Originally founded in Massachusetts in 1988, Marcam Associates is a third party debt collector now based in Rochester, NH. MA conducts early out collections along with conventional debt collection. They focus on collecting medical debt, and use demand letters, debt collection telephone calls, credit bureau reporting so as to collect on debt.
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The harassing company pays our fees.
According to the BBB, Marcam Associates is a legitimate debt collection agency with an extensive history of harassing consumers over debt.
If you’ve suffered from Marcam Associates debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
As of August 2018, the Better Business Bureau reported closed 1 complaint over the past 12 months and 5 complaints over the past 3 years. The BBB provides this agency an A evaluation. Additionally, Justia lists one Marcam Associates complaint filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists several closed complaints for 2018.
PO Box 60
Rochester, NH 03866-0060
Phone Number: (800) 638-1005
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Marcam would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. If you have been unjustly harassed by Marcam associates, contact us for a free case evaluation
Actual Complaints Listed on the BBB website
Threatened collection action on a debt that doesn’t belong to me I received a collection notice on a debt that does not belong to me. The previous time I received a collection notice, I called Marcam’s client directly and told them I am not liable for the bills and to remove my name as a responsible party for their debts. I was told they could only do that if the person they have me listed as the responsible party for contacts them and tells them that. So apparently until the end of time, I’ll be listed as liable for any debts this person incurs with their client. I have a message left with Marcam Associates letting them know this is not my debt and to stop sending me notifications, as well as not putting this on my credit report.
I just checked my credit report and they have an infraction on my report saying I owe them $300++?? I don’t know who or what this company is. But they put me in collections for $300++?? I don’t have credit cards or any outstanding bills so how can a company I’ve never heard of who’s not even in the same state as me say I owe them money? Is this identity theft? It’s on my credit report as an infraction. I want this taken off of my report and this company investigated for fraud.
Understand your debt collection rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”
“Thank you so very much! I’m still so grateful for the blessing of finding you on the internet. I know it’s early, but I wish to wish EVERYONE in Lemberg Law a amazing holiday season!”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
In a word, yes. Give us a call and we’ll explain the procedure.
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