M.G. Credit Inc. is a debt recovery agency that says it has served its community since 1987. Its website lists medical and dental, small business and property management collections.
- Type
- Collection agency
- Also known as
- M.G. Credit Inc.; M. G. Credit, Inc.; MG Credit
- Collects
- medical and dental bills, small business accounts, property management and rental balances
- Phone numbers it lists
- (800) 387-6503
- Website
- mgcredit.com
107 debt collection complaints were sent to the Consumer Financial Protection Bureau about M. G. Credit, Inc. 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 M.G. Credit?
M.G. Credit Inc., sometimes written MG Credit, describes itself as a debt recovery agency and says, "Since 1987, we've proudly served our community." Its website says it is a member of ACA International and of the FCA, but it does not list license numbers or a street address. To pay by phone, the company directs consumers to (800) 387-6503, and its contact page lists the email [email protected], hours of 8 a.m. to 8 p.m., and an online payment portal.
We did not find a CFPB enforcement action against M.G. Credit.
Why M.G. Credit May Be Contacting You
M.G. Credit's website names three areas of work: medical and dental collections, small business collections, and property management collections. A letter or call from M.G. Credit may be about an unpaid bill from a doctor or dentist, a balance with a local business, or money a landlord or property manager says you owe after a lease ended. The letter should name the business or office that placed the account.
Because the website gives no street address, use the mailing address printed on your letter for any written dispute, and keep a copy of what you send.
How to Check a Debt M.G. Credit Says You Owe
Dental and rental balances are both common sources of honest mistakes, so ask for the paperwork behind the number.
- Review the validation notice. It must name the creditor, itemize the debt from a set reference date, and explain your dispute rights (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing during the validation period. For dental or medical work, ask for the treatment ledger and what your dental or health plan paid. For a rental balance, ask for the lease, the move-out inspection and the security deposit accounting.
- Confirm who owns the account. Ask whether the office or landlord still owns it.
- Check for double billing. Make sure a payment you made directly to the office was credited.
- Know the time limit. Texas generally sets four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different periods.
What M.G. Credit Can and Can't Do
An agency that regularly collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). Personal medical, dental and residential rent balances are consumer debts; a small business's own commercial account is not.
- Its letters must clearly identify the creditor to whom the debt is owed (15 U.S.C. § 1692g(a)(2)).
- 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)).
- It may not tell your landlord, employer or neighbors about a medical or dental debt (15 U.S.C. § 1692c(b)).
- For a former landlord's claim, it may not demand charges the lease or law does not support (15 U.S.C. § 1692f(1)).
Read what a debt validation notice is, or visit our FDCPA attorneys page.
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 M.G. Credit 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
- M.G. Credit: home page
- M.G. Credit: Contact Us
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: M. G. Credit, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that M.G. Credit has violated any law. Company details change; tell us if something here is out of date.