. The Texas Debt Collection Act (Tex. Fin. Code ch. 392) also applies in Texas.
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 McKenzie, Paul & Associates 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
- McKenzie, Paul & Associates: home page
- McKenzie, Paul & Associates: About us
- McKenzie, Paul & Associates: Contact us
- CFPB enforcement actions list (checked pages 1-17)
- CFPB Consumer Complaint Database: McKenzie Paul & Associates, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that McKenzie, Paul & Associates has violated any law. Company details change; tell us if something here is out of date.